Dec

17

2023

GOODWILL MESSAGE BY THE HONOURABLE MINISTER OF HOUSING AND URBAN DEVELOPMENT, ARC. AHMED MUSA DANGIWA, AT THE AFRICA HOUSING AWARDS AT THE INTERNATIONAL CONFERENCE CENTER, ABUJA 17TH DECEMBER 2023

1.    Protocols
2.    First, I would like to thank the organizers of the Africa Housing Awards for inviting me to deliver a goodwill message at the 5th edition of this annual event.
3.    I sincerely believe that the task of developing Africa’s housing sector, ensuring increased access to decent and affordable housing is a collective endeavor. It is a patriotic job that requires the contribution, active participation, and monitoring of all stakeholders and stakeholders across the entire housing value chain. From developers, mortgage bankers, development finance institutions, government owned housing institutions, housing policy leaders, advocacy institutions and groups and so many others. We are all part of the housing eco-system and all that we do in our various spaces and areas of responsibilities impact positively or negatively our collective desire to build a better and functional housing system that works for Africans.  
4.    This is why I want to take a special moment to commend those who conceived, birthed, and have sustained the Africa Housing Awards. I am particularly impressed at the continental theme of the Awards: Africa – Not Nigeria Africa Awards.
5.    This yearly practice of recognizing and honoring housing industry personalities, leaders in both private and public sectors who have demonstrated uncommon commitment in the discharge of their duties is a vital to promoting the spirit of excellence in the industry.
6.     As the Minister of Housing and Urban Development, I would like to encourage all stakeholders in housing delivery in all countries in Africa and Nigeria to never loose sight of the responsibility that goes with each office that we hold. Whether in the private sector or the public sector – we must be constantly reminded that our job is to house Africa. And there are millions in need of housing, and they cut across all income segments. We must at all times never lose sight of the fact that the decisions that we take, the energy that we commit or don’t commit have practical results.
7.    So, to all the institutions, individuals that are going to take home awards today, I want to congratulate you for being outstanding in the discharge.
8.    Their recognition and honor should stir all of us to work harder towards ensuring that we fix the housing shortfall in Africa as we unlock the catalytic power of the housing sector to ignite national development.
9.    At the Ministry of Housing and Urban Development we have outlined a bold Action Plan to Actualize the Renewed Hope Vision for Housing and Urban Development in Nigeria.
10.    As part of our plans to ensure that housing agencies under the supervision of the Ministry are optimized to deliver on our target of providing affordable homes to Nigerians, we have composed a Housing Reform Team of experts, stakeholders, agency representatives, professional bodies, and academia to develop a robust framework for reform of the housing sector including thorough review of relevant laws and facilitation of necessary legislative amendments. This includes the Land Use Act, 1978, National Housing Fund (NHF) Act,1992, Federal Mortgage Bank of Nigeria (FMBN) Establishment Act, 1993, Federal Housing Authority (FHA) Act,1973, PenCom Act to allow for increased investment in housing.
11.    We are also working to implement the much-needed reforms that will ensure quick, easy, and efficient access to land. We have composed a land reforms team comprising state governments, traditional rulers, relevant agencies, professional bodies, academia, stakeholders to ensure buy-in and inclusivity.
12.    In line with the Renewed Hope plan to ensure that all Nigerians including the NO INCOME, vulnerable and underprivileged groups have access to decent and dignified accommodation, we are also creating the framework for the establishment of a National Social Housing Fund (NSHF). This is because we believe that access to decent shelter is a not only a necessity but a human right and that all Nigerians across all income segments deserve a decent home to live and grow.
13.    We have also prioritized building materials manufacturing in the country. This will ensure economic growth, create jobs, and reduce dependency on imports. To ensure success, we have composed a Building Materials Manufacturing Task Team comprising of experts and representatives from relevant government agencies, academia, professional bodies, and industry associations. They will conduct a thorough assessment of the current state of the building materials manufacturing sector and produce a strategic plan for reforming the sector for implementation. Our plan is to build six (6) building materials manufacturing hubs, one in each of the six (6) regions of the country.
14.    To increase the stock of housing supply, we have also composed and will inaugurate a Multi-Agency Project Delivery Team. The Team will ensure that all housing agencies including FHA work together towards optimizing their strengths to increase the stock of quality houses to Nigerians. The Team comprises highly qualified and experienced professionals with expertise in housing development, urban planning, infrastructure, finance, and project management.
15.    Under our New City Development Plan, the Ministry plans to lead partnerships with the private sector, local and international investors, towards redefining the concept of cities in Nigeria and decongesting city centers and state capitals in line with the Renewed Hope Agenda of Mr. President.
16.    The first phase of the New City Development Plan aims to deliver Renewed Hope Cities ranging from 1,000 housing units per site in one location in each of the six geo-political zones of the country and FCT namely: Abuja, Lagos, Kano, Borno, Nasarawa, Rivers, and Enugu States, while the remaining thirty (30) States will have Renewed Hope Estates each with a minimum of 500 housing units.
17.    The Renewed Hope Cities will have inclusivity at their core: They will include Multi-Level Flats to cater to low-medium income earners; Terrace and Detached Bungalows and Duplexes for the high-income earners. The Renewed Hope Estates will have 1,2- and 3-bedroom affordable bungalows.
18.    Overall, we aim to deliver under this phase 1, a total of 40,000 homes from a mix of sponsors comprising the Federal Ministry of Housing and Urban Development’s budgetary allocation, the Federal Mortgage Bank of Nigeria (FMBN), and through Public Private Partnerships with reputable developers in the delivery of the new cities.
19.    Ownership Options include Mortgage Loans, Rent-to-Own and Outright Purchase. At 25 jobs per unit, the first phase of the project will create direct and indirect 1,000,000 jobs helping to achieve the target to lift 1million Nigerians out of poverty.
20.    Under Phase 1 of the Slum Upgrading Programme, the Ministry plans a total of 26 sites nationwide. This includes four (4) sites in each of the six regions of the country totaling twenty-four (24) and two (2) in the FCT. The key services to be provided at the identified sites will include water supply, solar streetlights, rehabilitation of access roads, construction of drainages and waste management and sanitation services amongst others.
21.    These are some of our key focus areas at the Ministry of Housing and Urban Development. We are fully aware of the challenges ahead of us and are passionate about making a difference. However, we know that we are only one part of the housing value chain and as such know that for us to achieve, we would need the support of all stakeholders.
22.    So, once again I want to thank the organizers of this 5th edition of the Africa Housing Awards, and I congratulate all the winners while encouraging us all to continue to work harder towards ensuring that we provide increased access to decent and affordable housing to all Africans.
23.    Thank you all.

Dec

07

2023

REMARKS BY THE HONORABLE MINISTER OF HOUSING AND URBAN DEVELOPMENT, ARC. AHMED MUSA DANGIWA AT THE MEETING WITH MILLARD FULLER FOUNDATION ON THURSDAY, 7 DECEMBER, 2023 IN ABUJA

Protocols
Good afternoon, ladies, and gentlemen.
1.    It is my pleasure to welcome the leadership and staff of the Millard Fuller Foundation, an organization that embodies the spirit of progress and compassion in the realm of affordable housing, to the Federal Ministry of Housing and Urban Development.
2.    The mission of the Millard Fuller Foundation resonates deeply with the core values of our Ministry of Housing and Urban Development and the Renewed Hope Vision His Excellency, President Bola Ahmed Tinubu for Quality Housing for All Nigerians.
3.    Their commitment to providing truly affordable homes for mid-low-income earners through collaborative partnerships is commendable and inspiring.
4.    Like Millard Fuller, we also believe that what we do here does not only lead to the construction of houses, but that we are also helping to build lives and empower communities across Nigeria.
5.    We also share in the understanding that a home is not just a structure made of bricks and mortar. It is the cornerstone of stability, the sanctuary of safety, and the conduit to essential amenities. It represents a vital asset that can transform lives, create opportunities, and be the foundation upon which dreams are built.
6.    Moreover, their programmatic focus on building basic, decent, and affordable homes for low-income earners aligns perfectly with our ministry's goals.
7.    Since my assumption of office, I have made it clear that as a Ministry we must build for the 80 percent of Nigerians that fall within the low to medium income segment. They are in fact the majority. And as Nigerians, every one of them deserve to have access to decent and affordable housing. That is why we set up an Affordable Housing Design Committee with an initial focus of building homes that are organic and with price tags as low as N4M. I am particularly saddened that the possibility of this is fading with the high inflationary trends which are having a negative impact on the price of construction materials.
8.    But I have not given up on my charge to our Directors and the Committee on exploring all possible areas to lower the price barrier of homeownership for Nigerians.
9.    Relatedly, as part of the Renewed Hope Vision for Urban development, 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.
10.    We also plan to set up a National Social Housing Fund (NHSF) to ensure that all Nigerians including the NO INCOME, vulnerable and underprivileged groups have access to decent and dignified accommodation.
11.    We also plan to boost building materials manufacturing in the country towards ensuring economic growth, creating jobs, reducing dependency on imports, and lowering the cost of construction materials and housing delivery.
12.    Our plan is to build six (1) Building Materials Hubs in each geo-political zone 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.
13.    These are some of our plans that align with the work that Millard Fuller Foundation is doing.
14.    And I must say that as a private sector initiative, their work serves as a shining example of what can be achieved when compassion, dedication, and innovation converge. Their collaborative approach, engaging with individuals and organizations, showcases the power of unity in tackling complex societal issues.
15.    As we move forward in our quest to ensure housing security and inclusivity for all, I consider a partnership with the Millard Fuller Foundation as necessary. We would like to learn from your lessons in designing and delivering decent but low-budget houses, and how you are innovating in the face of high inflationary trends.
16.    Once again, I thank Millard Fuller Foundation for the visit and look forward to further collaboration.
17.    Thank you.

Dec

02

2023

KEYNOTE ADDRESS BY THE HON. MINISTER OF HOUSING AND URBAN DEVELOPMENT AT THE 20TH EDITION OF MORTGAGE BANKING SUB-SECTOR CEO’S ANNUAL RETREAT AT THE TRANSCORP HILTON, ABUJA, ON SATURDAY, 2ND DECEMBER 2023

Protocols
1.    First, I would like to commend the leadership of the Mortgage Banking Association of Nigeria (MBAN) for sustaining this Annual CEO Retreat.
2.    Each year this Retreat provides a platform for CEOs of Mortgage Banks, Mortgage Brokerage Companies, Statutory Regulatory Bodies, Federal and State Governments/Policy Makers and other housing industry stakeholders to gather, network, share experiences, discuss sector challenges to produce clear recommendations that border on effective housing delivery in the country.
3.    These Retreats are important because they help in the cross pollination of industry experiences, ideas, and knowledge critical to sharpening government policy on sustainable housing delivery in our dear country.
4.    This 2023 edition is the 20th in the series, and I am happy to be here to address you for the first time as the Minister of Housing and Urban Development.
5.    However, I am pained to note that the same problems that have been militating against the growth of housing finance, mortgage adoption and housing delivery in this country and have been the points of discussion at every one of the previous 19 editions are the same ones that still plague the sector today.  
6.    While preparing for this Keynote Address, I recalled a paper titled “Mortgage Banking/Housing Finance Sector in Nigeria: Past, Present and Future” presented by the former MBAN Executive Secretary, Mr. Kayode Omotosho in 2011 – 12 years ago. That was years before I became the MD/CEO of FMBN in 2017 and began attending these Retreats.
7.    In the paper he listed the following as the major constraints bedeviling the industry and I quote:
•    Affordability gap in home ownership
•    Dearth of long-Term Funds
•    Critical Need for Enhanced Capital and Resource Base of Primary Mortgage Institutions (PMIs) and the Federal Mortgage Bank of Nigeria (FMBN)
•    Difficulty in accessing Land and secure title to Land due to the shortcomings in the provision and implementation of the Land Use Act of 1978.
•    Inadequate Legal Framework
•    Inadequate Housing Infrastructure
•    Inadequate incentives, concessions and taxes and non-availability of insurance Framework
•    Insufficient production and high cost of building materials as well as inadequate skilled labour.
•    The critical need to significantly grow the contribution of the entire Mortgage Banking/ Housing Finance Sector to the Nation’s Gross Domestic Product (GDP) which was put at 0.38%, compared to other Countries such as South Africa and Malaysia with an average rate of 40%.
Mr. Kayode in that paper went on to list the following key success factors. First was expedited action to review mortgage related laws. This includes:
•    The Land Use Act 1978
•    The National Housing Fund Act 1992
•    The Mortgage Institutions Act 1989
•    The Federal Mortgage Bank of Nigeria Act 1993
•    The Trustee Investments Act 1962
•    The Nigeria Social Insurance Trust Act 1993
•    The Insurance Act 2002
•    The Investments and Securities Act 1999
•    The Federal Housing Authority Act 1990
•    Securitization Bill
•    Foreclosure Laws Bill (Residential Mortgages Act & Residential Mortgages (Incentives) Act
•    Others included the need to reduce cost of title perfection, improving access to long-term funds, computerization of land registry offices, capitalization of Primary Mortgage Banks (PMBs) and the Federal Mortgage Bank of Nigeria (FMBN).

8.    Now, fast forward to 2023, and you will agree with me that not much has changed. Most of these problems are still with us. The National Housing Strategy Report developed in collaboration with FMDQs and launched by the previous administration cited just about the same problems. The report lists land, infrastructure deficit, high housing construction cost, household demand (which means the ability to pay and willingness to pay), and lack of affordable housing financing options.

9.    It is therefore against the backdrop of these recurring conversations and growing industry challenges that the theme for this year’s Retreat “Advancing Sustainable and Affordable Housing in Nigeria: Navigating Macro-Economic, Legislative, and Policy Frontiers” is so apt.

