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Federal Ministry of
Housing & Urban Development (FMHUD)
Federal Republic of Nigeria
Welcome To Federal Ministry Of Housing And Urban Development.
Minister Federal Ministry Of Housing And Urban Development Arc. Ahmed Musa Dangiwa.
Housing And Urban Development.
Inspection Tour Of Houses For The National Housing Scheme.
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Aug
22
2025

LATEST PRESS


Dangiwa Marks 2 Years in Office

 

* Bold Reforms, Tackling Systemic Housing and Urban Development Challenges

 

The Federal Ministry of Housing and Urban Development today marks the second anniversary of the Honourable Minister, Arc. Ahmed Musa Dangiwa, in office. Since his appointment by President Bola Ahmed Tinubu, GCFR, on August 22, 2023, Arc. Dangiwa has in line with the Renewed Hope Agenda led a historic reset of Nigeria’s housing and urban development sector, rolling out bold reforms and practical solutions that are directly tackling systemic challenges and delivering results in record time.

 

One of the most pressing problems has been Nigeria’s housing deficit, conservatively estimated at over 17 million units. In response, the Ministry launched the Renewed Hope Housing Programme (REHHP), a three-tier model comprising Cities, Estates, and Social Housing. In just two years, over 10,000 housing units have been commenced across 14 states and the FCT—an unprecedented pace compared to the 3,500 units delivered in the eight years before this administration. Flagship projects include a 3,112-unit Renewed Hope City in Karsana, Abuja; a 2,000-unit City in Ibeju-Lekki, Lagos; a 1,500-unit City in Kano with an additional 500-unit estate; and 250-unit estates in twelve states ranging from Osun and Delta to Katsina and Nasarawa.

 

Linked to the housing deficit is the challenge of deteriorating slums and decaying urban infrastructure. To reverse decades of neglect, the Ministry has implemented the National Urban Renewal and Slum Upgrade Programme (NURSUP), which has already transformed more than 150 communities nationwide with rehabilitated roads, drainages, clean water, solar electricity, schools, and healthcare centres.

 

Another obstacle has been the weakness of Nigeria’s mortgage and housing finance system, which for decades made homeownership unaffordable for most Nigerians. Under President Tinubu’s directive, reforms of the Federal Mortgage Bank of Nigeria (FMBN) and the Federal Housing Authority (FHA) have strengthened and expanded single-digit mortgages, zero-down-payment rent-to-own schemes, and innovative public-private partnership models that have mobilised over ₦70 billion in private capital for housing delivery.

 

For low-income and vulnerable Nigerians, who have historically been excluded from the housing market, the Ministry’s proposed Renewed Hope Social Housing Programme represents a bold new response. Its target is to deliver 77,400 affordable homes—100 in each of the 774 Local Government Areas of Nigeria with an affordability based pricing model. Beyond shelter, this initiative is expected to generate over 2 million jobs, empower local economies, and spread development beyond major cities into rural and peri-urban communities.

 

But building homes is not enough without secure access to land. Today, over 96% of land in Nigeria remains untitled and undocumented, locking away billions in potential wealth as “dead capital.” To address this, the Ministry is working with stakeholders to implement the Nigeria Land Titling, Registration and Documentation Programme (Land4Growth), which will digitise registries, streamline approvals, and unlock more than $300 billion in dormant assets. This represents the most strategic and impactful initiative that would accelerate the actualization of the Renewed Hope Target of a  $1Trillion Dollar GDP for the country. 

 

Another gap that long constrained effective housing delivery in Nigeria was the absence of credible, reliable data. Planning and investment decisions were often made in the dark. To fix this, the Ministry led efforts with industry stakeholders to establish the National Housing Data Centre (NHDC) Project —a centralised digital repository of housing, land, and urban development data. The NHDC is at advanced stage of providing real-time, evidence-based insights to guide government policy, attract private sector investment, and support international partners. For the first time, Nigeria is building a modern, data-driven housing ecosystem where progress can be tracked transparently and decisions made on solid evidence

 

Equally critical has been the spiralling cost of building materials, which pushes homeownership further out of reach. The Ministry’s response has been a bold plan to establish Building Materials Manufacturing Hubs in all six geo-political zones. These hubs would boost local production, reducing dependence on imports, cutting costs by up to 25%, and creating thousands of manufacturing and logistics jobs.

