Federal Ministry of
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Federal Republic of Nigeria
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Dangiwa Charges Mortgage Bankers on Innovation, Says Nigeria's Housing Crisis Requires Creative Solutions


…Sues for affordable mortgage products to match current economic realities


Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa has called on heads of mortgage banks to be creative in developing mortgage products for Nigerians. The Minister said Nigeria's current economic challenges call for innovative solutions that will make housing finance more easily accessible to Nigerians, and at affordable rates.


Speaking during the 20th edition of the Mortgage Banking CEOs Annual Retreat at the Transcorp Hilton Hotel in Abuja on Saturday 2nd December 2023, Arc. Dangiwa said CEOs of mortgage banks must find new ways to navigate the harsh macroeconomic environment and ensure that ordinary Nigerians- especially those in the low-and-medium-income bracket- can access the finance they need for homeownership.


"While the government works to fix this macro-economic challenge, I still believe that as CEOs of mortgage banks, you can find creative ways to develop innovative mortgage products that are responsive to Nigeria's current economic situation. This includes adopting rent to own mortgage options, flexible monthly mortgage loan repayments to make commercial loans more affordable.


"I note with concern that the Capital Market has not been maximally tapped to raise long term funds to refinance mortgage loans and to explore more creative ways to make mortgages more affordable even as we work to fix the larger macro-economic problems. As leaders, we must not only see provision of housing and home loans from a business and profit perspective, but also see expanding access to affordable mortgages as a moral imperative. So, we must do all we can even in these difficult times to ensure that not only the elites, but Nigerians within the low- and medium-income segments have access to affordable mortgages," he said.


While he acknowledged the presence of legacy challenges and barriers that hamper development in the sector, he charged the mortgage bankers to see themselves as leaders with a moral imperative to make housing more affordable and easily accessible to Nigerians.


The Minister noted that the theme for this year's retreat, "Advancing Sustainable and Affordable Housing in Nigeria: Navigating Macro-Economic, Legislative, and Policy Frontiers”, clearly captures the need of the hour. "The theme emphasizes the need for all players to find ways to navigate the macro, legal and policy bottlenecks. This speaks to the need for innovation. It speaks to the need for creativity. And it speaks to the need for effective leadership at every point in the value chain. This is because leaders are supposed to make progress despite challenges. Leaders are supposed to navigate the complexities of situations to make progress," he added.


Aware of the cost of funding and its impact on lending rate, which is a reflection of the broader economic reality, the Minister expressed confidence at the ability and willingness of President Bola Ahmed Tinubu to drive economic growth and create a more friendly environment for mortgage banking to thrive in Nigeria. He assured them that the jinx of macro-economic, legislative and policy issues that have held down the growth of effective housing delivery in the country will be broken under the leadership of President Bola Tinubu.


Speaking earlier, President of the Mortgage Banking Association of Nigeria (MBAN), Ebilate Mac-Yoroki noted that the retreat provided a platform for deliberation in order to harness policies and partnerships to create products that would enhance the extension of access to affordable housing finance to a larger segment of the Nigerian populace.


Also speaking at the event were Managing Director and Chief Executive of Nigeria Mortgage Refinance Company (NMRC), Kehinde Ogundimu, who observed that despite efforts by mortgage bankers in the past years, the industry has performed below expectation. "We must find ways to make affordable housing delivery work, starting with lowering the cost of lending. There's no where in the world that mortgage thrives with double-digit interest rates," he said.


Other attendees include Managing Director and Chief Executive of the Federal Mortgage Bank of Nigeria, Madu Hamman, the leadership of Family Homes Fund Limited, the leadership of the Real Estate Developers Association of Nigeria (REDAN), heads of mortgage banks and institutions, and representayives of regulatory bodies.