10.    This is because 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.

11.    I make bold to say that even in the midst of these persistent challenges, it is possible to make progress. As the MD/CEO of the Federal Mortgage Bank of Nigeria, we were able to innovate despite challenges to post results in five years that surpassed the 25-years before we came on board.

12.    I am well aware that the cost of funds is a major macro-economic issue that has made the interest rate on commercial mortgages so high, thereby affecting affordability. This is an issue that reflects the state of the national economy and I want to assure you that the Renewed Hope Vision of His Excellency, President Bola Ahmed Tinubu, GCFR is particular about growing the economy and creating a more friendly environment that would support the growth of the sector.

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

14.    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 motive, 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.
15.    On the government side, the message that I bring from His Excellency, President Bola Ahmed Tinubu, GCFR, is that he is ready to break the jinx of macro-economic, legislative and policy issues that have held down the growth of effective housing delivery in our country. He is ready to work with all stakeholders including MBAN to implement a holistic housing reform program to chart a new, progressive, and innovative path forward for the mortgage sector.
16.    Under the Renewed Hope Agenda of Mr. President, our goal is to ensure that as years go by, we are systematically tackling all these persistent issues and consigning them into the annals of history so that we can ensure increased access to affordable housing for Nigerians.
17.    As the Minister of Housing and Urban Development we aim to implement the most historic housing sector reforms the country has ever witnessed.
18.    A notable part is the implementation of comprehensive land reforms towards streamlining land administration and ensuring easy, cost effective and efficient access to land in our country.
19.    We have composed and secured Presidential consent to inaugurate a land reforms team comprising state governments, traditional rulers, relevant agencies, professional bodies, academia, industry experts to ensure buy-in and inclusivity.
20.    With their recommendations we will draft an Executive Bill and proceed to the National Assembly for the amendment of the obsolete Land Use Act 1978 that has hindered the development of the housing sector.
21.    In line with our policy of building on existing knowledge so we can move at a faster pace to deliver value, we recently invited and met with the Presidential Technical Committee on Land Reforms. And I must say that it was a wise decision to do so. This is because we now have access to the comprehensive work, they have done over the past 14 years on Land Reforms in our country. Immediately after the meeting we set up an Internal Ministerial Committee to review and recommend for inclusion in our land reforms strategy relevant parts of their recommendations. Part of this will be the establishment of the National Land Commission to spell out the guidelines and regulations for operationalizing the Land Use Act, 1978.
22.    Currently, we have a situation where the Land Use Act was enacted but there was no complementary institution set up alongside it to provide the necessary framework, guidelines, and regulations for operationalizing it.
23.    This will improve land titling and boost Nigeria’s ranking on the World Bank Ease of Doing Business where we currently rank 186th out of 190 countries.
24.    The second related reform is the nationwide adoption of the Model Mortgage Foreclosure Law. The law is a housing industry stakeholder initiative that is focused on establishing an enabling environment for investment in real estate and the growth of mortgages. It provides contemporary provisions on the creation, registration, and enforcement. I must recognize and commend the critical role that MBAN has played in this regard.
25.    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 the efforts to ensure that investments in the housing and mortgage sector are protected.
26.    We have also composed and secured presidential consent to inaugurate a Housing Institutions’ Reform Team comprising relevant agencies of Government, Professional/Regulatory Bodies, Academia, and Industry Experts to review some aspects of the existing laws listed below to align them with contemporary realities.
•    The Land Use Act, 1978.
•    National Housing Fund (NHF) Act, 1992.
•    Federal Mortgage Bank of Nigeria (FMBN) Establishment Act, 1993.
•    Federal Housing Authority (FHA) Act 1973.
•    PenCom Act (to allow for increased investment in housing development); and
27.    I am happy to say MBAN has been included in the membership of our Reform Teams.
28.    The reforms and legislative amendments that the Housing Institution’s Reform Team will execute in collaboration with stakeholders and the National Assembly will be the most comprehensive set ever done in the history of Housing and Urban Development in Nigeria.
29.    We are also working to boost building materials manufacturing in the country. This will ensure economic growth, create jobs, and reduce dependency on imports. On this too, we have composed a Building Materials Manufacturing Task Team comprising of experts and representatives from relevant government agencies, academia, professional bodies, and industry experts. They will conduct a thorough assessment of the current state of the building materials manufacturing sector and produce a strategic reform plan for implementation.  
30.    To increase the stock of housing supply, we have also composed and will inaugurate a Multi-Agency Project Delivery Team. The Team will ensure that all housing agencies work together towards optimizing their capacities to deliver decent and affordable housing to Nigerians. It comprises highly qualified and experienced professionals with expertise in housing development, urban planning, infrastructure, finance, and project management.
31.    Our Renewed Hope Cities and Estates Program seeks to deliver 40,000 housing units ranging from 1,000 housing units per site in one location in each of the six geo-political zones of the country and FCT namely: Abuja, Lagos, Kano, Borno, Nasarawa, Rivers, and Enugu States. House types will include Multi-Level Flats to cater to low-medium income earners, Terrace and Detached Bungalows and Duplexes for the high-income earners. We will also have Renewed Hope Estates of 500 housing units per site in each of the remaining thirty (30) States. House Types include 1,2- and 3-bedroom affordable units.
32.    The projects will be financed by the Federal Ministry of Housing and Urban Development’s budgetary allocation, the Federal Mortgage Bank of Nigeria (FMBN), and majorly through Public Private Partnerships with reputable developers. Ownership Options include Mortgage Loans, Rent-to-Own and Outright Purchase.
33.    We are also working to comprehensively upgrade our slums and embark on urban renewal. Under Phase 1 of the Slum Upgrading Programme, the Ministry plans a total of 26 sites nationwide. This includes four (4) sites in each of the six regions of the country totaling twenty-four (24) and two (2) in the FCT. The key services to be provided at the identified sites will include water supply, solar streetlights, rehabilitation of access roads, construction of drainages and waste management and sanitation services amongst others.
34.    It is important for me state that MBAN will be part of the offtake solution for these housing units at two levels. One as partner banks to the FMBN as retail outlets for NHF loans and as a partner to explore other commercial mortgage financing options especially through the capital market.

35.    Like I said earlier, as the Minister of Housing and Urban Development, I will continue to work closely with MBAN towards ensuring that all the issues that affect the development of the sector receive the highest consideration and treatment. I look forward to receiving the communique on the important resolutions and recommendations from this Annual Retreat for review and possible inclusion in our housing reform strategy.

36.    Together we can make progress. Together we can break barriers and unleash the potential of the housing market for economic and social transformation in Nigeria.

37.    I wish you all fruitful deliberations.

38.    Thank you.

Nov

30

2023

REMARKS BY THE HON. MINISTER OF HOUSING AND URBAN DEVELOPMENT, ARC. AHMED MUSA DANGIWA AT THE GROUNDBREAKING OF A 480 HOUSING UNIT PROJECT BY CITYGATE HOMES IN ABUJA ON THURSDAY, NOVEMBER 30, 2023

Protocols
1.    Good morning, ladies, and gentlemen,
2.    It is with pleasure that I stand before you today on this occasion of the groundbreaking ceremony of the remarkable 480-housing unit project by Citygate Homes here in the heart of Abuja. This groundbreaking event marks a significant contribution to our ongoing efforts to address the pressing need for adequate housing in our country.
3.    Housing is not merely a fundamental human need; it is the cornerstone upon which stable communities and vibrant societies are built. The provision of decent housing stands as a testament to a government's commitment to the welfare and well-being of its citizens. Today's groundbreaking ceremony is a testament to that commitment.
4.    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.
5.    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.
6.    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.
7.    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.
8.    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.
9.    However, I recognize that all Nigerians across all income segments desire access to decent housing and must applaud City Gate for tapping into this market segment. The approach that we are promoting at the Ministry is building integrated communities with housing types that reflect the diverse income segments of our society 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.
10.    I therefore urge all stakeholders involved in this project to ensure adherence to the highest standards of quality, timely execution, and transparency throughout its development phases. Let us work together to make these 480 housing units a reality, ensuring they become homes that foster happiness, security, and a sense of belonging for the families who will reside here.
11.    In closing, I want to commend the Management of Citygate Homes for their dedication to the task of housing Nigerians and to everyone present today for their support. Together, let us continue to strive towards building a future where every citizen has access to affordable and dignified housing.

12.    Thank you.

Nov

29

2023

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.

Nov

28

2023

REMARKS BY THE HON. MINISTER OF HOUSING AND URBAN DEVELOPMENT, ARC. AHMED MUSA DANGIWA AT THE MEETING WITH THE INSTITUTE OF DIRECTORS (IoD) AT THE MINISTRY’S HEAD OFFICE IN ABUJA ON TUESDAY, NOVEMBER 28, 2023

Protocols
1.    First, I would like to thank the Board of Governor led by Mr. U.K. Eke, MFR, FIoD of the IoD Center for Corporate Governance for paying me this courtesy visit.
2.    I am a very proud member of the Center, so I know and acknowledge the good and important work that you are doing in promoting good governance practices in Nigerian companies and the Public Sector.
3.    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.
4.    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.
5.    During these sessions we sought to build a new culture of high performance that delivers results even while confronting systemic and institutional bottlenecks.
6.    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.
7.    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.
8.    As the Minister of Housing and Urban Development, I plan to continue this collaboration with IoD.
9.    Fortunately, the FMBN is under the supervision of our Ministry, so we are going to promote and encourage that engagement. We will do the same for the Federal Housing Authority.
10.    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.
11.    We hope that we can do this through periodic retreats, seminars, brainstorming sessions to empower our professionals with the right leadership techniques.
12.    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.
13.    I acknowledge the challenges and past failed attempts in the housing sector. But I am hopeful that by leveraging the wealth of expertise of groups such as the IoD Center for Corporate Governance, and the cooperation of our Directors and Ministry staff, we shall deliver the Renewed Hope vision of His Excellency, President Bola Ahmed Tinubu, GCFR, for the housing and urban development sectors.
14.    Thank you all for your attention.

Nov

23

2023

REMARKS BY THE HONOURABLE MINISTER OF HOUSING AND URBAN DEVELOPMENT ON THE GOLDEN JUBILEE CELEBRATION OF FEDERAL HOUSING AUTHORITY AT THE INTERNATIONAL CONFERENCE CENTRE ABUJA ON 23RD  NOVEMBER 2023.

Protocols
1.    I would like to start by congratulating the Federal Housing Authority (FHA), Nigeria’s oldest housing institution, on this occasion of its 50th anniversary celebration.
2.    I also want to congratulate the Management and staff – retired and present – of FHA for keeping the fire of its mandate burning through these 50 years despite systemic, human-made and macroeconomic challenges.
3.    While we mark 50 years it is important for us to confront the truth of its history to learn the lessons from there. It is only based on this basis that we can begin the process of building a new FHA that delivers on its mandate.
4.    In 1973, the Federal Housing Authority was created with the mandate to provide housing to low- and medium-income earners nationwide. These functions were further expanded under the 2012 National Housing Policy to include the following key provisions.
•    To develop and manage real estate on a commercial basis in all states of the Federation and the Federal Capital Territory (FCT).
•    To provide sites and services for all income groups.
•    To execute housing programmes in the public interest as may be approved by the Federal Government and
•    To mobilize offshore funding for housing development.

5.    Pursuant to the re-defined roles, the National Council on Privatization in May 2013, approved FHA’s commercialization. The aim was to reduce the magnitude and scope of financial support of the Federal Government and allow the Authority to adapt to changing business requirements. At this time FHA had only managed to deliver 37,000 houses in its 40 years of existence.
6.    Now, ten years after commercialization, records show that FHA has only delivered a cumulative of just over 50,000 housing units. That shows an average of 1,000 houses per year in 50 years. This is clearly not acceptable, especially from Nigeria’s foremost housing agency that has so many institutional advantages that it can leverage to deliver more results. This includes free access to land from the federal government in all layouts and new districts, relationships with other government entities like the Federal Capital Development Authority (FCDA) and strategic positioning to engage in Public Private Partnerships (PPPs) with reputable developers given its name recognition as a government agency.  

Last month, during the Shelter Afrique EGM in Algeria, I discovered from my engagements with the Algerian Government that an Agency like the FHA delivers between 400,000 and 1m houses annually. In fact, in a particular year, that Agency delivered 1,060,000 houses.  This underscores the need for FHA to aggressively upscale its delivery capacity.

7.    I am also pained to say that analysis of all the PPPs that the FHA has entered into over the years have delivered little or no value to the country. This is also not acceptable. FHA needs to wake up to its responsibilities.  

8.    We have a serious housing crisis and current efforts; speed of delivery and strategies must be increased to meet the challenge. FHA must see this 50 years anniversary as a moment of soul-searching and resolve that the next 50 years will tell a different story. Like they say, we cannot change the past, but we can shape the future by doing things differently.