 

Years of housing fraud and abandoned projects also eroded public trust in government-backed housing schemes. To restore confidence, the Ministry has finalized a Housing Fraud Reporting Platform (HFRP) to enable citizens to report fraudulent developers and schemes. In addition, the Safeguarding FG Lands Initiative, launched with the Nigeria Police, will lead to the recovery of billions of naira worth of encroached Federal Government land for redevelopment into housing and infrastructure projects.

 

At the same time, the shortage of skilled workers in the construction sector has been a major barrier to quality and timely housing delivery. Through the National Artisan Skills Acquisition Programme (NASAP – CraftHub), thousands of young Nigerians would be trained as carpenters, plumbers, masons, and electricians and directly linked to housing projects nationwide.

 

To sustain momentum, the Ministry has also deepened partnerships with international development finance institutions. A landmark agreement with Shelter Afrique Development Bank will finance 5,000 affordable homes, while collaborations with UN-Habitat, World Bank would see the channeling technical and financial support to scale housing and urban reforms across the country.

 

Reflecting on this milestone, Arc. Dangiwa said:
 

“We inherited a housing sector riddled with systemic challenges. In just two years, through the support of Mr. President and our partners, we have rolled out strategic programmes that are delivering results. We are not just building houses; we are building hope, dignity, and prosperity for millions of Nigerians. And we are only just beginning.”

 

As the Honourable Minister marks his second year in office, the Ministry reaffirms its commitment to scaling up delivery under the Renewed Hope Agenda, ensuring that every Nigerian, regardless of income or status, can aspire to own a decent and dignified home.