President Bola Ahmed Tinubu Commissions TETFund Sponsored Projects- Faculty of Education Building, University Library, ICT/ Research University Library, ICT/Research Centre in Ebonyi State University   ....Describes Education as a Bedrock to National Development   The President of the Federal Republic of Nigeria, His Excellency Senator Asiwaju Bola Ahmed Tinubu, GCFR has described education as one of the most critical sectors of our national development that would be given priority by his Renewed Hope administration The President disclosed this during the commissioning of the TETFund sponsored education projects in Ebonyi State University, Abakaliki, Ebonyi State. The President who was represented by the Hon. Minister of Works, His Excellency, Sen. Engr. Nweze David Umahi, CON commended TETFund for the roles it has been playing in advancing educational development in Nigeria noting that education has a pride of place in the 2024 proposed project which is now before the National Assembly for consideration.   "TETFund is playing vital roles in our educational system. TETFund has over the years played the role of bridging the gap of infrastructure and research in our tertiary institutions."   The President commended the Governor for the environment provided by State which saw to the successful completion of the TETFund sponsored projects." I want to thank you very much our dear Governor. You are well suited for this position". He also commended the TETFund management for the sense of prudence and value for money exhibited in the course of the execution of the TETFund projects in the University and  gave assurances that education and road infrastructure among other critical sectors of the economy shall attract unprecedented commitment  of the  Renewed Hope administration as they are among the precursors for the  rejigging of the national economy.   In his earlier address, the Governor of Ebonyi State, His Excellency, Rt Hon. Bldr Francis Ogbonna Nwifuru, FNIOB, GGCEHF described as laudable the TETFund sponsored projects in the University and commended the Federal Government for finding the State worthy of benefiting from such funding from TETFund. "I have analyzed the project of TETFund, I have looked at it and found out that the value of and the reason for the project is enormous. This is the Agency of government that is not given to any story. If you are a contractor to TETFund, you must know they don't take story. “There is no provision for revaluation of job, no variation” And this he said is the way to go for us to show effectiveness and efficiency in the use of the taxpayers’ resources. The Governor expressed hope that TETFund would give more interventions to the State, noting that a lot of interventions had eluded the State especially infrastructural interventions from Federal Government and so the State is hoping to benefit more from the Federal Government.   He thanked the representative of Mr. President for his roles in the Federal Government's interventions in the State so far and hoped that more would be attracted to the State.   In their earlier remarks, the Vice Chancellor of the University, Prof. Chigozie N  Ogbu, OFR and the Executive Secretary of TETFund, Arc. Sonny S T Echono, OON, FNIA took their turns to commend the President of Nigeria, President Bola Ahmed Tinubu for his manifest commitment in raising the bar in educational development in Nigeria, particularly his interest in the development of tertiary education.   The Vice Chancellor noted that it was the first time in the history of the University that TETFund sponsored projects were being commissioned at the University and they are grateful to the President. "I am very happy to report that all our infrastructural and supply projects from TETFund are completed except for one pending installation of the solar panels for the lecture podia already supplied. "We are grateful to TETFund for these impactful input into the development of Ebonyi State University".   The Executive Secretary of TETFund on his own part said he was optimistic that the TETFund sponsored projects in the University would strengthen the University's efforts in becoming a global player in the tertiary education sub- sector and significantly contribute to educational research and development. "Our resolve as a Fund is to ensure that our interventions are sustained and improved upon as much as possible to enable our institutions undertake bigger and more laudable and impactful projects that will make them become globally competitive and situate them in enviable positions among their peers both nationally and globally. We shall continually engage with our beneficiary institutions towards ensuring the delivery of iconic and impactful intervention projects in subsequent intervention years."   It is noteworthy to mention that the Projects commissioned by Mr. President were attracted by the representative of the President when he was the Governor of Ebonyi State. The Projects commissioned are: [1] Faculty of Education This is a Four-Floor structure containing 27 classrooms, 3 major teaching laboratories, 66 offices, Faculty Library and 2 lecture theaters. The classrooms, offices, laboratories, and lecture theaters are furnished.   [2] University Library This is a three-floor structure housing e-Library, Library Sections for each Faculty; Sections for bindery, references and cataloging. There is a section for bookshop. There are twelve offices and a Board Room.   [3] Information Communication Technology/Research Center This is a 2-Floor building containing 500 seating capacity furnished auditorium, four ICT Halls with 582 desktop computers for CBT Exams and training. MacArthur Foundation Advertising Practitioners Laboratory and offices. ...