9.    What we need at FHA is leadership that is visionary and can innovate, think outside the box, while tackling problems. We can see this from the progressive, agenda setting and performance-driven leadership style of His Excellency, President Bola Ahmed Tinubu, GCFR.
10.    His leadership is gradually re-setting Nigeria on the path of sustainable growth and economic prosperity. It is this sort of leadership that Mr. President demands for the housing and urban development sector, which we must all collectively provide.
11.    So, today, we are celebrating the Renewed Hope for the Federal Housing Authority. The fact that FHA is marking its 50th anniversary just six months into the administration of His Excellency, President Bola Ahmed Tinubu, is not only a pleasant coincidence, but a golden opportunity for us to begin the process of writing a different, more progressive story for the next 50-years of the institution.
12.    Under the Renewed Hope Vision of His Excellency, President Bola Ahmed Tinubu, GCFR, we want to see a reformed, more efficient, and capable Federal Housing Authority (FHA) that would have the financial strength to deliver more on its mandate.
13.    FHA is the one agency that has the license to play in all income segments, so the ministry expects the FHA to make judicious use of this advantage in the broad strategy of the government to deliver housing to Nigerians. I want to see the FHA go to the capital market, issue bonds, and raise funding to deliver mass housing projects across the country, market them, payback the loans, and declare profit. In the next fifty years, we expect that FHA would be celebrating millions of homes built and successfully delivered to Nigerians.
14.    As the Minister of Housing and Urban Development, I am ready to provide the necessary leadership that is required to move FHA forward. This includes granting the necessary Ministerial support for FHA to access funding from international development finance institutions such as Shelter Afrique.
15.    We can do this because we have a President who is a gamechanger. He has the political will to break all systemic barriers that have prevented government agencies such as FHA from delivering on their mandates and playing their role in moving Nigeria forward.   
16.    As part of our plans to ensure that housing agencies under the supervision of the Ministry are optimized to deliver on our target of providing affordable homes to Nigerians, we have composed a Housing Reform Team of experts, stakeholders, agency representatives, professional bodies, and academia to develop a robust framework for reform of the housing sector including thorough review of relevant laws and facilitation of necessary legislative amendments. This includes the following:
a.    The Land Use Act, 1978
b.    National Housing Fund (NHF) Act,1992
c.    Federal Mortgage Bank of Nigeria (FMBN) Establishment Act, 1993
d.    Federal Housing Authority (FHA) Act,1973
e.    PenCom Act to allow for increased investment in housing.
f.    Driving Nationwide adoption and passage of the foreclosure law in states.

17.    We have secured the Presidential consent and will be inaugurating the Team within the next two weeks with a mandate to deliver their reports within two months. It is important to say that we are not trying to re-invent the wheel but to build on the existing body of industry knowledge. What we have lacked over the years is the POLITICAL WILL to implement them, which we now have in President Bola Ahmed Tinubu.

18.    I believe that the reforms and legislative amendments that the Housing Reform Team will execute in collaboration with stakeholders and the National Assembly will be the most comprehensive set ever done in the history of housing and urban development in Nigeria. This will give birth to a new FHA and other housing agencies that are fully empowered with the legal and financial capacity to deliver on their mandates.

19.    We are also working to implement the much-needed reforms that will ensure quick, easy, and efficient access to land. We have composed and secured Presidential consent to inaugurate a land reforms committee comprising state governments, traditional rulers, relevant agencies, professional bodies, academia, stakeholders to ensure buy-in and inclusivity.

20.    With their recommendations we will draft an Executive Bill and proceed to the National Assembly for the amendment of the obsolete Land Use Act 1978 that has hindered the development of the housing sector.

21.    In line with our policy of building on existing knowledge so we can move at a faster pace to deliver value, we invited and met with the Presidential Technical Committee on Land Reforms. And I must say that it was a wise decision to do so. This is because we now have access to the comprehensive work they have done over the past 14 years on Land Reforms in our country. Immediately after the meeting we set up an Internal Ministerial Committee to review and recommend for inclusion in our land reforms strategy relevant parts of their recommendations. Part of this will be the establishment of the National Land Commission to spell out the guidelines and regulations for operationalizing the Land Use Act, 1978.

22.    On policy implementation we have called up and met with the FMDQs on the National Housing Strategy (NHS) that was launched in May this year. We have reviewed the document thoroughly towards identifying initiatives for inclusion in our plans for implementation.

23.    In line with the Renewed Hope plan to ensure that all Nigerians including the NO INCOME, vulnerable and underprivileged groups have access to decent and dignified accommodation, we are also creating the framework for the establishment of a National Social Housing Fund (NSHF). This is because we believe that access to decent shelter is a not only a necessity but a human right and that all Nigerians across all income segments deserve a decent home to live and grow.

24.    We have also prioritized building materials manufacturing in the country. This will ensure economic growth, create jobs, and reduce dependency on imports. To ensure success, we have composed a Building Materials Manufacturing Task Team comprising of experts and representatives from relevant government agencies, academia, professional bodies, and industry associations. They will conduct a thorough assessment of the current state of the building materials manufacturing sector and produce a strategic plan for reforming the sector for implementation. We plan to inaugurate the Team very soon. Our plan is to build six (6) building materials manufacturing hubs, one in each of the six (6) regions of the country.

25.    To increase the stock of housing supply, we have also composed and will inaugurate a Multi-Agency Project Delivery Team. The Team will ensure that all housing agencies including FHA work together towards optimizing their strengths to increase the stock of quality houses to Nigerians. The Team comprises highly qualified and experienced professionals with expertise in housing development, urban planning, infrastructure, finance, and project management.

26.    FHA will also play a key role in our New City Development Plan. Here the Ministry plans to lead partnerships with the private sector, local and international investors, towards redefining the concept of cities in Nigeria and decongesting city centers and state capitals in line with the Renewed Hope Agenda of Mr. President.

27.    The first phase of the New City Development Plan aims to deliver Renewed Hope Cities ranging from 1,000 housing units per site in one location in each of the six geo-political zones of the country and FCT namely: Abuja, Lagos, Kano, Borno, Nasarawa, Rivers, and Enugu States, while the remaining thirty (30) States will have Renewed Hope Estates each with a minimum of 500 housing units.

28.    The Renewed Hope Cities will have inclusivity at their core: They will include Multi-Level Flats to cater to low-medium income earners; Terrace and Detached Bungalows and Duplexes for the high-income earners. The Renewed Hope Estates will have 1,2- and 3-bedroom affordable bungalows.

29.    Overall, we aim to deliver under this phase 1, a total of 40,000 homes from a mix of sponsors comprising the Federal Ministry of Housing and Urban Development’s budgetary allocation, the Federal Mortgage Bank of Nigeria (FMBN), and through Public Private Partnerships with reputable developers in the delivery of the new cities.
30.    Ownership Options include Mortgage Loans, Rent-to-Own and Outright Purchase.

31.    At 25 jobs per unit, the first phase of the project will create direct and indirect 1,000,000 jobs helping to achieve the target to lift 1million Nigerians out of poverty.

32.    Under Phase 1 of the Slum Upgrading Programme, the Ministry plans a total of 26 sites nationwide. This includes four (4) sites in each of the six regions of the country totaling twenty-four (24) and two (2) in the FCT. The key services to be provided at the identified sites will include water supply, solar streetlights, rehabilitation of access roads, construction of drainages and waste management and sanitation services amongst others.
33.    The Federal Housing Authority has a major role to play in our ‘Renewed Hope Agenda’ for housing and urban development. So, getting FHA to fulfill its mandate is a priority to us. We will encourage the Authority to operate optimally. We will drive the process for the release of the Take- off grant proposed for the Authority prior to its partial commercialization.
34.    As an agency that is not on the budget, we will strengthen FHA to be able to source private sector funds -locally and internationally – to drive its operations. What I want the FHA to know is that being partially commercialized and not being on the budget is a good thing. It gives you the latitude to become more creative and innovative in tapping financing for your activities.
35.    On this note, once again, I thank you all for joining us to mark the 50th Anniversary of Nigeria’s oldest housing institution and to celebrate the Renewed Hope for a more impactful and progressive FHA. It’s the Renewed Hope Era and all federal agencies must be primed to fire on all cylinders towards meeting Nigeria’s housing needs.
36.    Thank you all.

Nov

22

2023

REMARKS BY THE HON. MINISTER OF HOUSING AND URBAN DEVELOPMENT, ARC. AHMED MUSA DANGIWA AT THE OPENING CEREMONY OF THE 63RD ANNUAL GENERAL MEETING OF THE NIGERIAN INSTITUTE OF ARCHITECTS IN ABUJA ON 22ND NOVEMBER 2023.

Protocols:

1.    Esteemed Members of the Nigerian Institute of Architects, distinguished guests, and friends.
2.    I extend my warmest greetings to each of you gathered here today on the occasion of the 63rd Annual General Meeting of the Nigerian Institute of Architects and the inauguration of Arc. Mobolaji Adeniyi as the 30th President of this esteemed institution.
3.    This event marks a significant milestone in the history of the Nigerian Institute of Architects. Architecture, beyond the sheer construction of buildings, stands as a testament to the fusion of art, science, and functionality. It is the manifestation of our aspirations, shaping the physical landscape and transcending the realms of aesthetics to profoundly impact human lives.
4.    In the rich tapestry of our nation’s architectural heritage, architects are the custodians of innovation, sustainability, and societal progress. The built environment reflects our cultural identity and bears the responsibility of creating spaces that foster community, inclusivity, and wellbeing for all.
5.    The Nigerian Institute of Architects stands as a beacon of excellence, embodying the values of professionalism, integrity, and creativity. Throughout its distinguished history, the institute has been a cradle for nurturing talent, fostering collaboration, and advocating for the highest standards of architectural practice.
6.    Arc. Mobolaji Adeniyi’s ascendancy to the presidency signifies a new chapter in the institute’s journey. Her leadership qualities, coupled with a wealth of experience, will undoubtedly steer the institute toward greater heights of achievement. I am confident that under her guidance, the Nigerian Institute of Architects will continue to be a trailblazer, shaping the architectural landscape of our nation and beyond.
7.    As the Minister of Housing and Urban Development, I want to assure the Institute of our commitment to implementing historic reforms that will reset the housing and urban landscape of the country.
8.    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.
9.    At the Ministry, I have taken Mr. President’s vision and am determined to actualize it.  We want to drive through initiatives that will create an enabling environment for easier, safer, and profitable private sector investments in the sectors.
10.    Top on our agenda is establishing credible, scientific, and reliable housing data for planning and policy formulation.
11.    For years, our nation has grappled with conflicting and unsubstantiated figures regarding this crisis. The range of estimates, varying from 17 million to 28 million, has not only been a source of embarrassment but also a hindrance to effective policymaking and strategic planning.
12.    We plan to fix this national embarrassment by developing and implementing a mechanism to deliver reliable housing data to guide policy formulation. We have begun a strategic collaboration with the National Population Commission on housing data. The plan is to work with the Commission to design and implement survey instruments specifically tailored to address housing-related questions to arrive at the actual housing deficit during their upcoming population and housing census exercise.
13.    We understand clearly that the housing deficit is not solely about the quantity of structures but also about the quality of living conditions. So, we want to know whether the homes that Nigerians live in provide access to good sanitation, proper toilets, sufficient living spaces, a healthy environment, and other essential amenities. We have written to Mr. President and we are hopeful that with his approval for the conduct of the Census, we should fix this problem and put an end to this national embarrassment.
14.    To ensure that housing agencies under the supervision of the Ministry are optimized to deliver on your target of providing affordable homes to Nigerians, we have composed a Housing Reform Team of experts, stakeholders, agency representatives, professional bodies and academia to develop a robust framework for reform of the housing sector including thorough review of relevant laws and facilitation of necessary legislative amendments.
15.    This includes the Land Use Act of 1978, National Housing Fund (NHF) Act 1992, Federal Mortgage Bank of Nigeria (FMBN) Establishment Act 1993, Federal Housing Authority (FHA) Act 1973, PenCom Act to allow for increased investment in housing and the nationwide adoption and passage of the foreclosure law in states.
16.    The reforms and legislative amendments that the Reform Team will execute in collaboration with stakeholders and the National Assembly will be the most comprehensive set ever done in the history of housing and urban development in Nigeria.
17.    We have also composed a Multi-Agency Project Delivery Team that will ensure that all housing agencies work collaboratively together towards optimizing their strengths to deliver decent and affordable housing to Nigerians.
18.    In line with the Renewed Hope vision, we are also leading the much-needed reforms to ensure quick, easy, and efficient access to land, we have defined a framework for implementing historic land reforms that would unlock estimated $300bn in dead capital. Our aim is to ensure that Nigerians have legal titles over their land so they can use it to access credit for their business. Over 97% of land in Nigeria do not have titles thereby limiting its potential as an economic resource. We have engaged the Presidential Technical Committee on Land Reforms (PTCLR) and committed to reviewing and incorporating relevant recommendations.
19.    A key part of this includes the establishment of a National Land Commission. The Commission will provide the guidelines and regulations for operationalizing the Land Use Act 1978. This will help streamline land administration.
20.    To drive this process, we have composed a land reforms committee comprising state governments, traditional rulers, relevant agencies, professional bodies, academia, stakeholders to ensure buy-in and inclusivity. With their recommendations we will draft an Executive Bill and proceed to the National Assembly for the amendment of the obsolete provisions in Land Use Act 1978.
21.    In line with the Renewed Hope Vision to ensure that all Nigerians including the NO INCOME, vulnerable and underprivileged groups have access to decent and dignified accommodation, we are creating the framework for the establishment of a National Social Housing Fund (NSHF) for your consideration and approval. We believe that access to decent housing is a human right, and all Nigerians deserve access to quality shelter.
22.    We also plan to boost building materials manufacturing in the country towards ensuring economic growth, creating jobs, reducing dependency on imports, and lowering the cost of construction materials and housing delivery.
23.    Our plan is to build six (1) Building Materials Hubs in each geo-political zone 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.
24.    To this end we have already composed a Building Materials Manufacturing Task Team comprising of experts and representatives from relevant government agencies, academia, professional bodies, and industry associations. Primarily, their job is to conduct a thorough assessment of the current state of the building materials manufacturing sector and produce a strategic plan for reforming the sector for implementation. We have already identified a set of consultants for prototype design of the hubs to be located one in each geo-political zone.
25.    In doing all these, we recognize the indispensable role of architects as key stakeholders in this endeavor. Our partnership with the Nigerian Institute of Architects will remain steadfast as we work hand in hand to devise innovative solutions, implement policies that promote sustainable development, and create environments that enhance the quality of life for all citizens.
26.    I extend my sincere congratulations to Arc. Mobolaji Adeniyi on assuming the esteemed role of President and commend the institute for its unwavering dedication to advancing the architectural profession in Nigeria.
27.    May this gathering serve as a catalyst for renewed collaboration, innovation, and collective action toward building a brighter, more sustainable future for our nation.
28.    Thank you.