Nov
14
2024

National Urban Development Policy to Transform Nigerian Cities into Sustainable, Resilient '15-Minute Cities' - Dangiwa   -    Calls for Annual National Urban Forum -    Says New Urban Agenda to Promote Public Health, Tackle Climate Change   Gombe, November 14, 2024 - The Hon. Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa has said that the National Urban Development Policy (NUDP) when introduced will transform Nigerian Cities into sustainable, resilient, '15-minute Cities'.   Delivering the keynote address at the 13th meeting of the National Council on Lands, Housing, and Urban Development holding in Gombe, the Minister said rapid urbanisation which will see the nation's population rise to 70% by 2050 has made effective planning through innovative and sustained policies a priority.   Noting that the NUDP is currently awaiting approval by the Federal Executive Council, he said such a policy is necessary for Nigeria's sustainable future as it can promote public health, mitigate climate change, and create a safe, resilient, and progressive ecosystem for all to thrive.   "The NUDP's vision is clear: to transform Nigeria’s cities into well-functioning, prosperous, resilient, secure, and livable spaces for all. Achieving this vision demands a 'Business Unusual' approach, one that replaces 'Urban Pessimism' with 'Urban Optimism.' This means embracing high-density urban development over sprawl, safeguarding agricultural land and resources, and adopting integrated, evidence-based urban policies.   "The NUDP also promotes a 'Healthy Cities' concept, integrating environmental health with secure, resilient urban spaces. This involves essential services like waste management, water, sanitation, and local public health systems. As the recent pandemic has shown, resilience in city design is critical for public health and community well-being. Models like the '15-minute city'— where essential services are within walking distance— offer accessible, self-sufficient neighborhoods that promote health and connectivity," he said.   Dangiwa emphasised that the need for an Urban Policy is long overdue considering the fast pace at which the nation's Urban population is increasing. He, therefore, called for an Annual National Urban Forum, which he says was part of the resolutions reached at the recently concluded World Urban Forum in Egypt.   "We must grasp the scale of our urban growth and the profound challenges it brings. Nigeria’s urban population is expanding rapidly, driven by an annual growth rate of 4.1%. From just 9.4% in 1950, our urban population now exceeds 52%, with projections indicating a rise to 70% by 2050. By then, Nigeria will likely be the world’s third most populous country, with over 400 million people."   According to him, Nigeria has eight cities with a population above 1 million people each, and another 81 Cities each with a population ranging from 100,000 to one million, and yet with 58.8% of these urban dwellers living in Slum conditions. He added that the goal of the NUDP is to provide a framework that guides long-term, sustainable urban growth, addressing not only housing and infrastructure needs but also creating the foundation for economically vibrant, climate-resilient, and inclusive cities.   Explaining the nexus between effective urban planning, public health, and climate change, Dangiwa said proper planning will ensure better sanitation, disease control and containment, quicker access to health facilities, as well as smart city designs which support climate action.   "NUDP also prioritizes climate responsiveness. Climate change poses a severe threat, with impacts like drought, flooding, and extreme weather intensifying. Without adaptation, climate change could cost Nigeria between 6% and 30% of its GDP by 2050. Therefore, urban planning is a frontline defense in building climate resilience and economic security," he observed. The Minister called on the Federal, State, and Local Governments to embark on urgent collective action towards the implementation of the policy when it comes on stream, noting that while massive housing construction and new cities development are urgent priorities at this time, they must be done alongside effective urban planning.   He commended the efforts of President Bola Ahmed Tinubu over the last one year, especially in the area of Housing development, noting that the ministry has more houses under construction in one year than it built in the previous eight years put together. He also said the ministry's strategy of embracing Public Private Partnerships (PPPs) is crucial to that success, but admitted that the country is still only scratching the surface compared to its housing requirements.   "We recently returned from the 12th World Urban Forum in Cairo, Egypt. What we observed there was inspiring and should motivate us as a nation to do more. The Egyptian government is constructing a New Cairo City, an urban development estimated at 500 billion Egyptian Pounds (around $10.6 billion). This includes massive housing, road construction, shopping malls, rail systems, and more.   "While part of the funding comes from entities like the World Bank and IFC, a significant portion is government-sourced through the Administrative Capital for Urban Development (ACUD), the overseeing authority. We also met with India’s Housing Minister, who shared that India has built over 1 million housing units entirely through government funding.   "We noted similar large-scale, government-funded housing efforts in South Africa and other African nations. The message is clear: while we will continue to drive PPPs, our government needs to do more to finance affordable and social housing for our citizens," he added.   He called on governments at all levels to invest more in housing provision as this was the only way to make housing delivery affordable for low- and middle-income earners, who form the majority of the nation's population.   ...