Road Infrastructure Revolution is at the Front Burner of the Renewed Hope Agenda of President Bola Ahmed Tinubu   The Honourable Minister of Works, Sen.  Engr.  Nweze David Umahi has reiterated the determination of the Renewed Hope administration of President Bola Ahmed Tinubu in fixing the ailing road infrastructure across the nation. He stated this when the Governor of Kogi State, Yahaya Bello and the newly elected Governor of the State Ahmed Usman Ododo visited him in his office at the Ministry's Headquarters, Abuja on Thursday, 30th November 2023.   The Hon. Minister of Works stated that the President's intervention on the road infrastructure deficit in the country was part of his roadmap towards revamping the economy of the nation. He thanked the Governor for the will to seek Federal Government's intervention on the road infrastructure challenges in his State and the passion to work for the good of the State.   ‘We inspected the road from 11am on my first day in office and I got back to Abuja by 2am, it shows the passion you have for the State.  It is not by chance that my first working day was in Kogi State, and I saw the acceptability and show of true love among the villagers for you. Your people are people of gratitude. I remember the ovation that greeted our inspection visit to Murtala Muhammed Way bridge in Kogi State".   The Hon. Minister assured the Governor that the Kogi Federal Highway was part of the Federal roads listed for palliative intervention by Mr. President.   " I want to assure you that Mr. President has instructed our Ministry to go and start that portion of the road and you will soon see a lot of concrete structures on a number of sections of that road that are challenged”.   The Hon. Minister also thanked the Governor for his commitment to the ideals of All Progressives Congress (APC) and for his doggedness that saw the Party through in the recently concluded Governorship election in Kogi State and said the victory was a testimony of the good works of the Governor and the acceptability of the ruling Party by the people of the State. He praised the Governor for his sense of inclusiveness and nationalism in his affairs as Governor of Kogi State.   "I thank you for being nationalistic  I know  a lot of South Easterners  that have made your Cabinet, I  also know a lot of people that had security challenges; that were kidnapped far away but you helped in rescuing them  even across State”.   The Hon. Minister used the opportunity to congratulate the Governor- Elect and charged him to be magnanimous with victory, cultivate leadership virtues, remember his route and remain steadfast with his Party. “Every young man entering a very high position like this is open to a lot of temptations. One admonition that guides me which I will share with you today is the fact that anyone who pays evil for the good done onto him, evil will not depart from his house. He continued “the teeth and the tongue often have misunderstanding, but they live together, the Governor made a lot of enemies because of you, let these enemies reconcile with him through you, all what the Governor looks for from you is not money or position, all he looks for is respect and honour because to whom God has honoured man must honour the person.  Mr. President has suffered all kinds of betrayals and if you have suffered betrayal, you would feel it, and when Mr. President sees a man that is on the part of betraying another, he will not be happy with such a person.  If you follow the Governor, he will guide you. If he trusted you to enthrone you, who else will he now trust again.   He is a unique man, and he is a man to emulate.”   Earlier the Kogi State Governor extolled the Hon. Minister for the transformation and innovation he has brought on board to accomplish the Renewed Hope road infrastructure agenda of Mr. President and the extra-ordinary passion with which he follows Mr. President's directives on road revolution. “The very first day you resumed office that was the day you hit the ground running. You have been inspecting roads ever since then you are not resting, there was no budget, no money for you, yet we see work going on across the country. Contractors have returned to site.  Federal Roads Maintenance Agency (FERMA) is working, you are also responding to calls and messages, and you are so responsive, you are a leader that all of us are proud of.”   The Governor further said “I am here to principally show an appreciation to God Almighty and to show appreciation to my wonderful brother His Excellency Distinguished Senator David Umahi the former Governor of Ebonyi State and Minister of Works for all the assistance he rendered to us physically, spiritually, financially and in fact in every way.  I am introducing my next successor Hon. Ahmed Ododo to His Excellency.  Ever since I joined the club of Governors you have been so distinguished.  I came in as APC Governor, you were PDP Governor then, irrespective of our political parties, you proved to be an elder statesman. You are a politician, but you are an elder statesman. You are always uniting the Governors across party line that was why it was easy for me to predict that you were going to join us because your mind is progressive; your mind is always progressive that was why you were able to govern Ebonyi State. With the little and meagre resources, you turned the State around and Ebonyi is wearing a new look today.  You mentor leaders that is why it is not surprising the assistance I received from you in coming up with another leader to take over from me in Kogi State.”   The Governor continued, “Today you are in the Government of President Bola Ahmed Tinubu as a Minister of Works with his Renewed Hope agenda, we are saying a very big thank you to you and may the good Lord protect you in the discharge of your responsibility as the Honourable Minister of the Federal Republic of Nigeria" ...