Nov

16

2023

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
    
PROTOCOL

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,

SPEECH

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.

Nov

15

2023

REMARKS BY THE PERMANENT SECETARY, FEDERAL MINISTRY OF WORKS AND HOUSING, MAHMUD MAMMAN AT THE 12TH MEETING OF THE NATIONAL COUNCIL ON LANDS, HOUSING AND URBAN DEVELOPMENT HOLDING AT UMARU MUSA YAR’ADUA CONFERENCE CENTRE, KADUNA, KADUNA STATE FROM MONDAY 13TH TO FRIDAY, 17TH NOVEMBER,2023.

Protocols

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.

Nov

13

2023

SPEECH BY THE DIRECTOR, PLANNING, RESEARCH AND STATISTICS, FEDERAL MINSTRY OF WORKS AND HOUSING, MR. KOLAPO RAHEEM, AT THE TECHNICAL SESSION OF THE 12TH MEETING OF THE NATIONAL COUNCIL ON LANDS, HOUSING AND URBAN DEVELOPMENT, HELD AT UMARU MUSA YAR’DUA CONFERENCE CENTRE, KADUNA, KADUNA STATE FROM MONDAY, 13TH TO FRIDAY, 17TH NOVEMBER, 2023
 

PROTOCOLS

It is my pleasure to welcome you to the 12th Meeting of the National Council on Lands, Housing and Urban Development holding in Kaduna, Kaduna State with the theme, “Harnessing Local and International Credit Scheme as a Panacea for Housing Infrastructure Development under the Renewed Hope Mantra.”

2.    The theme of this year’s Meeting, no doubt was chosen in consideration of the dire need to galvanize domestic and foreign fund towards meeting the nation’s Housing challenges and enhancement of the country’s overall economic growth and development.

3.    As you are aware, the Council Meeting commences with a 2- day Technical Session of the Directors, Heads of Agencies and Professional Bodies in the built industry, where memoranda submitted by stakeholders are summarized for consideration by the Permanent Secretaries on the 3rd day being 15th November, 2023. The Permanent Secretaries’ summations are thereafter presented to the main Council at its meeting on Thursday, 16th November, 2023 for final consideration and approval.

4.    Distinguished delegates and officials, in the spirit of the present Administration’s Renewed Hope Agenda on all sectors of the economy, an in particular the Housing and Urban Development sub sectors, I urge you to explicate your professionalism in the course of deliberations to guide policy formulation that will facilitate affordable housing delivery for all.

5.    Finally, I wish to express my appreciations to the Governor of Kaduna State, His Excellency, Senator Uba Sani for the support of Kaduna State Government, the Honourable Minister of Housing and Urban Development, Architect Ahmed Musa Dangiwa, Honourable Minister of State for Housing, Engr. Abdullahi T. Gwarzo, Permanent Secretary, Federal Ministry of Works and Housing, Alh. M. Mamman, for providing the enabling environment for the success of this meeting. I also express my gratitude to all Directors, Kaduna State Local Organising Committee and the entire Staff of the Ministry whose collective efforts have made this meeting possible.

6.      Once again, I welcome you all and wish you fruitful deliberations.

7.    Thank you.

Nov

09

2023

REMARKS BY THE HONOURABLE MINISTER OF HOUSING & URBAN DEVELOPMENT ON THE GOOD MORNING NIGERIA PROGRAMME ON THURSDAY, 9TH NOVEMBER, 2023.

Dear Nigerians,

I had the honour of speaking on the Good morning Nigeria programme on the NTA Network this morning. It was an opportunity to reiterate our commitment to the Renewed Hope Agenda for Housing and Urban Development as envisaged by His Excellency, President Bola Ahmed Tinubu.

I highlighted our key priorities for the Housing and Urban sector, including the plan to create Renewed Hope Cities across Nigeria, starting with a first phase of 40,000 housing units across all 36 states and the Federal Capital Territory. We estimate that Nigeria requires an average of 550,000 units annually over a 10-year period to bridge the housing deficit, and the Renewed Hope Cities project is only one step towards achieving that.

I also firmly emphasized our commitment to strengthening the institutional capacity of the Ministry and our agencies like the Federal Mortgage Bank of Nigeria (FMBN) and the Federal Housing Authority (FHA). This involves reviewing the FMBN Act, the NHF Act, and other extant laws that no longer serve their purpose in view of current realities. We're also actively pursuing a review of the Land Use Act to make land administration seamless for enhanced property investment.

Our Slum Upgrading and Urban Renewal project will help upgrade communities deemed unfit for human habitation into livable and decent cities. We're not just concerned about increasing the housing stock, but also deeply committed to ensuring that Nigerians have decent places to call home.

I also seized the opportunity to inform Nigerians of our desire to complete all abandoned projects in the country. We're currently on an inspection tour and assessment of such projects. Not only will they be completed, but we will ensure that all projects we embark upon are completed as and when due.

Overall, our objective is to provide affordable and quality housing to Nigerians, while also creating decent cities and communities. We realize that the private sector should play a huge role in this regard. Not only are we partnering directly on projects, we're also creating an enabling environment for the private sector to thrive, by reviewing laws that have become stumbling blocks to progress and addressing the legacy challenges that have discouraged investments over the years, including access to land and titling, credit, and raw materials.

Let me re-echo the promise I made to Nigerians on the programme. The Tinubu administration is genuinely concerned about the housing and urban sector, and we will drive the much-needed change and development that Nigerians so dearly need.

Oct

25

2023

Ministry of Housing Charges Federal Housing Agencies to Embrace Innovation and Bold Ideas to Deliver Renewed Hope Agenda for Housing

The Federal Ministry of Housing and Urban Development has charged federal housing agencies to focus on innovation and audacity in the collective quest to deliver the Renewed Hope Agenda for Housing. This was contained in an address by the Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa during a multi-agency meeting at the ministry’s headquarters in Abuja on Wednesday 25th October 2023.

The meeting was attended by the leadership of the Federal Mortgage Bank of Nigeria (FMBN), the Nigeria Mortgage Refinance Company (NMRC), Family Homes Fund Limited (FHFL), and the Federal Housing Authority (FHA), and led by their Managing Directors and Chief Executive Officers. While noting that the meeting became necessary as part of efforts to ensure all federal agencies within the housing ecosystem work in synergy to achieve the vision of President Bola Ahmed Tinubu for Housing and Urban Development, the Minister urged them to be creative and ensure that their initiatives match the size of the housing challenge that the country faces.

“Under Mr. President’s Renewed Hope Agenda for Housing, the government expects all federal housing agencies to work with the clear understanding that at the core of what they do is providing housing Nigerians. Even though you may differ by name, the end result of your operations, no matter how technically different the institutional framework that guides you, is enabling access to decent and quality housing for all Nigerians across all income segments”, Dangiwa said.

He added that the agencies were strategically established to cater to all segments of the housing market, such as the social housing segment serviced by the FHFL; the affordable housing segment where the FMBN operates, and the mid to high-end segment of the market which is catered by the FHA.

“The Nigeria Mortgage Refinance Company (NMRC), on the other hand, has a significant role to play in developing the housing market and building a robust housing finance market through its mortgage refinancing operations that are designed to boost liquidity in the housing market. So, clearly, our problem is not the lack of institutions. We have them. But as we speak, we must all be humbled by how little we have collectively and individually done to address the housing problems of our country. If we consider the state of the housing market, the systemic challenges we still confront, the estimated size of the housing deficit, the prevalence of slum dwellings, the cost of land acquisition, interest on mortgage loans, among several other challenges, and how little progress we have made to tackling them, we can all agree that we have fallen short of expectations”, he noted.

Arc. Dangiwa reiterated the ambitious plans for housing as captured in the Renewed Hope Agenda and called for increased urgency in the delivery of housing tangibles in a bid to change the embarrassing narrative. “Our population is rapidly increasing, and the demand is rising. We must, therefore, resolve to act in a way that shows the urgency of the moment and the size of the problem we seek to solve. That is what Mr. President requires of us, and that is what we must do going forward”.

The Minister acknowledged the enormous systemic and macro-environment related challenges confronting the sector, including the Land Use Act, Establishment Acts of the FHA and the FMBN, the obsolete provisions of the NHF Act, the rising inflation rate, lack of government capital interventions, and other gaps in the value chain. “Despite these challenges, I believe that there still exist areas that we can leverage despite these challenges to make a greater impact. During my time at the FMBN, we made historic progress despite these challenges. That is what we should aim to do”, he added.

He further highlighted the Action Plan of the Ministry, which includes strengthening the institutional capacity of federal housing agencies, increasing the supply of decent and affordable housing stock, establishment of a National Social Housing Fund (NSHF), implementation of Land Reforms to ease land administration and access for private sector players, setting up Building Materials Manufacturing Hubs across the six geopolitical zones, development of New Cities that are integrated, inclusive, and demand-driven, as well as implementing Urban Renewal and Slum-Upgrading Programmes.

Stressing that President Bola Ahmed Tinubu is a game-changer who is willing to tackle Nigeria’s problems head-on, he called for the total commitment of the agencies to collaborate and participate with other housing stakeholders to see to the delivery of the Renewed Hope Agenda for Housing.

Managing Director and Chief Executive Officer of the NMRC, Kehinde Ogundimu expressed satisfaction with the policy direction and action plan of the ministry, noting that the implementation of the initiatives outlined by the Minister will trigger significant development in the housing sector. “On our part, we’re working to bring about a number of solutions, including the provision of data in partnership with bodies like the Central Bank of Nigeria, National Bureau of Statistics, Office of the Statistician-General of the Federation, and several others to assemble housing-related data based on the 117 indicators we ascertained through engagement with the Association of Affordable Housing.

“We are also working to dematerialize the entire titling process, find solutions to issues around construction such as technology, materials, cost, etc., and find ways around the scarcity of funds and financing”, he said.

In his response, Arc. Dangiwa asked the NMRC to make a presentation at the forthcoming National Council on Housing to educate the commissioners coming from various states on the need for states to adopt the model mortgage foreclosure law. “That way, they can take the message back to their governors. My desire is that we see to the full implementation of the law across the 36 states of the Federation during my time as Minister”, Dangiwa said.

Also commenting, Managing Director and Chief Executive Officer of Family Homes Fund Limited, Abdul Mutallab Muktar said that rising inflation and low incomes are major challenges to the delivery of affordable housing to Nigerians. “We’re finding creative ways to deliver more social housing, and I believe collaboration with other agencies like the NMRC, FMBN, and the FHA can create more avenues for social housing delivery to Nigerians. Data is important for this to happen and so is improved technologies. We’re working with the NMRC and other bodies on those areas as well”, he noted.

Other heads of agencies at the meeting were the Managing Director and Chief Executive Officer of the FHA, Sen. Gbenga Ashafa, MD/CEO of the FMBN represented by the Executive Director, Business Development and Portfolio Management, Mr. Kingsley Chukwuma, and the Managing Director of FHA Mortgage Bank, Mr. Hayatuddeen Auwal. While they pledged to deepen collaboration for better implementation of the Renewed Hope Agenda for Housing, the FHA called on the NMRC to accept other recognized documentation asides the Certificate of Occupancy towards refinancing loans issued by the FHA Mortgage Bank.

Oct

23

2023

Minister of Housing Unveils Plan to Build Renewed Hope Cities Nationwide

• Phase 1 to Create 240,000 Jobs

Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa, has unveiled plans to build Renewed Hope Cities Nationwide as part of government efforts to promote integrated and functional communities in Nigeria.

The Renewed Hope Cities will have inclusivity at their core. Phase 1 of the project aims to deliver 34,500 housing units in a mix of 1, 2, and 3-bedroom affordable bungalows in Nigeria’s thirty (30) states; multi-level flats to cater to low-medium income earners and terrace and detached bungalows and duplexes for the high-income earners in select state capitals including Lagos, Kano, Borno, Nasarawa, Port Harcourt, Enugu, and the Federal Capital Territory (FCT).

Arc. Dangiwa revealed this when he received the Executive Governor of Taraba State, His Excellency, Dr. Agbu Kefas, at the Ministry’s Headquarters in Abuja on Thursday, October 19, 2023.

Speaking on the plans, the Minister espoused a multi-agency approach and private sector-led approach to delivering the project: “Overall, we aim to deliver under the phase 1 of this project, a total of 34,500 homes from a mix of sponsors comprising the Federal Ministry of Housing and Urban Development’s budgetary allocation, the Federal Mortgage Bank of Nigeria (FMBN), and through Public-Private Partnerships with reputable developers.”

Additionally, he said that to ensure affordability and quick offtake of the houses by Nigerians, the Ministry has outlined the following mix of ownership options for potential beneficiaries. This includes leveraging the Federal Mortgage Bank of Nigeria (FMBN) to enable beneficiaries to access single mortgage loans payable over 30 years using the FMBN NHF Mortgage loan window, Primary Mortgage Banks, and the mechanism of the Nigeria Mortgage Refinance Company (NMRC) to enable beneficiaries who desire homes that are beyond the range offered by FMBN to access home loans at commercial rates.

“We plan to partner the private sector developers to sell the high-end buildings at commercial rates so we can apply the profits towards reducing the cost of the units targeting low-income earners” he added.

The Minister also said off-takers will also be encouraged to own the homes using the FMBN Rent-to-Own housing product which allows contributors to the National Housing Fund (NHF) Scheme to move into a home without equity payment and pay towards ownership over a maximum of 30 years depending on their age.

“To increase affordability, we are also exploring Public Rental where Nigerians who cannot afford to own their homes can rent housing units and pay on a monthly basis. They will also have an option to own the houses when their incomes improve,” he added.