Nov
14
2024

FG Partners World Bank To Develop National Land Digital System   * initiative will increase investor confidence, unlock untapped economic potentials related to land property   The Federal government of Nigeria is set to partner with the World Bank to modernize land administration in Nigeria, by developing a National Land Digital System (NLDS) for the optimization of land transactions, that would enable transparency, efficiency and accessibility.   Minister of Housing and Urban Development, Arc Ahmed Musa Dangiwa made the revelation for the partnership in his remarks during the meeting with States Commissioners responsible for lands and housing matters at the13th National Council on Housing, Lands and Urban Development in Gombe, Gombe State.   Dangiwa said that the digital initiative will solve the long standing challenges currently faced in land registration, as well as boost economic activity and enhance property rights protection, with a goal of increasing formal land transactions from less than 10% to over 50% within a decade.   According to the Minister, the pivotal decision will tackle the challenges obstructing effective and efficient land registration in the country, adding that both parties were finalizing the operational framework and investment commitment for the initiative.    Explaining further, Dangiwa said the system will serve as a comprehensive, accessible digital registry, enabling Nigerians to verify land ownership securely and efficiently; further affirming that by enhancing transparency and reducing fraud, the NDLS will increase investor confidence and unlock up to $300 billion in untapped economic potentials related to land and property.   He also informed participants at the Council meeting of the Federal Government’s readiness to work with State Governments to register, document, and title all land parcels, clarifying and securing land ownership to unlock development and investment.   "Currently, over 90% of the country’s land remains unregistered, representing an estimated $300 billion in untapped capital," he said.   Outlining the significance of effective land administration as regards to Nigeria's  economic growth and development, Dangiwa noted that by ensuring clarity, security, and accessibility in land ownership and transactions, the country is laying  foundation for increased investment, both domestic and international.   He emphasized that transparent land administration would enhance property rights, reduce conflicts, and encourage sustainable land use practices, which together foster a stable environment for economic activities.   On rapid urbanization in Nigeria, the Minister explained that steps to address the issue has been outlined in the National Urban Development Policy (NUDP) waiting approval by the Federal Executive Council (FEC), adding that the policy is designed to create resilient, inclusive, and climate-smart cities across Nigeria.     Dangiwa informed participants that Africa  now has an Africa Urban Forum, which was recently held this year in Addis Ababa, noting that all African Member Countries, including Nigeria at the forum, agreed to organize an Annual National Urban Forum in the declaration.    He emphasised on the importance of collaboration among federal, states and local government, to transform urban spaces for the benefit of Nigerians, directing delegates to begin the process of domesticating Africa Urban Forum in Nigeria by organising Annual National Urban Forum in line with the Addis Ababa  declaration, where leaders and  professionals in the housing sector will meet to discuss Nigeria’s Urban Agenda for Nigeria.   "Our goal is to provide a framework that guides long term sustainable growth, addressing not only housing and infrastructure needs but also creating the foundation for economically vibrant, climate-resilient, and inclusive cities," he remarked.   On tackling Nigeria’s massive housing deposit, Dangiwa said that the Ministry is advancing the construction of over 10,000 housing units across 14 locations nationwide, highlighting the role of Public-Private Partnerships (PPPs) in accelerating housing delivery, especially for middle- and high-income earners.   "We have also acquired land in Enugu and Borno for the development of 2,000-unit Renewed Hope Cities under a PPP arrangement. Planned locations for additional cities include Nasarawa and Rivers States with 2000 units each, respectively.  “Our goal is to establish at least one Renewed Hope City in each geo-political zone and the FCT”, Dangiwa revealed.   While focusing on the government’s efforts to provide affordable housing for the low-income Nigerians, the Minister urged all Commissioners to encourage their state and local governments to allocate a substantial portion of their revenues to affordable housing delivery, pointing out that PPPs alone cannot deliver affordable housing for the majority of Nigerians, given that the high costs of private-sector construction financing drive up prices as developers  payment of loan is double digit.   Dangiwa also affirmed that the Ministry, in  collaboration with the World Bank, has introduced a new compensation framework for individuals affected by land acquisition. This updated system according to the Minister, addresses the 18-year gap in compensation policy, ensuring fair and equitable recompense for those impacted by infrastructure and housing development projects.   He sited some examples under the revised rates for matured trees in the North Central Zone as follows; i. Cashew which increased from N2,000 per matured stand to N45,000 and N5.5M for a hectare, ii. Mango increased from N4,000 per matured stand to N105,000 and N13M per hectare and iii. Cocoa which also increased from N3,000 per matured stand to N160,000 and N160M per hectare.   In his address, the Executive Governor of Gombe State, Alhaji Muhammadu Inuwa Yahaya, urged Council to come up with policies that could make  mortgage options more accessible, promote eco-friendly local materials, and create incentives for private investment if Nigeria must make advances in sustainable development, adding that streamlining land administration processes and continuous innovation in construction materials as well as techniques were essential to realizing a shared vision of affordable housing for all Nigerians.   Governor Yahaya also emphasized on actionable plans towards achieving president Bola Ahmed Tinubu's Renewed Hope Cities and Estate for all citizens, reminding participants that all deliberations at the council should be backed up with actions.   In a goodwill message, the Chairman, House Committee on Urban Development and Regional Planning, Hon. Abiante Awaji, drew the attention of participants to how rapid urbanization is transforming Nigerian cities, urging them to consider adopting climate-resilient designs and structures that protect Nigerian citizens.   Hon. Awaji added that Climate-resilient urban development safeguards people and their investment by incorporating sustainable building materials, energy -efficient designs, and green spaces that manage heat and promote biodiversity.   Minister of Housing and Urban Development is the Chairman of the Council of the 36 States' Commissioners responsible for lands and housing matters in Nigeria    ...

