Federal Ministry of
Works and Housing (FMWH)
Federal Republic of Nigeria
Follow Us:
Welcome To Federal Ministry Of Works And Housing.
Minister Federal Ministry Of Works Engr. David Umahi.
Works And Housing.
Inspection Tour Of Houses For The National Housing Scheme.
Housing Sector.
Rehabilitation Reconstruction And Expansion Of Roads.
Road Construction Inspection Tour.
Road Inspection.


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.


Ministry to Partner IOD Centre for Corporate Governance on Staff Training and Capacity Building   The Ministry of Housing and Urban Development is set to enter into collaboration with the Institute of Directors’ Centre for Corporate Governance to provide training and capacity building for its staff. The move is intended to optimise the processes of both the Ministry and its agencies and bolster their outlook by entrenching professionalism and enhancing their corporate governance.   This was revealed by the Honourable Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa during a courtesy visit by the institute to the Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa at his office in the Ministry’s headquarters in Abuja on Tuesday. The Minister underscored the important role the institute plays in enhancing professionalism in the workplace, promoting good governance practices, and boosting performance across sectors.   “We would leverage your capacities and resources to boost professionalism and effective leadership at all levels within the Ministry and Agencies towards powering our Action Plan for Housing and Urban Development. We hope that we can do this through periodic retreats, seminars, brainstorming sessions to empower our professionals with the right leadership techniques.   “In line with the Renewed Hope Agenda of His Excellency, President Bola Ahmed Tinubu, GCFR, we intend to build a Ministry of Housing and Urban Development that embraces the performance-driven culture of the private sector so that we can more effectively deliver homes and livable communities for Nigerians,” he said.   Dangiwa noted that the most important resource in any establishment is the human resource, and all personnel must be empowered with the requisite skillsets, mentality, and attitude to bring about positive change and transformation. He added that the IoD is a trusted resource that has been instrumental in boosting efficiency for optimal performance across organisations in Nigeria.   “The ideals that the Center promotes align seamlessly with the fundamental principles that underpin effective and responsible leadership. This includes Integrity, Meritocracy, Professionalism, Accountability and Probity, Customer Centricity and Teamwork. I recall that as the Managing Director/Chief Executive of the Federal Mortgage Bank of Nigeria (FMBN) IoD was a strong partner and insightful resource during the series of Board/Management Retreats and Capacity Building/Training programs that we carried out.   “During these sessions we sought to build a new culture of high performance that delivers results even while confronting systemic and institutional bottlenecks. I believe that the robust contributions and input from IoD helped to bring clarity to our initiatives and increase staff capacity. All these resulted in the historic performance that I was able to lead the Management to record within our five years at the Bank. I am proud to say that what we achieved in five years at FMBN was far more than what previous managements had achieved in 25 years before we came on board,” he said.   On his part, leader of the delegation and Chairman, Board of Governors of the Institute, Urum Eke noted that the purpose of the visit was to offer useful tools to the Ministry and seek the Minister’s intervention in ensuring that agencies such as the FMBN and the Federal Housing Authority (FHA) take advantage of their expertise to position themselves for growth.   “It is clear to us that, with respect to housing and urban development, government does not have the wherewithal to do the massive work that is needed. What that means is that you’ll certainly be doing more of Public-Private Partnerships. However, no private sector partner will put his money in a parastatal, agency or company where there is no strong corporate governance; that is clear. Corporate governance is at the root of corporate performance, so we want to urge you to prevail on the agencies under the Ministry to take advantage of what we offer” he said. ...