“With the above affordability mix, Nigerians within the low- and medium-income brackets will have a wide range of convenient homeownership options to choose from to own their homes,” he said.

To deliver this, the Minister said the Ministry will need the support of State Governors in accessing free land as their contribution to the government’s plans to deliver affordable housing to all segments of the population.

“In our plan to deliver the Renewed Hope Agenda for Housing, one major area where we seek your support and collaboration is the provision of land. With this project alone, we aim to create over 240,000 jobs at 7 per housing unit. This is in line with Mr. President's goal to create jobs, lift 100 million Nigerians out of poverty, and grow the economy. To do this, we would need access to land at no cost from State Governments. Land is a major component of housing cost, so by giving us land, we would be ticking off a huge cost that will make it possible for the Ministry to deliver the houses at a price that Nigerians can afford,” he added.

He said that the Ministry has written letters to be sent to all State Governors seeking about 50 hectares of land for the Renewed Hope Cities. “I am sure that your Excellency will be kind and gracious enough to honor our request,” he added.

The Minister also noted other areas requiring the support of the Governor to include the reform of the Land Use Act, the passage and adoption of the foreclosure law, and setting up of mortgage.

In his response, the Executive Governor of Taraba State, Dr. Kefas, commended the Minister for the bold housing plans, saying that they fit into his state’s vision for inclusive and sustainable development.

“We are confident that the Renewed Hope Cities will not only create much-needed housing solutions but also generate significant employment opportunities for our people. Taraba State is ready to collaborate in every possible way to ensure the success of this project, bringing us one step closer to realizing the dream of adequate housing for all Nigerians. Once again, I commend the Ministry and assure you of our support in this laudable housing delivery plan,” Dr. Kefas added.

Oct

17

2023

Minister of Housing and Urban Development Calls on Nigerian Institute of Quantity Surveyors to Uphold Ethics and Standards

Arc. Ahmed Musa Dangiwa, the Minister of Housing and Urban Development, has called upon the Nigerian Institute of Quantity Surveyors (NIQS) to champion ethics and excellence within the construction and building sector in Nigeria. This call was made during a courtesy visit by the leadership of the Institute to the Ministry’s Headquarters in Abuja on Tuesday.

Emphasizing the vital role that the Institute plays in maintaining and elevating industry standards within the construction and building sector in Nigeria, the Minister stressed the importance of setting and upholding high ethical and professional standards among its members. He urged NIQS to take stringent disciplinary actions against those engaged in substandard practices. By doing so, he emphasized, the Institute would protect the reputation of the profession and substantially contribute to the safety and quality of construction in Nigeria.

According to Arc. Dangiwa, the Institute is a critical partner in the Ministry’s efforts to develop cost-effective housing designs and promote the construction of quality and affordable housing that caters to the income profiles of 80 percent of Nigerians falling within the low- and medium-income bracket.

“One of the central pillars of my tenure as the Minister of Housing and Urban Development is the prioritization of affordable housing. It is 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. Achieving this requires affordable housing design concepts based on the most efficient bills of quantities,” he stated.

He noted that in his first week in office, he 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,” he noted.

“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.

Indeed, quantity surveyors are the custodians of fiscal responsibility in construction. Your discerning eyes prevent wastage, ensuring that resources are utilized efficiently. Through their expertise, they pave the way for affordable housing without compromise.”

Furthermore, the Minister expressed his deep appreciation for the expertise of quantity surveyors and acknowledged their ability to optimize resources, manage costs, and guarantee quality, all of which directly influence the feasibility of affordable housing projects. 

He encouraged the NIQS to actively collaborate with the government in the ongoing review of building standards and regulations. The Minister emphasized the importance of aligning industry benchmarks with global best practices, ensuring they reflect the unique challenges and opportunities of the Nigerian construction sector.

In his remarks, President Shonubi Michael Olayemi commended the Ministry’s proactive approach towards affordable housing and assured the Minister of the NIQS’s commitment to collaboration. He reiterated the Institute's dedication to maintaining high standards within the industry and emphasized the importance of continuous professional development for quantity surveyors.

“The NIQS is deeply committed to ensuring that our members adhere to the highest ethical standards. We will collaborate with the Ministry to provide expert input during the review of building standards and regulations. Together, we can contribute significantly to the development of quality and affordable housing in Nigeria,” President Olayemi stated.

Dec

20

2023

REMARKS BY THE HON. MINISTER OF HOUSING AND URBAN DEVELOPMENT AT THE MEETING WITH REGISTRARS OF PROFESSIONAL REGULATORY BODIES IN THE CONSTRUCTION INDUSTRY ON WEDNESDAY, DECEMBER 20, 2023, IN ABUJA

1.    Protocols
2.    Honorable Chairmen/Presidents, esteemed Registrars, distinguished members of the Architect Registration Council of Nigeria (ARCON), Council of Registered Builders of Nigeria (CORBON), Estate Surveyors and Valuers Registration Board of Nigeria (ESVARBON), Quantity Surveyors Registration Board of Nigeria (QSRBN), and Town Planners Registration Board of Nigeria (TOPREC), it is with immense pleasure and honor that I welcome you all to this auspicious occasion.
3.    Your presence here today symbolizes the unity and collective dedication towards the advancement of the built environment in Nigeria. The collaboration and synergy between the government and professional regulatory bodies plays an integral role in steering our nation's housing and urban development agenda forward.
4.    As stakeholders in the built environment sector, your respective organizations play a pivotal role in ensuring professionalism, adherence to standards, and the promotion of sustainable development practices. The Architect Registration Council of Nigeria (ARCON), Council of Registered Builders of Nigeria (CORBON), Estate Surveyors and Valuers Registration Board of Nigeria (ESVARBON), Quantity Surveyors Registration Board of Nigeria (QSRBN), and Town Planners Registration Board of Nigeria (TOPREC) have been instrumental in shaping the landscape of our nation.
5.    Your commitment to upholding ethical standards, fostering innovation, and promoting continuous professional development among your members is commendable. The strides made in advancing the quality and safety of our built environment through your collective efforts have not gone unnoticed.
6.    As the Minister of Housing and Urban Development, I want to assure you all of my commitment to implementing historic reforms that will reset the housing and urban landscape of the country.
7.    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.
8.    At the Ministry, I have taken Mr. President’s vision and am determined to actualize it.  We want to drive through initiatives that will create an enabling environment for easier, safer, and profitable private sector investments in the sectors.
9.    Top on our agenda is establishing credible, scientific, and reliable housing data for planning and policy formulation.
10.    For years, our nation has grappled with conflicting and unsubstantiated figures regarding this crisis. The range of estimates, varying from 17 million to 28 million, has not only been a source of embarrassment but also a hindrance to effective policymaking and strategic planning.
11.    We plan to fix this national embarrassment by developing and implementing a mechanism to deliver reliable housing data to guide policy formulation. We have begun a strategic collaboration with the National Population Commission on housing data. The plan is to work with the Commission to design and implement survey instruments specifically tailored to address housing-related questions to arrive at the actual housing deficit during their upcoming population and housing census exercise.
12.    We understand clearly that the housing deficit is not solely about the quantity of structures but also about the quality of living conditions. So, we want to know whether the homes that Nigerians live in provide access to good sanitation, proper toilets, sufficient living spaces, a healthy environment, and other essential amenities.
13.    To ensure that housing agencies under the supervision of the Ministry are optimized to deliver on your target of providing affordable homes to Nigerians, we have composed a Housing Reform Team of experts, stakeholders, agency representatives, professional bodies and academia to develop a robust framework for reform of the housing sector including thorough review of relevant laws and facilitation of necessary legislative amendments.
14.    This includes the Land Use Act of 1978, National Housing Fund (NHF) Act 1992, Federal Mortgage Bank of Nigeria (FMBN) Establishment Act 1993, Federal Housing Authority (FHA) Act 1973, PenCom Act to allow for increased investment in housing and the nationwide adoption and passage of the foreclosure law in states.
15.    The reforms and legislative amendments that the Reform Team will execute in collaboration with stakeholders and the National Assembly will be the most comprehensive set ever done in the history of housing and urban development in Nigeria.
16.    We have also composed a Multi-Agency Project Delivery Team that will ensure that all housing agencies work collaboratively together towards optimizing their strengths to deliver decent and affordable housing to Nigerians.
17.    In line with the Renewed Hope vision, we are also leading the much-needed reforms to ensure quick, easy, and efficient access to land, we have defined a framework for implementing historic land reforms that would unlock estimated $300bn in dead capital. Our aim is to ensure that Nigerians have legal titles over their land so they can use it to access credit for their business. Over 97% of land in Nigeria do not have titles thereby limiting its potential as an economic resource. We have engaged the Presidential Technical Committee on Land Reforms (PTCLR) and committed to reviewing and incorporating relevant recommendations.
18.    A key part of this includes the establishment of a National Land Commission. The Commission will provide the guidelines and regulations for operationalizing the Land Use Act 1978. This will help streamline land administration.
19.    To drive this process, we have composed a land reforms team comprising state governments, traditional rulers, relevant agencies, professional bodies, academia, stakeholders to ensure buy-in and inclusivity. With their recommendations we will draft an Executive Bill and proceed to the National Assembly for the amendment of the obsolete provisions in Land Use Act 1978.
20.    In line with the Renewed Hope Vision to ensure that all Nigerians including the NO INCOME, vulnerable and underprivileged groups have access to decent and dignified accommodation, we are creating the framework for the establishment of a National Social Housing Fund (NSHF) for your consideration and approval. We believe that access to decent housing is a human right, and all Nigerians deserve access to quality shelter.
21.    We also plan to boost building materials manufacturing in the country towards ensuring economic growth, creating jobs, reducing dependency on imports, and lowering the cost of construction materials and housing delivery.
22.    Our plan is to build six (1) Building Materials Hubs in each geo-political zone 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.
23.    To this end we have already composed a Building Materials Manufacturing Task Team comprising of experts and representatives from relevant government agencies, academia, professional bodies, and industry associations. Primarily, their job is to conduct a thorough assessment of the current state of the building materials manufacturing sector and produce a strategic plan for reforming the sector for implementation. We have already identified a set of consultants for prototype design of the hubs to be located one in each geo-political zone.
24.    In doing all these, we recognize the indispensable role of all professional bodies in the built environment and requested that you send representatives in those reform teams. Our partnership with the professionals will remain steadfast as we work hand in hand to devise innovative solutions, implement policies that promote sustainable development, and create environments that enhance the quality of life for all citizens.
25.    I assure you of my ministry's unwavering support in creating an enabling environment that fosters growth and development within the built environment sector. We are committed to working hand in hand with your esteemed organizations to formulate policies that are responsive to the evolving needs of our nation and its citizens.
26.    Once again, I thank you for gracing us with your presence today, and I look forward to working with you all. Together, let us build a better Nigeria for generations to come.
27.    Thank you.

Dec

12

2023

TALKING POINTS FOR THE HONOURABLE MINISTER, FEDERAL MINISTRY OF HOUSING & URBAN DEVELOPMENT, ARC. AHMED MUSA DANGIWA, AT THE NIGERIA DIASPORA INVESTMENT SUMMIT (NDIS) COURTESY VISIT, ON TUESDAY, 12TH DECEMBER 2023

Protocol

Good morning, ladies, and gentlemen.

1.    It is my pleasure to welcome the leadership of the Nigerian Diaspora Commission (NiDCOM) under the leadership of Hon. Abike Dabiri to the Federal Ministry of Housing and Urban Development.

2.    I also want to appreciate and acknowledge the innovative drive of the NiDCOM Chairman and her team for the good work that they are doing in actualizing the mandate of the Commission.

3.    Like I said at the 6th Edition of the Nigeria Diaspora Investment Summit, NIDCOM has over the years championed several initiatives and programs that are helping our country leverage the massive potential of our diaspora for national development. We have over 20million Nigerians in Diaspora remitting an average of over $24bn per annum.

4.    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.

5.    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.

6.    We are also committed to providing necessary support to NiDCOM’s plans to ensure that Nigerians in diaspora can own homes in Nigeria.

7.    At the Summit, I launched the FMBN Diaspora Mortgage Loan which I had initiated and developed as the MD/CE of the Bank.

TALK ABOUT THE CURRENT STATUS OF THE FMBN DIASPORA MORTGAGE LOAN:

8.    The Federal Housing Authority (FHA)is also involved as part of the Ministry’s efforts 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.

TALK ABOUT THE CURRENT STATUS OF THE FHA DIASPORA CITY PROJECT

9.    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.

10.    I would like to assure Madam Chairman that the Ministry is committed to taking relevant actions towards ensuring that FMBN and FHA deliver on the stated objectives of these initiatives.

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

Dec

02

2023

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.

Nov

30

2023

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.

Nov

29

2023

REMARKS BY THE HON. MINISTER OF HOUSING AND URBAN DEVELOPMENT, ARC. AHMED MUSA DANGIWA AT THE MEETING WITH MODERN SHELTER AT THE MINISTRY’S HEAD OFFICE IN ABUJA ON WEDNESDAY, 29 NOVEMBER 2023

Protocols
Good afternoon, ladies, and gentlemen,
•    First, I would like to welcome the Managing Director of Modern Shelter, Mr. Abdulmalik and his team to the Federal Ministry of Housing and Urban Development.

•    I also want to commend the MD for the presentation and their desire to  partner with the Ministry as we chart a new and progressive path towards achieving the Renewed Hope Agenda of His Excellency, President Bola Ahmed Tinubu, GCFR for housing and urban development.

•    The Ministry of Housing and Urban Development acknowledges the pressing need for accessible housing for all Nigerians. We also know that the size of the housing problem that we seek to solve requires funding that government alone cannot meet.

•    So, for us, addressing the housing deficit, building livable communities, requires collaborative efforts from the Ministry, its agencies and reputable private sector developers.