Minister of Housing to Encourage Increased Private Sector Investment in Housing, Breaks Ground for 480-Unit CityGate Homes Project in Abuja   …Urges private developers to build integrated, inclusive communities that are inclusive.   As part of efforts to encourage increased private sector participation towards solving Nigeria’s housing deficit, the Honourable Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa, on Thursday, 30 November 2023 performed the ground-breaking for a 480-housing unit project at the Kukwaba area of Abuja.   Speaking at the ceremony, the Minister said the Renewed Hope Agenda for Housing and Urban Development requires the participation of the private sector to bridge the housing deficit in the country, as the quantum of funding required to fix the housing shortage is beyond what government can provide.   The project by CityGate Homes covers phases II and III of the company’s Kukwaba housing project. It comprises 480 housing units of 6-bedroom semi-detached duplexes and 4-bedroom blocks of flats. Arc. Dangiwa described the ground-breaking event as a significant contribution to the Ministry’s ongoing efforts to address the housing crisis in the country.   “The initiative taken by Citygate Homes aligns perfectly with the government's vision for sustainable urban development. This project embodies the collaborative efforts between the public and private sectors, showcasing how partnerships can drive impactful change and contribute to the growth and development of our nation.   “In a rapidly growing city like Abuja, the demand for housing has surged, and it is our collective responsibility to respond to this need. I commend Citygate Homes for their dedication and investment in this endeavor. This housing project will not only provide shelter but will also create job opportunities, stimulate economic growth, and contribute significantly to the enhancement of the local community,” he said.   While the Minister assured that government will continue to provide the enabling environment for private-sector investment to thrive, especially with the uncommon determination displayed by President Bola Ahmed Tinubu to cater for the welfare of Nigerians, he urged them to embrace sustainability, inclusivity, and affordability in their housing and urban development drive.   “I commend Citygate Homes for their dedication and investment in this endeavor. This housing project will not only provide shelter but will also create job opportunities, stimulate economic growth, and contribute significantly to the enhancement of the local community. Furthermore, I want to emphasize the importance of sustainability and inclusivity in urban development. As we move forward, it is imperative that our housing projects incorporate eco-friendly designs, embrace technological advancements, and cater to the diverse needs of our society, including the low- and medium-income earners.   “In this regard, I will request that the Management of City Gate Homes earmark a certain percentage of the 480-homes as affordable housing with price tags that average Nigerians can afford to buy. As the Minister of Housing and Urban Development, I am an advocate of affordable housing with the focus on the average Nigerian worker, who are indeed, the majority,” he added.   He added that developers should borrow a leaf from the Ministry which has recently designed a housing plan to create integrated communities with housing types that reflect the diverse income segments of the country, using cross subsidies. “This way we aim to sell high-end homes at market rates and deploy the profits towards subsidizing the units for low-and-medium-income households. This enhances inclusivity,” he added.   He further urged the management of CityGate Homes to ensure timely execution of the 480 units, while upholding the highest building codes and standards, as well as operating transparently.   Speaking earlier, Managing Director and Chief Executive Officer of CityGate Homes, Michael Ejiogu noted that the company has nine projects in Abuja, and is committed to partnering the government in its quest to bridge the housing gap in Nigeria, assuring that the company will work to ensure affordability for medium-income earners in the country. ...