Nov
13
2024

Housing Ministry Introduces Monitoring, Review Mechanism on Housing Council Resolutions    * Concerned about non implementation of Council resolutions over the years    Ministry of Housing and Urban Development is set to introduce a mid term monitoring and review mechanism that will ensure effective implementation of resolutions of the meeting of National Council on Lands, Housing and Urban Development being organised by the Ministry, annually.   Permanent Secretary, Dr Marcus Ogunbiyi stated this in his remarks during the meeting of the body of Permanent Secretaries at the ongoing 13th meeting of the Council in Gombe state. Wednesday, November 13th, 2024.   The Permanent Secretary, Federal Ministry of Housing and Urban Development is the Chairman of the body of Permanent Secretaries in the Council, and it's resolutions will be presented to the ministerial body of states commissioners for deliberations and adoption.   Ogunbiyi explained, that the Ministry is setting up measures to ensure comprehensive compliance with Council resolutions by all stakeholders in the housing sector, in order to advance the nation’s housing agenda.   The theme for the 13th (2024) meeting is "Housing the Future: Affordable Housing for Economic Growth, Climate Resilience and Urban Development".   " Concerned with the non-implementation of Council resolutions over the years, the Federal Ministry of Housing and Urban Development sponsored a memo this year to seek the approval of Council for the mid-term monitoring of the implementation of Council resolutions.  I am happy to inform you that the Technical Session held yesterday accepted the prayers and this will be presented to the body of Permanent Secretaries today", he stated.   He reminded the Permanent Secretaries that the meeting serves as a powerful reminder on collective responsibility to advance the development of the Housing and Urban Development sector in Nigeria.   Outlining some challenges facing the housing sector, Ogunbiyi listed, shortages of affordable housing, rapid urbanization, and poor access to land.   He then highlighted the initiatives of the Ministry to tackle the challenges to include; Renewed Hope Cities and Estates Housing Programme, which he noted has seen significant progress in housing development across all geo-political zones of the country.   In addition, he stated the initiative of the ministry to establish the National Housing Data Center aimed at creating a comprehensive housing data framework to support housing policy and planning.    He explained that the Steering Committee on the Housing Data which he chaired was charged with the responsibility of providing direction and oversight for the collection of National Housing Data from Public and Private Institutions and creating access to housing data in Nigeria for Policy, Planning and decision-making.     “This Committee has already mandated its Technical Working Group (TWG) to come up with the Governance and Data Gathering Frameworks and modalities for setting up the National Housing Data Center (NHDC).  This Programme is among some of the key initiatives of the Ministry geared towards the achievement of our mandate", he remarked.   Stressing the need for stronger public-private partnerships, innovation, and community engagement to meet the urgent demands for affordable and sustainable housing, he described the theme of the Council meeting as a call to action and not just a topic for discussion, urging stakeholders to bring their expertise to drive meaningful development    Speaking earlier, the Commisioner Ministry of Works, Housing and Transporrtation, Gombe, Engr. Usman Kallamu, said the council meeting affords delegates to identify the importance of affordability in Nigerian’s economic and urban development, urging participants to actively participate, share their insights and collaborate towards achieving the objectives of President Bola Ahmed Tinubu’s Renewed Hope Agenda. Paper pesentations on: Building Collapse and Mortgage Registry Administration were respectively made by the Architects Registration Council of Nigeria (ARCON) and Federal Mortgage Bank of Nigeria (FMBN). On building collapse, it was noted that failure to engage appropriate building supervisors, pressure to rush the design, non-engagement of professionals, lack of appropriate technology and professionals manning the building permit agency, use of substandard building materials, among others are causes of building collapse in Nigeria.   ...

First First First

SPEECHES


Oct
17
2023

REMARKS BY HON. MINISTER OF HOUSING AND URBAN DEVELOPMENT AT THE COURTESY VISIT BY NIGERIA INSTITUTE OF SURVEYORS AT THE MINISTRY HEADQUARTERS IN ABUJA

Protocols,

Distinguished Members of the Nigeria Institute of Quantity Surveyors,

Good afternoon, ladies, and gentlemen.