Dangiwa Reiterates Commitment to Fiscal Responsibility, Judicious Use of Resources in Housing Delivery   Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa has reiterated his commitment to ensuring strict adherence to fiscal responsibility in the operations of the ministry and its agencies, noting that development in the housing and urban sector is largely dependent on judicious use of resources in the conceptualisation, development, and implementation of affordable housing and urban development plans.   Speaking during a courtesy visit by the Fiscal Responsibility Commission (FRC) at the Ministry's headquarters in Abuja, Tuesday 28th November 2023, Arc. Dangiwa said the Ministry has a fundamental obligation to manage public funds responsibly and ensure that Nigerians get value for money expended by the Ministry and its agencies.   "As the Minister of Housing and Urban Development, I clearly understand the important role that fiscal responsibility should play in guiding the management of the Ministry’s affairs. For me, fiscal responsibility is not just merely a concept; it is a cornerstone that should shape our decisions, policies, and strategies, ensuring the judicious management of the Ministry’s resources so that we can give Nigerians value for money as we conceive, develop, and implement our affordable housing and urban development plans," he said.   The Minister further noted that he understands the weight of public trust and will do all in his power to ensure the activities of the ministry are carried out in a transparent and accountable manner. "Every decision that we make, every resource that we allocate, carries the weight of public trust and expectation. Therefore, instilling fiscal responsibility is indeed an ethical imperative and a commitment to transparent and accountable governance," he added.   He thanked the FRC for its efforts over the years and assured them of the support of the ministry to engender fiscal responsibility and reporting within its agencies, while pledging to help the commission make a case for the review of its establishment law to ensure proper compliance by public offices.   Earlier in his remarks, the commission's Chairman, Barr. Victor Muruako noted that the Minister has always been an advocate of fiscal responsibility right from his days as Managing Director of the Federal Mortgage Bank of Nigeria (FMBN). He sought the Minister's intervention in ensuring agencies under the Ministry adhere to annual financial reporting to the commission.   He further expressed confidence in the Minister's ability to deliver on the Renewed Hope Agenda for Housing and Urban Development. "As MD of the FMBN, he achieved about N270 billion in additional NHF contributions. We are also aware of the N40 billion FMBN Cities' Project which he started in his time. As Minister, I have no doubt in his experience, abilities, and commitment to developing the sector. The Renewed Hope Agenda is real, and very soon Nigerians will begin to see the results," he said. ...