First First First First






RE: Appointment as a Member of Inter-Governmental Committee


H.E. Dr. Abdullahi U. Ganduje, OFR.
National Chairman, All Progressives Congress (APC),
FCT, Abuja.


I acknowledge with the deepest appreciation the letter of Your Excellency conveying my appointment as a Member of the Inter- Governmental Committee by our great Party, the All Progressives Congress (APC).


2. I thank you immensely our dear National Chairman together with all the members of the National Working Committee (NWC) for the opportunity offered me to serve our great Party in this capacity and I commend you highly for the lofty ideas, innovations and successes that have been recorded under your able leadership since you came on board. I assure you of my unwavering commitment to the cause of our Party's Inter-Governmental Committee and the objectives set to be achieved.


3. Once again, thank you most profoundly and please accept always, the assurances of the esteemed regards and best wishes of my family, the management and staff of the Federal Ministry of Works.


H.E. Sen. (Engr.) Nweze David Umahi, CON, FNSE, FNATE
(Honourable Minister of Works)



Keynote Address by the Honourable Minister, Federal Ministry of Housing & Urban Development, Arc. Ahmed Musa Dangiwa, at the 12th Meeting of the National Council on Lands, Housing and Urban Development (NCLHUD) Holding from 13th - 17th November 2023

Your Excellency, the President, Commander in Chief of the Armed Forces, Bola Ahmed Tinubu, GCFR
Your Excellency, Vice President, Federal Republic of Nigeria, the Kashim Shettima Mustapha, GCON,
The Hon. Minister of State, Ministry of Housing and Urban Development, Alhaji Tijjani Gwarzo
Your Excellency, the Executive Governor of Kaduna State, Senator Uba Sani
Permanent Secretary, Federal Minister of Works and Housing
Heads of Parastatals and Agencies,
Distinguished Commissioners
Housing industry Stakeholders
Members of Civil Society and Non-Governmental Organizations,
The Media and members of the Press,

Distinguished Ladies and Gentlemen,


1.    It is my pleasure to welcome the Distinguished Members of the Council and other dignitaries to the 12th Edition of the National Council on Lands, Housing and Urban Development with the theme: “Harnessing Local and International Credit Schemes as a Panacea for Affordable Housing Infrastructure Development Under the “Renewed Hope Agenda”.

2.    This is my first attendance at the National Council on Lands, Housing and Urban Development as the Minister of Housing and Urban Development. Before now I attended it for several years as the Managing Director/Chief Executive of the Federal Mortgage Bank of Nigeria (FMBN). So, I understand all the issues that are of concern to the Council and requiring urgent attention.  

3.    These challenges include the inefficiencies in our land administration processes, infrastructure deficit, high construction costs and weak household demand. Others are inadequate access to affordable housing financing options, which I believe informed the theme of this year’s Council.

4.    Today, as you are all aware, we have a stand-alone Ministry of Housing and Urban Development. The last time we had this independence was decades ago, so we do not take it for granted. 

5.    By this demerger, His Excellency, President Bola Ahmed Tinubu, GCFR, has shown that housing is a top priority for his government, because of its unique potential to catalyze economic growth, create jobs and lift millions out of poverty.

6.    The implication is that Mr. President now expects action and results. So as Commissioners of Housing and critical stakeholders in the housing delivery value chain at both national and sub-national levels, we must all up our game. We must work harder to break all the barriers that have mitigated against the progress of the sector.  

7.    At the Ministry of Housing and Urban Development, we are committed to providing the right leadership as the focal driver of His Excellency’s bold vision for the housing sector. Indeed, we are charting a progressive, proactive, and knowledge-based approach to address these by thinking out of the box.

8.    We are exploring creative solutions and will implement necessary reforms so that we can rewrite the story of housing and urban development in our dear country. I urge you all to join me so that when the story of the transformation of the sector is written, you will be happy to have contributed your patriotic quota.