* First, I would like to express my appreciation to the President of the Nigerian Institute of Quantity Surveyors, Mr. Shonubi Michael Olayemi and members of the Executive Council of the Nigerian Institute of Quantity Surveyors for this visit. 

* Your presence here today is not only a gesture of goodwill. It is also a testament to the importance of collaboration between the government and professional bodies in the collective goal to deliver decent and affordable housing to Nigerians and ensuring sustainable urban development.

* Since we assumed office, we have been meeting with several other professional bodies. This is because we believe that these stakeholder engagements are vital ingredients for the policies that we need to drive our reform agenda for housing and urban development in line with His Excellency, President Bola Ahmed Tinubu’s Renewed Hope Vision.

* So, for us at the Ministry, we would like to consider this visit not just as another routine visit of the Institute to a new Minister, but the beginning of a more impactful and result-oriented partnership between the Ministry and the Nigeria Institute of Quantity Surveyors. 

* Your profession plays a key role in the delivery of affordable housing. Your ability to manage costs, optimize resources, and ensure quality and compliance directly impacts the feasibility of affordable housing projects. By leveraging your expertise, we can create sustainable, well-built, and affordable housing solutions for communities, promoting social development and economic progress.

* I have taken note of all the pertinent issues that you would like the Ministry to help resolve during my tenure. I assure you that my team and I are committed to working with you to address these concerns. 

* One of the central pillars of my tenure as the Minister of Housing and Urban Development will be the prioritization of affordable housing. It is a matter of utmost importance that we address the housing needs of the 80 percent of Nigeria's population who fall within the no-income, low to medium earners category. These hardworking citizens are equally deserving of living in decent, well-planned homes and neighborhoods that reflect the principles of inclusivity and fairness. Doing so requires affordable housing design concepts based on the most efficient bills of quantities. 

* In my first week in office, I set up an Affordable Housing Design Committee to develop more efficient design options that fit the income profiles of Nigerians within the low- and medium-income bracket. Our Ministry professionals have done a great job and we ll like to have your comments before we unveil them to the public. Our goal is to come up with the most efficient, workable and sustainable affordable designs that will help us deliver on our mandate. 

* In line with the Renewed Hope Agenda of Mr. President, we are committed to creating housing opportunities that cater to the needs of this significant portion of our population. We will work diligently to make affordable housing a reality, ensuring that every Nigerian has access to quality homes that they can afford. This initiative will not only improve the living conditions of our people but also stimulate economic growth and job creation in the housing and construction sectors.

* But before I conclude, it’s important to emphasize that the responsibility for promoting and enforcing discipline within the construction and building industry does not rest solely on the government. The Nigeria Institute of Quantity Surveyors, as a professional body, also has a crucial role to play in this regard.

* I urge the Institute to explore all measures within its charter to promote and enforce discipline among its registered members. This includes setting and upholding high ethical and professional standards, conducting regular audits and inspections, and taking appropriate disciplinary actions against those who engage in substandard practices. By doing so, the Institute will not only protect the reputation of its profession but also contribute significantly to the safety and quality of construction in Nigeria.

* As we move forward, let us remember that the future of our nation lies in the strength of our infrastructure and the well-being of our citizens. Together, we can build communities, towns and cities that are safe, sustainable, and inclusive, ensuring that every Nigerian has access to decent housing and improved living conditions.

* In conclusion, I would like to thank the Nigeria Institute of Quantity Surveyors once again for this courtesy visit, and I look forward to our partnership and the positive impact we can collectively make on the housing and urban development landscape of Nigeria.

* Thank you, and may God bless our efforts and our beloved country, Nigeria.