Road Infrastructure Revolution Nationwide has Started, Courtesy of the Renewed Hope Administration of Mr President. Read to Know Your Role   1. The attention of the Federal Ministry of Works has been drawn to the concerns of the public on the deplorable situations of some sections of the Federal roads throughout the Federation as reported in many media platforms, especially social media, the front page, pages 4,5,6 and 14 of the publication of Sun Newspaper of 26th November, 2023. Most of the sections of the roads frequently reported but definitely not exhaustive are: the Makurdi-Nsukka 9th Mile Road, East West Road, Lagos-Abeokuta Expressway, Benin bypass road, collapsed bridges of Enugu- Port Harcourt road, collapsed bridges of Shandam-Plateau State, Abuja-Kaduna- Zaria-Kano road and Gombe- Bauchi etc.    2. The President of the Federal Republic of Nigeria, His Excellency, Senator Asiwaju Bola Ahmed Tinubu, GCFR is aware of the state of our road infrastructure which he inherited on the 29th day of May 2023. Without prejudice to all the good efforts of the past administration on road infrastructure development which they tackled within the limit of their resources, the work to be done to change the ugly state of our roads is quite enormous.   3.  Mr. President is not complaining of the challenges he inherited in nearly all sectors of the economy, especially as it concerns our road infrastructure, but he is quite courageous as he had promised to tackle the problems head-on which he has started to do not minding the debt burden inherited especially the funding gap of over Six Trillion Naira (₦6T) from most of the inherited on-going road projects.   4. Mr. President has since reeled out plans of commitment, consistence, and innovations towards actualizing a sustainable road infrastructure development throughout the country. He has just approved a 2023 Supplementary budget of Three Hundred Billion Naira (₦300B) for the Ministry of Works comprising of One Hundred Billion Naira (₦100B) for immediate palliative works in 36 States and FCT and Two Hundred Billion Naira (₦200B) for continuation of most of the inherited ongoing projects and very few new but critical road projects.   5. Mr. President has directed that works in those palliative projects must commence before 1st December 2023, while observing all due process. On the sections being frequently complained of by the public in all regions of the North and South of the country, Mr. President has equally isolated them and directed immediate actions on them and indeed work has started on all such roads. The public can crosscheck our claims and report back to us.   6. The engagements of the Federal Ministry of Works will not be limited to these isolated reported cases but shall be holistic in our approach through these approved palliative measures and the interventions of FERMA in all the 36 States and FCT also.   7.  The public is hereby requested to assist the Federal Ministry of Works and FERMA by supervising the contractors that will be engaged in these palliative works and indeed all ongoing projects of the Federal Ministry of Works and FERMA. It is the right of every Nigerian to have value for their money deployed to the road infrastructure sector and therefore must show both interest and passion in all the ongoing projects by the Federal Ministry of Works and FERMA, and indeed all projects of the Federal, State and Local governments. All poorly constructed roads should be photographed and reported immediately to the following contacts: 08030986263, 08037086137, or 08106423197; showing the name of the contractor, the location and type of contract and defects observed. The Federal Ministry of Works will document such reports, verify and take effective action to correct such infractions. The Federal Ministry of Works shall also periodically recognize publicly those who made such reports that are genuine in a public engagement forum to be hosted quarterly by the Federal Ministry of Works and will sanction such erring contractors publicly too.                               8. THE USE OF ASPHALT AND CONCRETE PAVEMENT IN ROAD INFRASTRUCTURE DEVELOPMENT   a. The Federal Ministry of Works is shocked to observe the various acts of darkening counsel without knowledge on the position of the Ministry on the use of asphalt and concrete pavement in the development of our road infrastructure by people who have vowed not to release their hands off the brake of our road infrastructure development just for their selfish gains. b. The Federal Ministry of Works has at no time banned the use of asphalt or directed that concrete pavement shall be the only means of road pavement structure. For the avoidance of doubt, the new policy of the Federal Ministry of Works is simply put as follows: i.    contractors for all the ongoing projects are simply requested to have a choice to continue to use asphalt or have their projects redesigned on concrete at no extra cost to government following the underlisted conditions: ii.    Use of asphalt: contractors shall stick to only 5% Variation on Price (VOP) in line with the signed contract agreement throughout the period of the project and the signed contract shall not be subject to review especially on bituminous items. iii.    The thickness of the asphalt pavement as designed must be strictly adhered to by all such contractors and the design shelf life for the asphalt (at least 15 years) shall be guaranteed by issuing an insurance bond through a reputable insurance company in favour of the Federal Government. This is in line with Article 2 of the signed contract and clause 51 of the general conditions of contract (which is part of the documents forming the signed contract with contractors which authorize the client through the Engineer to change the scope of the work, the quantity of the work, the quality of the work as the client may deem fit at any time etc.) for all the ongoing projects. These directives to the contractors do not in any way violate the Federal Ministry of Works' signed agreement with the contractors. iv.    For the use of concrete, contractors must abide by the 5% VOP and 50 years design shelf life using concrete grade 40. c. Those who are complaining and demarketing this policy are simply those who do not wish Nigeria well and they are the same people that use adulterated bitumen in their projects while putting pressure on our Naira through the importation of adulterated bitumen instead of developing our abundant God given bitumen deposits in Ogun State and other parts of Nigeria. Insofar as this new policy has not violated any law, the Federal Ministry of Works is forging ahead with this new policy.  As at today, most of the ongoing projects are still ongoing with asphalt pavement in line with this new policy while some are redesigned on concrete pavement, depending on the terrain and with full understanding of the affected contractors of those projects.   9. The Federal Ministry of Works is very concerned with the supervision of our projects and effective 1st of December 2023, there will be a revolution in the ways and methods the Federal Ministry of Works supervises her projects nationwide. All concerned are HEREBY put on NOTICE as the Ministry will not spare anyone found culpable in his or her assignment.    10. The Director of Works of the 36 States and FCT and  FERMA have been directed to audit all projects in their States and FCT especially equipment on and off sites with their pictures, personnel of contractors, status of all projects including financial status (contract sum, date of award, period of construction and time table, amount paid, challenges, % of work completion, augmentation of project if any, VOP claims etc). This assignment must be completed before 30th November 2023. Note that this directive was given since the past two months.   11. The Federal Ministry of Works wishes to thank Mr. President for his directive that all inherited projects from the past administration be continued while he makes frantic efforts to source for funds for the completion of these ongoing projects and the critical new ones within his 1st 4 years of his Divine 8 years of purposeful and fruitful divine administration through the power of God who divinely brought him to  leadership at this critical moment of our Nation’s history.   12. On the part of the staff of the Federal Ministry of Works, I pledge to strictly and Godly follow the divine Renewed Hope Agenda of Mr. President, and God willing, we shall continue to support Mr. President and deepen the good efforts of Mr. President in all our road infrastructure development.   Signed: H. E. Sen. (Engr.) Nweze David Umahi, CON, FNSE, FNATE Hon. Minister.   ...