9.    Before I proceed, I would like to express my sincere appreciation to the Executive Governor of Kaduna State, His Excellency, Senator Uba Sani for accepting to host this 12th Meeting of the Council in Kaduna State at such a brief notice.  We sincerely thank you for your support and understanding. We also want to appreciate the warm reception and the hospitality that the good people of Kaduna State have accorded us all.

10.    I must also say it is a divine coincidence that this Council Meeting is holding in Kaduna State after being planned for another state. This is because Kaduna State has demonstrated exemplary leadership in housing development. The State stands as a good example of how we should approach the challenges in the housing sector.

11.    In June 2017, Kaduna State became one of the first states in the country to adopt and pass into law the Model Mortgage Foreclosure Law (MMFL). Kaduna State now has a functional State Mortgage and Foreclosure Authority that coordinates   and   promotes   housing investments   and   mortgage   development activities as stipulated in the foreclosure law.

12.    On the supply side, Kaduna State has implemented reforms in land administration, titling and registration and offered fiscal incentives, among others. They have digitized land administration through the Kaduna Geographic Information Service (KADGIS), provided land for willing developers to help expand the housing stock and even began direct construction of low-medium income housing by their Ministry of Housing and Urban Development. On the demand side, they have developed single-digit interest rate mortgage arrangements with Sterling Bank, FHA Mortgage Bank and NMRC. The mortgage arrangement with Sterling Bank has enabled the buyers of non-essential government residential assets, more than 80 percent of whom are civil servants, to secure mortgage loans to pay for the properties which were sold at open market value.     

13.    As a result, the revenue generation for the State has risen tremendously at over 44billion per annum. The State has been in the top 10 revenue generating States in Nigeria and first among the Northern States.

14.    Kaduna has made all this possible despite the lack of amendments to the Land Use Act. It is therefore no wonder that the state has become a major source of foreign direct investment.

15.    I am particularly impressed by the State’s Qatar Sanabil Project, which aims to deliver about 500,000 housing units.  This is a laudable feat and testament to the business-friendly environment of Kaduna State that is worthy of emulation.

16.    As I mentioned earlier, Housing is one of the critical sectors earmarked for focus under President Bola Ahmed Tinubu’s Renewed Hope Agenda.  It is tied to Four (4) of the Eight (8) key presidential priorities of the current government namely, Economic growth and Job creation, Access to capital, social inclusion or Inclusivity and Ending poverty.  These Four presidential priorities of Government underline the priorities of the Federal Ministry of Housing and Urban Development over the next 4 years through the following efforts:

a.    Reform of Federal Housing Institutions such as the Federal Housing Authority (FHA), Family Home Funds (FHF) and the Federal Mortgage Bank of Nigeria (FMBN) to enhance efficiency and capacity.

b.    Establishment of a National Social Housing Fund to cater to the housing needs of the NO INCOME, homeless and vulnerable groups. .

c.    Review of the Land Use Act (1978) to streamline access to land.

d.    Establishment of a robust Mortgage Registry to facilitate property transactions and increased home ownership;

e.    Increasing housing supply

f.    Establishment of private sector-led local building materials manufacturing clusters in each geopolitical zone of the country.

g.    Development of fiscal incentives for private Investors to manufacture local building component.

17.    The achievement of these targets would require an “All of Government” Approach and Actions that foster continuous engagement between Governments at all levels along with the private sector and relevant International Organizations operating in the Housing sector. This approach is particularly required because land is a serious impediment to the expansive construction of mass, social and affordable housing in Nigeria.  Accordingly, the contribution of State Governments who are critical Stakeholders, being the custodian of land in line with the Constitution and the current Land Use Act, is vital.

18.    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.

19.    A notable part of our housing sector reforms 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.

20.    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.

21.    Only recently, I invited members of the Presidential Technical Committee on Land Reforms (PTCLR) to the Ministry, and I must say that the work they have done over the past 14 years is comprehensive and commendable. We have set up an Internal Committee to review their submissions for inclusion in our land reforms strategy.