 


Sep
14
2023

SPEECH BY THE HONOURABLE MINISTER, FEDERAL MINISTRY OF HOUSING & URBAN DEVELOPMENT, ARC. AHMED MUSA DANGIWA, AT THE NIGERIA DIASPORA INVESTMENT SUMMIT (NDIS), ON TUESDAY, 14TH SEPTEMBER 2023


PROTOCOL
Vice President, Kashim Shettima Mustapha, GCON,
Excellences and Members of the Federal Executive Council,
Ministers and Permanent Secretaries,
Heads of Parastatals and Agencies,
Heads of International Organizations,
The Diaspora Community,
Members of Civil Society and Non-Governmental Organizations,
The Media and members of the Press,
Distinguished Ladies and Gentlemen,

SPEECH

1.    I would like to begin by appreciating and acknowledging the innovative drive of the Nigerian Diaspora Commission (NiDCOM) under the able chairmanship of Hon. Abike Dabiri. We want to thank them for the good work that they are doing in actualizing the mandate of the Commission. Over the years we have seen NiDCOM champion several initiatives and programs that are helping our country leverage the massive potential of our diaspora for national development.

2.    This 6th Edition of the Nigeria Diaspora Investment Summit is only one of such strategic programs that are helping to deepen the engagement and participation of the diaspora in Nigeria’s economy across several sectors, including the housing and real estate sector. We have over 20million Nigerians in Diaspora remitting an average of over $24bn per annum.

3.    Madam Chairman, we commend your leadership, the support of your team and partners and pray for more strength and wisdom to tap this huge potential.

4.    Today, I am delighted to be here and to speak at this Summit under the theme “New Vistas, Aspirations, New Vision: The Diaspora and National Development”.

5.    This is because I believe it is important to communicate and assure the Diaspora that Nigeria is open for business in the housing and urban development space. That His Excellency, President Bola Ahmed Tinubu, GCFR, has a bold vision for the sector and is committed to backing it up with the necessary political will to break down all barriers that discourage investment in the sector.

6.    As the Minister of Housing and Urban Development, I have taken Mr. President’s vision and am determined to actualize it.  Our aim at the Ministry is to implement the most historic housing and urban sector reforms the country has ever witnessed. We want to drive through initiatives that will create an enabling environment for easier, safer, and profitable private sector investments in the sectors.

7.    A notable part of our housing sector reforms that is of particular interest to the Diaspora interested in investing in the housing and real estate sector is land reforms. What we envision is a streamlined land administration that cuts through the bureaucratic bottlenecks and systemic inefficiencies to ensure cost effective and efficient access to land for both individuals and investors in our country.

8.    Currently, we have a situation where the Land Use Act, which was enacted in 1978 has no complementary institution set up alongside it to provide the necessary framework, guidelines, and regulations for operationalizing it. Under the Renewed Hope Agenda of His Excellency, President Bola Ahmed Tinubu, GCFR, we aim to fix this systemic anomaly. We are working to establish a National Land Commission. Part of their work will be to outline clear implementation guidelines for the Land Use Act to chart a new path of effective land administration in the country.

9.    Last week I met with the leadership of the Presidential Technical Committee on Land Reforms, Prof. Peter O. Adeniyi, where I committed to incorporating the comprehensive work, they have done over 14-years in our land reform strategy. As the renowned land reform scholar said, experience shows that a nation can never develop if it does not conduct land reform. This will be done under the Renewed Hope Action Plan for Housing.

10.    The second is the nationwide adoption of the Model Mortgage Foreclosure Law. The Model Mortgage Foreclosure Law (MMFL) provides contemporary provisions on the creation, registration, and enforcement of mortgages, along with remedies like foreclosure and the enforcement of mortgages on real properties and related purposes in Nigeria.

11.    As of date, the Model Mortgage Foreclosure Law (MMFL) has been passed in only four (4) states, including Lagos, Kaduna, Ekiti, and Nasarawa States. We aim to drive its passage in all the states of the federation as part of our efforts to ensure that investments in the housing and mortgage sector are protected.