•    Public Private Partnerships (PPPs) are a key part of our housing delivery program. In fact, we have a full-fledged Department in charge of that.  

•    Through PPPs, we aim to leverage the expertise and resources, especially access to finance, of the private sector while ensuring that the needs of Nigerians remain at the forefront.

•    It is for this reason that I agreed that we meet with Modern Shelter and listen to the value proposition that they can bring to our plan.

•    We have listened to your presentation and will engage with you further in identifying areas of collaboration and drawing up the necessary framework for partnership.

ADDRESSING POINTS FROM MODERN SHELTER PRESENTATION:
•    RESPOND/TALK ABOUT KEY AREAS IN THE PRESENTATION
•    MENTION POSSIBLE NEXT STEPS

•    I want to thank the Modern Shelter Management Team once again for their initiative.

•    Thank you.

Nov

28

2023

REMARKS BY THE HON. MINISTER OF HOUSING AND URBAN DEVELOPMENT, ARC. AHMED MUSA DANGIWA AT THE MEETING WITH THE FISCAL RESPONSIBILITY COMMISSION (FRC) AT THE MINISTRY’S HEAD OFFICE IN ABUJA ON TUESDAY, NOVEMBER 28, 2023

Protocols
1.    It is my pleasure to welcome you all to the Federal Ministry of Housing and Urban Development and to thank you for the good work that you are doing in upholding the values of transparency and accountability in our nation's financial governance.
2.    The establishment of the Fiscal Responsibility Commission through the Fiscal Responsibility Act of 2007 marked a pivotal milestone in our nation's pursuit of transparent and accountable financial governance.
3.    Over the years, FRC’s dedication to fostering an environment of economic prudence has provided an institutional framework for ensuring efficient resource allocation, and effective debt management.
4.    We are keenly aware of the Commission’s commitment to mainstreaming international best practices and facilitating greater efficiency in public expenditure, revenue collection, and fiscal transparency by all organs of government.
5.    I sincerely believe that your efforts in undertaking fiscal and financial studies, analyzing key economic indicators, and sharing these insights with the public are invaluable for informed decision-making.
6.    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.
7.    I also recognize that the responsible management of finances within our Ministry is not an option but a fundamental obligation to Nigerians. 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.
8.    So, I want to assure you of our commitment to fostering the ideals and values that FRC promotes.
9.    I am eager to explore synergies between our entities and identify areas where our combined expertise and mandates can create meaningful impact.
10.    Thank you for gracing this meeting with your esteemed presence. I look forward to a fruitful collaboration.

Nov

28

2023

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.

Nov

22

2023

REMARKS BY ARC. AHMED DANGIWA, HON MINISTER FOR HOUSING AND URBAN DEVELOPMENT DURING THE COURTESY VISIT BY THE HOUSING DEVELOPMENT ADVOCACY NETWORK (HDAN) ON WEDNESDAY, NOVEMBER 22, 2023

Protocols
1.    First, I’ll like to thank the entire leadership, and members of the Housing Development Advocacy Network (HDAN) for taking out time to pay me this courtesy visit.
2.    HDAN has been a part of my story at every turning point. I remember vividly the Special Agenda Setting Dinner that you organized for me at the Sheraton Hotels on August 24, 2023, shortly after my appointment.
3.    At the dinner, I took careful note of all the key points that were laid out by stakeholders at the event. This includes:
a.    The Absence of Credible, Scientific and Reliable Data to Guide Housing Policy Formulation and Implementation.
b.    Tackling the Prevalence of Building Collapses and the need to ensure quality of housing.
c.    The Need to study and implement Important Aspects of the National Housing Strategy Report co-sponsored by FMDQs earlier this year.
d.    Ensuring sustainable Development of urban and rural areas.
e.    Unlocking Affordable Housing Finance
f.    Improving access to land and easing title administration.
g.    Need to drive the nationwide adoption of model mortgage foreclosure law.
4.    It’s been over two months since that day, and I am happy to inform you that we have prioritized all these concerns in our actions over this time.
5.    On DATA, we are making progress. In our first month in office, we held a formal meeting with the National Population Commission to kickstart a strategic collaboration on housing data. We have set up a Ministry Taskforce that is actively working the Commission to design survey instruments that will help address housing-related questions during their upcoming population and housing census exercise.
6.    I am pleased to inform you all that from our technical sessions with the National Population Commission so far, we can say that the Census Survey Framework matches our needs, and the conduct of the next census will help to solve the housing data problem.
7.    We have gone further to write to Mr. President seeking his approval for the conduct of the census because of its significance to our objective of establishing the actual housing deficit.
8.    To ensure that housing agencies under the supervision of the Ministry are optimized to deliver on our target of providing affordable homes to Nigerians, we have composed a Housing Reform Team of experts, stakeholders – including HDAN representatives, agency representatives, professional bodies, and academia to develop a robust framework for reform of the housing sector including thorough review of relevant laws and facilitation of necessary legislative amendments. This includes the following:
a.    The Land Use Act, 1978
b.    National Housing Fund (NHF) Act,1992
c.    Federal Mortgage Bank of Nigeria (FMBN) Establishment Act, 1993
d.    Federal Housing Authority (FHA) Act,1973
e.    PenCom Act to allow for increased investment in housing.
f.    Driving Nationwide adoption and passage of the foreclosure law in states.
9.    We have secured the consent and will be inaugurating the Team within the next two weeks with a mandate to deliver their reports within two months. It is important to say that we are not trying to re-invent the wheel but to build on EXISTING BODY KNOWLEDGE as I BELIEVE THERE ARE ONLY A FEW NEW IDEAS. What we have lacked over the years is the POLITICAL WILL to implement them.
10.    Therefore, the team will be tasked with streamlining all previous reform blueprints, whitepapers for the agencies and outlining areas requiring reform, with a focus on enhancing efficiency, transparency, and accountability.
11.    I believe that reforms and legislative amendments that the Reform Team will execute in collaboration with stakeholders and the National Assembly will be the most comprehensive set ever done in the history of housing and urban development in Nigeria.
12.    We are also working to implement the much-needed reforms that will ensure quick, easy, and efficient access to land. We have composed and secured Presidential consent to inaugurate a land reforms committee comprising state governments, traditional rulers, relevant agencies, professional bodies, academia, stakeholders to ensure buy-in and inclusivity.

13.    With their recommendations we will draft an Executive Bill and proceed to the National Assembly for the amendment of the obsolete Land Use Act 1978 that has hindered the development of the housing sector. In line with our policy of building on existing knowledge so we can move at a faster pace to deliver value, we invited and met with the Presidential Technical Committee on Land Reforms. And I must say that it was a wise decision to do so. This is because we now have access to the comprehensive work they have done over the past 14 years on Land Reforms in our country. Immediately after the meeting we set up an Internal Ministerial Committee to review and recommend for inclusion in our land reforms strategy relevant parts of their recommendations. Part of this will be the establishment of the National Land Commission to spell out the guidelines and regulations for operationalizing the Land Use Act, 1978.

14.    On policy implementation we have called up and met with the FMDQs on the National Housing Strategy (NHS) that was launched in May this year. We have reviewed the document thoroughly towards identifying initiatives for inclusion in our plans for implementation.
15.    In line with the Renewed Hope plan to ensure that all Nigerians including the NO INCOME, vulnerable and underprivileged groups have access to decent and dignified accommodation, we are also creating the framework for the establishment of a National Social Housing Fund (NSHF). This is because we believe that access to decent shelter is a not only a necessity but a human right and that all Nigerians across all income segments deserve a decent home to live and grow.
16.    To lower the cost of building materials, we are also working to boost building materials manufacturing in the country. This will ensure economic growth, create jobs, and reduce dependency on imports. On this too, we have composed a Building Materials Manufacturing Task Team comprising of experts and representatives from relevant government agencies, academia, professional bodies, and industry associations. They will conduct a thorough assessment of the current state of the building materials manufacturing sector and produce a strategic plan for reforming the sector for implementation. We plan to inaugurate the Team very soon.
17.    To increase the stock of housing supply, we have also composed and will inaugurate a Multi-Agency Project Delivery Team. The Team will ensure that all housing agencies work together towards optimizing their strengths to deliver decent and affordable housing to Nigerians. The Team comprises highly qualified and experienced professionals with expertise in housing development, urban planning, infrastructure, finance, and project management.
18.    As you may have noticed, our Reform Agenda has many components. They range from slum/urban upgrading because we believe that not all Nigerians can afford the mortgages that even FMBN offers at single digit interest. So, our aim is to make the places they currently shelter in livable and habitable.
19.    Another component is affordable housing. Despite the tough macro-economic environment, there are still Nigerians who can afford to own a home via mortgages from the FMBN, FHA and even commercial mortgages. Our plan is to empower and support efforts of the agencies and our Ministry towards meeting this need.
20.    Our Renewed Hope Cities and Estates seek to deliver on this because they have inclusivity at their core. Phase 1 of the project aims to deliver 34,500 housing units ranging from 1,000 housing units per site in one location in each of the six geo-political zones of the country and FCT namely: Abuja, Lagos, Kano, Borno, Nasarawa, Rivers, and Enugu States. House types will include Multi-Level Flats to cater to low-medium income earners, Terrace and Detached Bungalows and Duplexes for the high-income earners. We ll also have Renewed Hope Estates of 500 housing units per site in each of the remaining thirty (30) States. House Types: 1,2- and 3-bedroom affordable bungalows.
21.    Sponsors will include Federal Ministry of Housing and Urban Development’s budgetary allocation, the Federal Mortgage Bank of Nigeria (FMBN), and through Public Private Partnerships with reputable developers. Ownership Options include Mortgage Loans, Rent-to-Own and Outright Purchase.
22.    Under Phase 1 of the Slum Upgrading Programme, the Ministry plans a total of 26 sites nationwide. This includes four (4) sites in each of the six regions of the country totaling twenty-four (24) and two (2) in the FCT. The key services to be provided at the identified sites will include water supply, solar streetlights, rehabilitation of access roads, construction of drainages and waste management and sanitation services amongst others.
23.    On the National Housing Programme, we are working on a comprehensive plan to ensure that all units are completed and off taken. Earlier this month we held a meeting with all the State Controllers on the matter. We also made physical visits to some of the sites here in Abuja. We have also set up a Ministerial Committee to review and rescope the contracts of the abandoned sites as appropriate. We will also assess both the technical and financial capacity of the contractors to ensure that we proceed with only those that are capable. Our goal at the end is to ensure that the government gets value for the investment in the National Housing Programme and that we also learn the lessons from its challenges. Under my watch, we will not experience those problems. We will ensure a demand driven approach, take care in siting planned housing estates in viable places where there is demand for offtake, ensure accessibility and infrastructure availability.
24.    I have been one of you and remain one of you. I know your passion for the housing sector, I know and understand the issues. I also know that you all mean well, and I am ready to work with all of you towards fixing these issues. I will continue to consult, and leverage the collective wealth of your expertise, knowledge of the industry and ideas and together we shall change the narrative for the good of our people.
25.    We encourage all members to feel free to send in memoranda regarding any of the policies that we have embarked on, or any progressive initiative that will help us move the sector forward. As the Minister of Housing and Urban Development, I am OPEN to ideas, initiatives and policies that will help us deliver affordable housing to Nigerians and build safer and more inclusive urban areas.
26.    Thank you once again for this visit and I look forward to working with you all.

Nov

16

2023

We Will Implement Historic Housing And Urban Development Reforms In Nigeria  -  Dangiwa

The Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa has stated that the Housing Ministry under his leadership is exploring creative solutions and will also implement necessary reforms in order to rewrite the story of housing and urban development in the country.

The Minister made this known while delivering his keynote address on the 4th day of the 12th meeting of the National Council on Lands, Housing and Urban Development, held in Kaduna State.

" As part of endeavours to provide the right leadership as the focal driver of President Bola Ahmed Tinubu’s bold vision of making housing a top priority for his government, giving its unique potential to catalyze economic growth, create jobs and lift millions out of poverty,  the Ministry’s goal is to implement the most historic housing and urban sector reforms ever witnessed in the Country, by driving initiatives that will create enabling environments for easier, safer, and profitable private sector investments in the sectors" he stated.

The Minister explained that Housing as one of the critical sectors set aside for focus under President Bola Ahmed Tinubu’s Renewed Hope Agenda, is tied to Four key presidential priorities which are, Economic growth and Job creation, Access to capital, social inclusion or Inclusivity and Ending poverty.

According to him, the Four presidential priorities of Government underline the priorities of the Federal Ministry of Housing and Urban Development over the next four years, through a Reform of Federal Housing Institutions like the Federal Housing Authority (FHA), Family Home Funds (FHF) and the Federal Mortgage Bank of Nigeria (FMBN), to enhance efficiency and capacity; Establishment of a National Social Housing Fund to cater to the housing needs of the NO INCOME, homeless and vulnerable groups; Review of the Land Use Act (1978) to streamline access to land; Establishment of a robust Mortgage Registry to facilitate property transactions and increased home ownership; Increasing housing supply, amongst others.

“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”, he added.

While noting that land reforms is a significant part of the housing sector reforms, Dangiwa disclosed a work in progress under the Renewed Hope Agenda of President Bola Ahmed Tinubu, to establish a National Land Commission whose work would be partly to outline clear implementation guidelines for the Land Use Act to chart a new path of effective land administration in the country.

The Minister further disclosed readiness with Mr. President’s support to commence Phase 1 of the Renewed Hope Cities and Estates which targets the delivery of 34,500 housing units 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 States of the Federation.

For the Slum Upgrading Programme, he also disclosed the Ministry’s plans to upgrade 26 slums in the six regions of the Country, and the Federal Capital Territory, to improve the living standards of the slum residents and urban poor by providing key infrastructure and ancillary services.