22.    Despite challenges, I believe there is hope for a significant turnaround for the Housing and Urban Development sector in Nigeria. My confidence lies in the fact that we have a President who is a visionary, and a gamechanger. He has shown that he has the political will to back his bold vision of providing affordable and quality housing for all.

23.    With Mr. President’s support, we are set to commence Phase 1 of the Renewed Hope Cities and Estates and Slum Upgrading Programme nationwide before the end of this year.  The Phase 1 of the project is targeted to deliver 34,500 housing units consisting of 1, 2 and 3-bedroom affordable multi-level flats and bungalows for low-income earners, as well as high-end detached bungalows, terraces and duplexes for high income earners in Thirty (30) States of the Federation including, Kano, Lagos, Rivers, Borno, Enugu, Nasarawa, and the Federal Capital Territory (FCT).

24.    To ensure affordability for Nigerians we have already mapped out the following options. These include Rent-to-Own, Public Rental, Mortgage Loans, and where applicable, outright sale.  

25.    With regards to the Slum Upgrading Programme, the Ministry plans to upgrade a total of 26 slums in the Six (6) regions of the country, including the Federal Capital Territory. This project would ensure the provision of key infrastructure and ancillary services including access roads, water supply, solar streetlight, drainages, sanitation and waste management services etc., that would improve the living standards of the slum residents in the project sites and the urban poor in general.

26.    In the Federal Ministry of Housing and Urban Development the issue of financing housing development and urban infrastructure remains priority.  Some of these innovative financing and credit-driven approaches, which could be exploited to its fullest potential include:

a.    Increasing the adoption of Public-Private Partnerships (PPPs) and similar Institutional arrangements.
b.    Encouraging the growth of various Credit schemes, Housing Cooperatives and Rent-To-Own Schemes;
c.    Increasing access to Multilateral/Bilateral, Pension Funds and Capital Market funding sources.
d.    Expanding housing construction finance from Federal and State Housing Agencies.

27.    Distinguished Ladies and Gentlemen, I would like to conclude by encouraging each one of you to see yourselves as the visionaries and gamechangers of land administration in your various states. As you aim to attract financing to your various states, we cannot do this effectively if we do not have a streamlined land administration system. It will not be possible if we do not have a model mortgage foreclosure law passed and operational in your state. Experts agree that it is not possible to have sustainable economic growth without land reforms.

28.    So, my charge for all of you as Commissioners of Housing is that you should go back to your States as Senior Advocates of Land Reforms (SALRS). Impress on your State Governments to toe the line that Kaduna and some states such as Ekiti, Nasarawa, Lagos have toed by passing the Model Mortgage Foreclosure, implementing land titling and property registration using GIS even as we work to review the Land Use Act of 1978.

29.    Let me assure you all that the Federal Ministry of Housing and Urban Development would continue to work closely with Members of the Senate and House Committees on Lands, Housing and Urban Development to ensure successful passage and review of the laws required to ensure speedy realization of all the Ministry’s and Sector’s plans and targets.

30.    Before I close, I would like to express my sincere gratitude to the Chairman, Senate Committee on Housing, H.E. Senator Aminu Tambuwal, the Chairman, House Committee on Housing and Habitat, Hon. Balele Aminu and Chairman, House Committee on Regional Planning and Urban Development, Hon. Abiante Awaji for their continuous legislative support towards the development of the Housing Sector in Nigeria.

31.    My greetings and appreciation also go to all Participants and Resource persons.  I thank you all for your efforts and contributions to the success of this Meeting.

32.    Finally, I would like to again reiterate and assure you of the Ministry’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 providing affordable housing and ensuring sustainable urban development in Nigeria.

33.    Thank you all for your attention and God bless.




Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa during the 20th edition of the Mortgage Banking CEOs Annual Retreat at the Transcorp Hilton Hotel in Abuja on Saturday 2nd December 2023

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Honourable Minister of Works, Sen. Engr. Nweze David Umahi with Governor of Kogi State, Yahaya Bello and the newly elected Governor of the State Ahmed Usman Ododo during a visit in his office at the Ministry's Headquarters, Abuja on Thursday, 30th November 2023.

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