12.    Under the Renewed Hope Agenda of His Excellency, we are also particular about boosting local manufacturing of building materials. Nigeria’s shortfall in the supply of quality housing stock presents a good opportunity for investors. To drive this, we aim to create an enabling environment for private sector players to produce building materials locally to lower cost, create jobs, grow the local economy, and ultimately ensure inclusive growth. To do this we are planning to establish six (6) manufacturing hubs – one in each of the six (6) geo-political zones in the country. The hubs will be provided with relevant facilities, including access roads, electricity, fit for purpose housing and relevant linkages for manufacturers to site their firms and operate. We are also proposing relevant incentives that will make it more profitable and rewarding for the private sector to manufacture building materials locally.

13.    Personally, I do not worry much about the challenges that we have in our country today and I encourage each one of us, especially our diaspora, to have that mindset. These challenges represent opportunities for us to make a difference and chart a more progressive path forward. And I think that is the essence of this Summit.

14.    The good news is that we now have a President who is a visionary, a problem solver, a game changer with the political will to get the right thing done.  And as a Ministry, we are willing to support Diaspora initiatives in the housing and urban development space as well as encourage partnerships with the Diaspora towards making a change in the housing and urban development narrative of our dear country.

15.    It is important for me state that when we think about the Diaspora, we are not only thinking of them as sources of finance to develop our country, but we also see them as Nigerians, who though abroad, are desirous of owning homes in Nigeria.

16.    It is in line with this thinking, that when I was the Managing Director/Chief Executive of the Federal Mortgage Bank of Nigeria (FMBN), I developed the Diaspora Housing Mortgage Loan in collaboration with the Nigerians in Diaspora Commission (NiDCOM).

17.    The Diaspora Housing Mortgage Scheme is designed to enable Nigerians living overseas participate in the National Housing Fund (NHF) Scheme so they can access up to N50million to own their homes in Nigeria. Participants can access the loan via a National Housing Fund (NHF) loan, Rent-to-Own or the Individual Construction loan window. The terms are affordable and best market rates. This includes a single-digit interest rate of 9%, and a payback period of up to 10 years.

18.    As part of the initiative, the Federal Mortgage Bank of Nigeria will facilitate the construction of affordable housing units in major cities that meets the specifications of Nigerians in Diaspora.  

19.    I want to say that the FMBN is not the only agency under the Ministry of Housing and Urban Development that is delving into catering to the housing needs of the Diaspora. The Federal Housing Authority (FHA)is also involved as part of the Ministry’s sector wide effort to cater to the Diaspora. They have undertaken to develop the Diaspora City Project under a Public Private Partnership comprising the FHA, The Nigerians in Diaspora Commission (NIDCOM) the Federal Capital Territory (FCT) and the private sector. The Project is situated in Maitama 2, with over 675 hectares of land. The FCT administration has committed to opening the road and providing the relevant infrastructure. The Diaspora City project is designed to have bungalows, semi-and detached duplexes, and mansions to reflect its inclusive essence.

20.    Our overall goal is to ensure that as our brothers and sisters’ sojourn abroad, they also have a decent shelter over here in Nigeria to call their home.

21.    So, today, I want to say that I am excited to be the Minister of Housing and Urban Development to launch the Diaspora Mortgage Scheme, which I initiated as the MD/CE of the Federal Mortgage Bank of Nigeria on this auspicious occasion. Indeed, I consider it a positive twist of fate and I want to use this opportunity to urge Nigerians in the diaspora to seize the opportunity the Scheme affords them to actualize their dreams of owning affordable homes in Nigeria.   

22.    I am aware that the Mortgage scheme is set to be formally launched in the United Kingdom, Canada, and the United States soon, and it is my hope that the diaspora community would take full advantage of this opportunity and massively subscribe to reap its short and long-term benefits.

23.    As I conclude my speech, I would like to assure you of the Federal Ministry of Housing and Urban Development’s commitment to sustaining the necessary collaborations, partnerships, and engagements with all relevant Stakeholders in the Housing and Urban Development sector, as we all work together towards ensuring the success of the Diaspora Housing Mortgage scheme, providing affordable housing, and ensuring sustainable urban development for Nigerians.

24.    Thank you for your attention and may God bless Nigeria.  


Arc. Ahmed Musa Dangiwa
Honourable Minister of Housing of Urban Development
14th November 2023

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