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

Speaking further, Dangiwa assured that the issue of financing housing development and urban infrastructure remains priority to the Ministry, and in this regard, he outlined some innovative financing and credit-driven approaches which could be exploited, such as Increasing the adoption of Public-Private Partnerships and similar Institutional arrangements, encouraging the growth of various Credit schemes, Housing Cooperatives and Rent-To-Own Schemes, increasing access to Multilateral/Bilateral, Pension Funds and Capital Market funding sources amongst others.

While appreciating the acceptance of the Kaduna State Government to host 12th Meeting of the Council despite a brief notice, Dangiwa praised the State for demonstrating exemplary leadership in housing development.

He informed that Kaduna was one of the first states in the country to adopt and pass into law the Model Mortgage Foreclosure Law (MMFL) which coordinates and   promotes housing investments and   mortgage development activities.

On the supply side, he pointed out that Kaduna State has implemented reforms in land administration, titling and registration, and also offered fiscal incentives, among others; and on the demand side, has developed single-digit interest rate mortgage arrangements with Sterling Bank, FHA Mortgage Bank and Nigeria Mortgage Refinance Company (NMRC).

“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”, he expressed.

He commended the high rise in the revenue generation of the State as a result of these achievements, to over ₦44billion per annum despite the lack of amendments to the Land Use Act.

In his opening Address, the guest of honour, the executive Governor of Kaduna State, Senator Uba Sani represented by the Honourable Commissioner of the Kaduna State Ministry of Housing and Urban Development Hon. Aminu Abdullahi Shagali, informed that Kaduna State Government in its effort to increase the housing stock came up with a direct Construction of 624 affordable housing units of 1-, 2- and 3-bedroom houses in four locations of the State, the Construction of a total of 222 houses of 1, 2, 3, 4 bedrooms terraces as well duplexes, directly and through partnership.

He added that the state was on partnership with 52 developers to provide between 20,000 and 30,000 houses which is at about 50% completion, provision of plots by the Kaduna Geographic Information System (KADGIS) to citizens, through the sites and services process so that individuals can build their own houses, amongst others.

The Governor further expressed the willingness of the State to continue in partnership with the Federal Government to facilitate the provision of decent and affordable Houses to Nigerians, while also welcoming investors to the State.

In his goodwill message, the chairman, Senate Committee on Housing, Senator Aminu Tambuwal Lauded the aptness of the theme for this year’s Council Meeting which is "HARNESSING LOCAL AND INTERNATIONAL CREDIT SCHEME AS A PANACEA FOR HOUSING INFRASTRUCTURE DEVELOPMENT UNDER THE RENEWED HOPE AGENDA” , pointing out that positive progress cannot not be made in the Housing and Urban Development Sector without funds.

While acknowledging that sourcing funds was a difficult one, He noted that it was not unconquerable giving that construction in housing is a major way of redistributing wealth and should be encouraged.

Tambuwal further assured of the support of the National Assembly in realizing the outcomes of the Council’s decisions.

Nov

15

2023

WELCOME ADDRESS BY THE HONOURABLE MINISTER, FEDERAL MINISTRY OF HOUSING AND URBAN DEVELOPMENT, ARC. AHMED M. DANGIWA FNIA, FCIB, AT THE OPENING CEREMONY OF THE 28TH CONFERENCE OF DIRECTORS OF LANDS IN THE FEDERAL AND STATE MINISTRIES, DEPARTMENTS AND AGENCIES HOLDING AT MARCELINA’S PLACE, IKEJA, LAGOS, ON 15TH - 16TH NOVEMBER 2023

PROTOCOLS:
1.    It is my pleasure to welcome you all to the 28th Conference of Directors of Lands in Federal and State Ministries, Departments and Agencies in Nigeria.
2.    As most of you are already aware, this Conference was conceived over 28 years as part of efforts to promote effective land administration in our country.  
3.    Each year the Conference provides a platform for Directors of Lands at Ministry of Housing and Urban Development, State Ministries, Departments and Agencies in Nigeria to gather, network, share experiences, discuss sector challenges to produce clear recommendations that border on promoting effective land administration in the country.
4.    The Conference objective remains noble, progressive, and relevant today, as it was back then when the Conference was conceived. So, as we begin this 2023 edition, the 28th one in a series, we must do so in full recognition of the current in-efficient and challenges-full state of land administration in our country today.
5.    To do this means asking ourselves some tough questions to bring us to reality and confronting the answers.
6.    First, can we say that the sum of annual gatherings and conversations over the close to three (3) decades of this conference are helping us make progress in fixing the many issues in land administration in our dear country?
7.    How many of the issues that we discuss each year at this Conference end up tackled and solved? How many of the recommendations that the Conference produces end up implemented? Or are we simply moving around in circles and turning the conference into an annual bazaar of some sort. Do we even have a tracking mechanism to monitor whether we are making progress or not?
8.    We must confront these questions and be humbled by the answers. It is only by doing this reality check that we can find the inspiration, encouragement and resolve to work harder and differently in our respective offices as Directors and stakeholders towards achieving the noble goals with which this Conference was established.
9.    As the Minister of Housing and Urban Development, I must say that I am honestly not happy with the current state of land administration in the country. And the reasons are obvious. The same issues that were there decades ago are still there today with us today.
10.    This includes inadequate land information systems, complex land tenure systems, cumbersome and time-consuming land registration processes that contribute to delays and corruption in the system; the lack of a streamlined and transparent registration process that discourages investment and hinders economic development; inadequate urban planning which lead to informal settlements; congestion, and improper land use, inadequate legal and regulatory frameworks which results in legal uncertainties, making it difficult for individuals and businesses to navigate the land administration system with confidence. These are all problems that we all must fix. No one will do it for us.
11.    I must acknowledge that some of these problems are beyond the capacity of the Conference and Directors to resolve. Indeed, the most fundamental ones such as the Land Use Act 1978 require legislative amendments and national government policy interventions. However, there is a lot of room for innovation to circumvent the limitations posed by some of these barriers. We have seen in States such as Kaduna, Kano, where innovative leaders have found ways to implement reforms that have helped them ease land administration by introducing efficiencies in land titling and property registration despite the limitations of the Land Use Act. These states deserve our commendation.
12.    And my charge to all of you attending this 2023 Conference is that we must do likewise. We must think out of the box, innovate, and learn to do things differently. That will help us make progress and change the narrative going forward.
13.    The theme of this year’s Conference — "Improving Land-Based Revenue of the Federating Units in Nigeria through Efficient and Effective Land Administration" — speaks directly to the core of our national progress.
14.    As you are all aware, land, is an economic resource that holds immense potential for revenue generation and sustainable development. However, to harness this potential, we must address the challenges within our land administration systems and strive for efficiency and effectiveness.
15.        I am happy to inform you that His Excellency, President Bola Ahmed Tinubu, GCFR, is set to tackle the systemic challenges that have hindered effective land administration. Mr. President has a bold vision for the sector and is committed to backing it up with the necessary political will to break down all barriers to unlock the revenue earning potential of land.
16.    As the Minister of Housing and Urban Development, we have taken Mr. President’s vision and are running with it. Our aim is to implement the most historic land reforms the country has ever witnessed to make it easier, safer, and more profitable for the private sector to invest in the sector and make good returns.
17.    A notable part of our broad housing sector reforms includes the implementation of comprehensive land reforms towards streamlining land administration and ensuring easy, cost effective and efficient access to land in our country.
18.    Currently, we have a situation where the Land Use Act was enacted in 1978 but there was no complementary institution set up alongside it to provide the necessary framework, guidelines, and regulations for operationalizing it. We are working to establish a National Land Commission that would fix this gap and chart a new way forward for effective land administration in the country.
19.    This will improve land titling and boost Nigeria’s ranking on the World Bank Ease of Doing Business where we currently rank 186th out of 190 countries on the World Bank Ease of Doing Business index in terms of ease of registering properties. Last week I met with the leadership of the Presidential Technical Committee on Land Reforms, Prof. Peter O. Adeniyi, where we agreed to incorporate the extensive work that 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. It will also help to boost revenues that States and Federal Government can earn from land.
20.    The second related reform is the nationwide adoption of the Model Mortgage Foreclosure Law. The Model Mortgage Foreclosure Law (MMFL) is a housing industry stakeholder initiative and part of the Renewed Hope Agenda of His Excellency President Bola Ahmed Tinubu, GCFR that is focused on establishing an enabling environment for investment in real estate and the growth of mortgages in a state. It 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.
21.    As of date, the Model Mortgage Foreclosure Law (MMFL) has been passed in 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.
22.    The Federal Ministry of Housing and Urban Development, through the Lands and Housing Development Departments, made great strides in improving land-based revenue generation for the Federal Government by way of income from fees charged on both primary and secondary transactions. These are statutory fees demanded for use of Federal Government lands.
23.    As you deliberate on land and land related issues for the next two days, I urge you to critically examine measures that you can act on in the interim such issues as digitization of land titling process to improve ease of doing business, fostering synergy between public and private investors in housing delivery, checking the trend of double titling and multiple charges on Federal Government properties in the states, all of which is aimed at improving land based revenue in the tiers of government. At the end of your deliberations, it is hoped that you will come up with meaningful and workable solution to most of the problems confronting land administration and management at the various tiers of Government.
24.    Knowing fully well that the outcome of this conference will form part of input/proposals to the National Council on Lands and Housing to be held next year. It is, therefore, with all seriousness of purpose that I enjoin you to be sincere and meticulous in your deliberations, putting the interests of the Country and complexity of interests in land in focus, in addressing issues hindering efficient land administration and management in Nigeria with a view to improving land-based revenue for sustainable development in the country.
25.    On this note, it is now my special pleasure and privilege to declare the 28th Conference of Directors of Lands in Federal and State Ministries, Departments and Agencies open.
26.    Thank you and may God bless Nigeria.

Nov

13

2023

FG To Assist Vulnerable Nigerians Own Houses - Perm Sec

Permanent Secretary, Federal Ministry of Works and Housing, Mahmuda Mamman, has disclosed the intention of the federal government to assist vulnerable Nigerians own houses.

Mamman made this disclosure while fielding questions from journalists, on the first day of the 12th meeting of the National Council on Housing and Urban Development taking place in Kaduna State.

The theme for the 12th council meeting is “Harnessing Local and International Credit Schemes as a Panacea for Affordable Housing Infrastructure Development Under the "Renewed Hope Agenda. "

The Permanent Secretary said, " The National Housing Scheme Programme by the ministry would assist the vulnerable population of the country to afford a roof over their heads and this would in turn bridge the gaps in the housing sector."

He further explained that the housing ministry intends to go for social housing schemes to provide decent and affordable houses to cater to the housing needs of Nigerians, saying that it was part of the efforts to realize the ambition and also in line with the Renewed Hope Agenda of President Bola Ahmed Tinubu.

Accordingly, the Permanent Secretary stated that deliberations at the housing council meeting which commenced today would figure out ways the state governments can queue into the scheme.

“We have written letters to the various state governments asking them to give us unencumbered lands so that we can be able to build these affordable houses for all Nigerians because it is a matter of right and not a privilege, that is why this administration is doing things differently”, he added.

He also mentioned that an ongoing survey being conducted by the National Population Commission would ascertain the accurate figure of housing deficit in the Nation, and the figures would be made known upon completion of the survey.

Earlier in his welcome address, the Permanent Secretary, Kaduna state ministry of housing and urban development, Rabi’u Yunusa, informed the meeting that government of Kaduna State was working on a programme that would provide affordable social mass housing which would accommodate 1000 houses in the rural areas and 300 houses in the Urban areas, across the 23 local government areas of the state.

Yunusa further revealed that the state has attracted a Qatari charity organization to provide 500 housing units for the most vulnerable people in the state, while also assuring that the State government was poised to build 10,000 units of houses in the next four years.

In his introductory remarks, Director Planning, Research and Statistics, Federal Ministry of Housing and Urban Development, Kolapo Raheem explained that the theme for the 12th National Council of Housing was chosen in consideration of the alarming need to galvanize domestic and foreign funds towards meeting the nation’s housing challenges, as well as the enhancement of the country’s overall economic growth and development.

He further urged the participants to explicate their professionalism in the deliberations so as to guide policy formulation that will facilitate affordable housing delivery.

Nov

10

2023

WELCOME ADDRESS BY THE HON. MINISTER OF HOUSING AND URBAN DEVELOPMENT, ARC. AHMED DANGIWA, DURING A MEETING WITH THE PRESIDENTIAL TECHNICAL COMMITTEE ON LAND REFORMS AT THE MINISTRY’S HEAD OFFICE IN ABUJA ON FRIDAY, NOVEMBER 10, 2023

Protocols:
1.    It is my pleasure to welcome the Chairman of the Presidential Technical Committee on Land Reform, Prof. Peter O. Adeniyi, and other distinguished members of the Committee to this very important meeting.
2.    We initiated the engagement with the Presidential Technical Committee on Land Reforms that has led to today’s meeting as part of our stakeholder engagements towards ensuring that we avail ourselves of all relevant knowledge, resources, and inputs from efforts made by previous governments over time to fix the challenges with land administration in our country.
3.    This is because we acknowledge that past governments set up teams, committees, and working groups and land administration comprising industry experts and stakeholders. These have produced several blueprints for solving this problem, with the only thing lacking being the political will to get the job done, by following through and implementing the recommendations.
4.    Under the leadership of His Excellency, President Bola Ahmed Tinubu, GCFR, we now have that political will, and at the Ministry of Housing and Urban Development, we are committed to ensuring that we use it optimally to break the jinx of land administration in our country.
5.    As you are all aware, the review of the Land Use Act 1973 is a top priority under the Renewed Hope Agenda of Mr. President for Housing and Urban Development. This is because land is the foundation of the housing delivery process, requiring governing laws that ensure its availability, accessibility, efficient use, transferability, and convertibility.
6.    Currently, key Statistics on Nigeria’s Land Administration show that:
a.    Nigeria ranks 186th out of 190 countries on the World Bank Ease of Doing Business index in terms of ease of registering properties.
b.    The land administration system across several metrics includes an average of 12 procedures and 92 days to register landed properties, costing up to 11% of the property value.
c.    Nigeria has a score of 8 out of 30 in terms of the quality of land administration. About 97% of land is unregistered but traded regularly.
d.    According to PWC, Nigeria has $300bn in dead capital. This means that streamlining land administration will unlock the potential of land as an economic resource and a catalyst for economic growth, helping to lift millions of Nigerians out of poverty.
7.    We understand and believe that your Committee has done extensive work on the review of the Land Use Act and come up with several recommendations. That is why we requested that you come and brief us so that we are properly guided in our strategy to actualize Mr. President’s goal to fix this long-standing issue.
8.    Once again, I welcome you all, and I look forward to a fruitful meeting.