First First First First






A Big Thank You to Brekete Family for the Words of Encouragement and Constructive Criticism to the Renewed Hope Administration of the Innovative President of the Federal Republic of Nigeria, His Excellency Asiwaju Bola Ahmed Tinubu, GCFR


The truth is that the President of the Federal Republic of Nigeria, His Excellency, Asiwaju Bola Ahmed Tinubu, GCFR means well for Nigeria. He is on a Divine mission to reinvent a nation of the dream of the founding fathers, where all Nigerians will be proud to be associated with.


The new innovations on road infrastructure introduced by the Federal Ministry of Works under Sen. Engr Nweze David Umahi, CON is among the numerous innovations initiated by Mr President to change the ugly narrative of our developmental history. This was what Mr President did when he   presided over Lagos as the 1st democratically elected Governor of Lagos State in the history of the 4th Republic. He made Lagos to be truly Africa’s Centre of Excellence. He broadened the economic prospects of Lagos State and since then Lagos has continued to prosper and to dominate as the largest commercial hub in Africa. Now Mr President is presiding over the most populous country in Africa, you all will see a positive change that will beat the estimation of leaders of African continent. He has the will, the experience, the exposure and the ingenuity to achieve excellence in Nigeria's social- economic history.


The cream of resolute Hon. Ministers  and the innovative policies of the Federal Government  under our dear President, especially the idea of looking inwards and thinking out of the box will do a lot in mitigating the forex  challenges, reduce capital flight, discourage corruption, create jobs and wealth for the teeming population, enhance export potentials, boost industrialization, reduce insecurity, increase our Gross Domestic Product, promote local content and prosper our nation.


This is the aspiration of Mr President. Concrete road initiative which was the original brainchild of our dear President when he presided over Lagos State will do a lot to change our narrative as we can be sure the new road policy is more enduring than the old system of asphalting which often fail and cause monumental pains to road users.


This is why the office of the Chief Press Secretary to the Hon. Minister of Works finds it progressively expedient to say a big thank you to the Brekete Family for supporting the road infrastructure initiative of our dear President Bola Ahmed Tinubu, GCFR.







I am pleased to welcome you to the 12th meeting of the National Council on Lands, Housing And Urban Development holding at Kaduna, Kaduna State.


2.    As you are aware, the theme of this year’s National Council Meeting is “Harnessing Local and International Credit Scheme as a panacea for Housing Infrastructure Development under the Renewed Hope Mantra”. The theme is apt and timely, considering the Renewed Hope Agenda and drive toward addressing housing deficit and maximizing available opportunities in ensuring that a greater number of Nigerians have a place to call a home. As a collective resolve to address this perennial challenge in Housing infrastructure development, exploring both Local and International prospects is inevitable.


3.     In order to ensure that housing challenges are addressed, it has become necessary for all the crucial stakeholders to consider and provide contemprorary policies that will support the exploration and assessment of Local and International funds.


4.      It is quite instructive that the theme was carefully chosen to ensure that both Local and International Credit are assessed to complement direct Government effort in providing Housing for Nigerians.


5.      The Meeting is significant as it will afford us the desired opportunity to identify some of the challenges in assessing Local and International credits for Housing Infrastructure and discuss strategies towards addressing them. We are required to look at the best ways to explore and assess funds needed for massive deployment of housing infrastructure so as to galvanize national growth and sustainable Development Goals which focuses on restoring economic growth, mass housing, investing in our people and creating a people friendly economy. The achievement of these objectives largely lies on the availability of affordable and sustainable Housing across the country.


6.     Distinguished delegates and officials, the timing of this meeting, therefore, is very significant as it provides a variable platform for us heads of Bureaucracy in our various States to think through and make necessary provisions for Housing in our various Budgets for the year 2024 and beyond as well as developing frameworks for harnessing Local and International funds for mass and affordable Housing which will impact positively on Nigerians and the economy.


7.    On this note, I once again, welcome you all to this 12th Meeting of the National Council on Lands, Housing and Urban Develeopment and wish you fruitful deliberations.


8.      Thank you.




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

Click To View More Pictures




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.

Click To View More Pictures

Other Agencies