Nov

02

2023

Ministry of Housing and Urban Development Targets Increased Private Sector Investment for Effective Housing Delivery

The Federal Ministry of Housing and Urban Development has reiterated the need for increased private sector investment in the housing and urban sector in a bid to better deliver on the Renewed Hope mandate. Delivering the Keynote address during the 2023 Urban October event held at the Conference Hall of the Federal Ministry of Works on Tuesday 31st October 2023, Hon. Minister of State for Housing and Urban Development, Engr Abdullahi Tijjani Gwarzo noted that the challenges in the sector are huge and requires increased public-private collaboration to address.

Engr Gwarzo acknowledged the impact of rapid urbanisation on development, noting that urban dwellers now account for more than 50% of Nigeria’s population and are expected to increase to 60% by 2030, thereby requiring adequate preparations in the form of urban planning and management to cater to the expected upsurge of population in towns and cities. “We must build the needed resilience and innovations to absorb the expected shocks. As the world builds and consolidates the foundation of the New Urban Agenda, urgent steps are required to rectify past imperfections by recognizing fully that development is an evolutionary assignment that cannot be entirely resolved by one agency acting alone.

“We envisage an urban future where economic growth and prosperity proceed with equity; one where human exploitation of the natural environment is carried on sustainably; and one where poverty and inequality are attenuated by strong human centred policies,” he said. The Minister of State further recognised the lack of sustainable development financing which is required to achieve the SDGs, including eradicating poverty, and addressing climate change and pollution, noting that government alone cannot handle financing for housing and urban development.

“The Ministry intends to leverage multi-stakeholders and institutional engagements and collaborations to actualise the provision of adequate and affordable housing in both urban and rural areas in secure, healthy, and decent environments for all Nigerians. That is our primary mandate and is one of the cardinal focuses of the present administration’s Renewed Hope Agenda. We, therefore, call for private sector investments in the sector by leveraging on the Ministry’s Public-Private Partnership (PPP) arrangement already in place to mobilise financing for affordable housing and urban development. We equally welcome international development partners and other stakeholders’ collaboration in this regard,” Gwarzo added.

 
Urban October is marked to commemorate the World Habitat Day and World Cities Day, both celebrated in October. Tuesday’s event was heralded by streamed remarks by the UN Secretary-General, Antonio Guterres and the UN-Habitat Executive Director, Maimunah Mohd Sharif. It also featured addresses by heads of federal housing agencies like the Federal Mortgage Bank of Nigeria (FMBN), Madu Hamman and Federal Housing Authority (FHA), Sen. Gbenga Ashafa. Also present were the President of the Nigerian Institute of Town Planners, Nathaniel Atebije; and representatives of Shelter Afrique Development Bank, and the Millard Fuller Foundation.

The Ministry adopted the global themes; “Resilient Urban Economies: Cities as Drivers of Growth and Recovery” and “Financing Sustainable Urban Future for All”, in solidarity with UN-Habitat and other organisations at the forefront of urban advocacies. Engr Gwarzo noted that while the government may not have sufficient financing to address the challenges of housing and urbanisation, efforts are already in place to create the enabling environment for private sector investments, including addressing the challenges of land administration, unbundling the titling processes, generating credible data to aid planning, and establishing Building Materials Manufacturing Hubs across the nation.

Earlier in his goodwill message, the FHA Managing Director called for an inclusive approach to ensure that resolutions reached at the event will be implemented in a synergised manner. “The time is now for us to make our environment more habitable, secure and environmentally sustainable. The recent development in our nation’s housing industry has clearly shown that we have a federal government that has a clearly defined blueprint that is in tandem with the policies of the UN-Habitat. Efforts must be made to build new cities and regenerate old ones. Through this, not only will we provide houses to our people, we will also deliver more liveable and secure environment to them,” he said.

Oct

24

2023

Ministry of Housing and Urban Development, IFC Agree to Partner on Reforms and Affordable Housing Delivery in Nigeria

•    Sets up Technical Committee to Develop Framework for Comprehensive Partnership Agreement

The Ministry of Housing and Urban Development and the International Finance Corporation (IFC) have agreed to deepen collaboration towards the successful implementation of the Renewed Hope Action Plan for Housing and Urban Development in Nigeria. The Ministry’s Plan comprises housing reforms and initiatives which aim to deliver decent, affordable, and quality housing to Nigerians across all income segments.

This was revealed during a courtesy visit by a delegation from the IFC, led by Dr. Dahlia Khalifa - Regional Director, Central Africa and Anglophone West Africa, to the Minister at the ministry’s headquarters in Abuja on Tuesday 24th October 2023,

Represented by the Minister of State, Alhaji Abdullahi Tijjani Gwarzo, Arc. Ahmed Musa Dangiwa underscored the important work of the IFC in providing funding for developmental projects across Africa but noted that Nigeria was yet to maximise its partnership with the body, especially in the area of housing and urban development.

“I am aware that the ministry has had several interactions and engagements with the IFC in the past. However, it seems that we have not maximized our partnership with the IFC to empower private developers and the ministry to deliver at significant scale decent and affordable housing to Nigerians. Upon reviewing your 2023 Annual Report, I noticed that the IFC has committed over $128.3 billion in loans, grants, investments, and guarantees to partner countries and private businesses. In Sub-Saharan Africa, the report indicates that the IFC committed over $38.6 billion. What remains unclear to me is the specific amount of this investment that flowed into Nigeria, both for the country and private businesses” Dangiwa said.

He noted that the focus and priorities of the new government require an enhanced and expanded partnership with the IFC. “We are determined to realize the bold vision of His Excellency, President Bola Ahmed Tinubu’s Renewed Hope Agenda for housing and urban development. As the drivers of His Excellency’s vision at the Ministry, we are intent on implementing a Comprehensive Framework for the Reform of the Housing and Urban Sector in the country”, he noted.

Speaking further, the Minister reeled out the action plan of the ministry to include strengthening the institutional capacity of agencies under its supervision including the Federal Mortgage Bank of Nigeria (FMBN) and the Federal Housing Authority (FHA), increasing the supply of decent and affordable housing, establishing a National Social Housing Fund (NSHF), and implementing land reforms to enhance easy and cost-effective access to land. Others include establishing Building Materials Manufacturing Hubs across the country, implementing a Nationwide Urban Renewal and Slum Upgrading programme, as well as the development of New Cities that are integrated, inclusive using a demand driven strategy that will ensure prompt offtake of units built.

“At the end of this meeting, we would like the IFC and our team to work out a Structured Actionable framework that would see the Ministry and IFC sign a Comprehensive Partnership Agreement on Housing and Urban Development covering all areas of IFC's interventions related to housing and urban development. We would expect this agreement to state what the IFC can do to assist us in achieving our housing and urban development plans, as well as the Ministry's responsibilities”, he added.

Senior Country Manager of the IFC, Kalim Shah noted that housing is a major focus of the IFC across Africa where they service both the supply and demand sides of the industry. He said the purpose of the visit was to understand what the ministry is doing and see how the group can partner and support their efforts to enhance the delivery of affordable housing to Nigerians.

“We see some honest desire on the part of the new government to provide affordable housing to the people, and we’ve come as partners to see how we can support what you’re doing. As an arm of the World Bank, our focus is primarily on private sector investment, so we’re looking for areas where we can work with the ministry in line with your vision for decent and affordable housing solutions to Nigerians”, he said.

Also speaking, Senior Investment Officer, Public-Private Partnership of IFC, Alexander Leigh, said the corporation will be looking to engage more with the ministry in a bid to identify the specific needs that they have, so that they can provide solutions that are tailored to such needs. He added that the IFC considers factors like access to land and its administration, construction costs, the situation of beneficiaries to occupy the houses, and affordability in its dealings with countries, expressing optimism in the ministry’s efforts to address such issues.

The minister reiterated the ministry’s commitment to creating an enabling environment for the private sector to thrive. “Particularly, the Ministry, like the IFC, views the private sector as a key partner in our efforts to increase access to affordable housing for Nigerians. A key part of our strategy is to create an enabling environment for increased private-sector investment in housing and urban development. Therefore, we seek a partnership with the IFC that enables more of our private developers to access funding through IFC mechanisms. While we work towards an agreement, in the interim, we propose that our teams collaborate to develop modalities for a Ministry-sponsored Workshop. This workshop will facilitate a meeting between the IFC and our private developers to explain the procedures for accessing finance to drive their projects. In this new era, we want more Nigerian developers to access funding using the mechanism of the IFC,” he said.

He further assured the corporation of the ministry’s commitment to transparency and accountability in their dealings. “Our sole goal is to deliver on Mr. President’s objective of providing decent and quality accommodation to all Nigerians, especially the 80 percent falling within the medium and low segments. We aim to build livable communities and leverage the housing sector to lift 100 million Nigerians out of poverty”, he said.

Oct

23

2023

Ministry of Housing and Urban Development Engages Un-Habitat on Funding, Technical Support for Nationwide Urban Renewal and Slum Grading Projects

The Federal Ministry of Housing and Urban Development has expressed commitment to deepening partnership with the United Nations Human Settlements Programme (UN-Habitat) towards mobilizing multi-lateral funding and technical support for planned Nationwide Urban Renewal and Slum Upgrading Program under the Renewed Hope Agenda of the government. The program aims to improve living conditions in Nigeria’s urban areas and transform informal settlements into vibrant, integrated neighborhoods with access to essential services, while preventing the proliferation of slums.

Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa stated this during a meeting with a delegation of UN-Habitat, led by the Director, Regional Office for Africa, Oumar Sylla, at the Ministry’s headquarters on Thursday October 19, 2023 at the nation’s capital, Abuja.

The Minister observed that UN-Habitat’s new vision of “a better quality of life for all in an urbanizing world” aligns fully with the Renewed Hope Agenda of His Excellency President Bola Ahmed Tinubu, GCFR, for Housing and Sustainable Urban Development, and called on the body to support the bold plans of the ministry to increase access to decent, quality, and affordable housing for all Nigerians, including those that fall within the low and medium-income segments of the country.

“We are counting on UN-Habitat to continue to render its technical support to the ministry as the focal point for the implementation of Sustainable Development Goal 11, which aims to make our towns and cities safe, resilient, and sustainable.

“Additionally, we would like to seek UN-Habitat’s collaboration in advancing the SDGs. Specific areas include helping us to mobilise multilateral funding for our Urban Renewal and Slum Upgrading Programme and the New City Development Project”, he said.

Speaking further, Dangiwa appreciated UN-Habitat for assisting with the review of the National Urban Development Policy (NUDP) and assured of the ministry’s commitment to complete and adopt the document with the technical support of the organization.

He further called for deepened collaboration between the ministry and UN-Habitat, noting that the meeting should mark a new, bolder, innovative, and more impactful partnership between the two parties; one that will see the ministry explore all the potentials and capacities of UN-Habitat to help achieve the Renewed Hope Agenda of President Bola Ahmed Tinubu.

“I am impressed with your strategic plan for the period 2020-2023. In it, I see several points of intersection with the Renewed Hope Agenda of our government. This includes reduced spatial inequality and poverty in communities across the urban-rural continuum; enhanced shared prosperity of cities and regions; strengthened climate action and improved urban environment; as well as effective urban crisis prevention and response”, Dangiwa added.

Also discussed at the meeting was Nigeria’s $250,000 annual funding support to the UN-Habitat Support Office (UN-HAPSO) in Nigeria. The Minister assured the delegation of Nigeria’s commitment to fulfilling its obligations and has already set in motion the process to pay its statutory contribution to UN-Habitat, which was delayed due to the transition to a new administration in the country. He further stated that continued funding support to UN-Habitat’s office in Nigeria will reposition the office to adequately play its role in providing technical support services to housing and urban development stakeholders in the country.

The visit of UN-Habitat’s delegation comes as the ministry continues to unveil plans to make affordable homeownership accessible to more Nigerians, while also building sustainable cities and upgrading slums in the country. The intention of the ministry is to leverage the partnership with UN-Habitat to foster speedy and sustainable implementation of its plans for housing and urban development.

Arc. Dangiwa, therefore, called for series of future engagements with UN Habitat so that the activities and programmes mapped out in any future work plan will align with the priorities of the current administration of President Bola Ahmed Tinubu, GCFR, as mandated to the Federal Ministry of Housing and Urban Development.

Responding, Oumar Sylla, the leader of the delegation, assured the Honourable Minister that the 2023-2027 work plan of the UN-Habitat for the country will definitely be aligned with the priorities of the Renewed Hope Agenda of the current administration.

About UN Habitats:
The United Nations Human Settlements Programme (UN-Habitat) is mandated by the UN General Assembly to promote socially and environmentally sustainable towns and cities. UN-Habitat is the focal point for all urbanization and human settlement matters within the UN system.

UN-Habitat works with partners to build inclusive, safe, resilient, and sustainable cities and communities. UN-Habitat promotes urbanization as a positive transformative force for people and communities, reducing inequality, discrimination, and poverty.