


We are Now Fully Digital, No More Accepting Paper Memos – Belgore Following the launch of Electronic Content Management System (ECMS), the Ministry of Housing and Urban Development, is notifying both it's internal and external stakeholders that it has stopped accepting paper memos. The Permanent Secretary of the Ministry, Dr. Shuaib Belgore, has announced that the ministry will no longer accept memos, letters, or proposals submitted on paper. " With the ECMS now in place, it is expected to facilitate the routine office operations in the ministry, facilitate faster decision-making and timely access to relevant content by enhancing information accessibility, enable document tracking, ensure compliance with audit trails, and provide secure, remote access to documents" Dr Belgore explained The Head of the Information and Communication Technology (ICT) Department, Dr. Marcus Amiolemen, has also confirmed that staff members of the ministry have undergone training on the use of the ECMS, which was aimed at improving service delivery and operational efficiency across all departments. * Office of the Honourable Minister, Housing and Urban Development – hmregistry@fmhud.gov.ng The official launch of the Electronic Content Management System (ECMS) in the ministry, marks a significant step in its digital transformation.
The ministry's official ECMS email addresses for formal correspondences are:
* Office of the Honourable Minister of State for Housing and Urban Development – hmsregistry@fmhud.gov.ng
* Office of the Permanent Secretary – psregistry@fmhud.gov.ng
Dangiwa Backs AHCN’s Ambitious Plan for Nationwide Affordable Housing The Honourable Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa, has reaffirmed the Federal Government’s commitment to working closely with the Association of Housing Corporations of Nigeria (AHCN) to deliver affordable homes to millions of Nigerians. He described AHCN as a “critical partner” in driving nationwide housing delivery and pledged support for its landmark initiatives, including a proposed one million housing unit project across the country. Receiving the newly elected AHCN leadership during a courtesy visit to the Ministry’s headquarters in Abuja, Dangiwa lauded the Association’s nearly six decades of contribution to public housing development. He said its role as a coordinating platform for state housing corporations was central to achieving the ambitious goals of President Bola Ahmed Tinubu’s Renewed Hope Agenda for housing and urban development. “Since its formation in 1964, AHCN has been a cornerstone of public housing delivery in Nigeria,” the Minister said. “Today, we are pursuing the most ambitious housing programme in recent history, aimed at providing safe, decent, and affordable homes for millions of Nigerians. Our partnership with AHCN is key to unlocking serviced land, facilitating approvals, and ensuring that housing projects reach Nigerians in every state.” Dangiwa welcomed AHCN’s plans to leverage Nigeria-China Bilateral Trade funding to deliver one million homes nationwide, describing the initiative as “bold, transformative, and perfectly aligned with President Tinubu’s vision for mass housing delivery.” He also called for institutional renewal within AHCN, urging the leadership to embrace internal reforms, professionalism, and transparency to strengthen its effectiveness and credibility. “To truly lead the charge in public housing development, AHCN must set a high bar for integrity, adopt modern governance structures, and operate with full transparency to build confidence among Nigerians, investors, and development partners,” he stated. The Minister outlined three priority actions for AHCN: • Reinforcing alignment among state housing corporations to eliminate fragmentation, improve efficiency, and ensure better coordination nationwide. • Strengthening research and policy advocacy to provide reliable data and actionable proposals that will drive housing reforms at both state and federal levels. • Deepening partnerships with the private sector and development finance institutions to create bankable housing ventures capable of attracting large-scale investment. Dangiwa further requested AHCN’s strong involvement in the upcoming State-by-State Renewed Hope Homeownership and Housing Development Campaign, which he described as “a practical, high-impact initiative that will take federal housing reforms to the grassroots, empower citizens with the knowledge and access to financing they need, and ensure that national programmes translate into real homeownership opportunities in every state.” In his remarks, AHCN President and Chairman of Council, Esv. Eno I. Obongha, commended the Honourable Minister for his tireless efforts to reform the housing sector. He expressed the Association’s readiness to partner with the Ministry on the Renewed Hope Social Housing Estates Programme, aimed at delivering 100 housing units in each of Nigeria’s 774 Local Government Areas, and formally introduced Rev. Dr. Ugochukwu Chime as the newly elected Chairman of AHCN’s Board of Trustees. Rev. Dr. Chime praised Arc. Dangiwa’s transformative leadership of the housing sector, stating that the Minister’s bold reforms and nationwide initiatives have “set Nigeria on a new path towards accessible, affordable, and sustainable housing for all.” He pledged his full support in ensuring that AHCN serves as a key partner to the Minister in actualising the Renewed Hope Agenda for housing. As part of the visit, Arc. Dangiwa was decorated as the Grand Patron of AHCN, a recognition of his outstanding contributions to advancing Nigeria’s housing development agenda. The Honourable Minister congratulated the new leadership team and expressed optimism that this renewed partnership-anchored on reforms, professionalism, and a shared vision - would “unlock the full potential of state housing corporations and accelerate the drive towards delivering decent, affordable housing for all Nigerians.” ...
Dangiwa Urges Innovation In Affordanle Mortgage Finance, Charges FMBN To Scale Impact. The Honourable Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa, has called for bold, innovative solutions to tackle the affordability challenge in Nigeria’s housing market, emphasizing that millions of Nigerians still cannot access homeownership despite existing concessional mortgage products. Speaking at the Federal Mortgage Bank of Nigeria (FMBN) Day during the 19th Africa International Housing Show in Abuja, the Minister described affordability as the biggest barrier to homeownership, even in cases where housing units are available. He noted that while FMBN provides single-digit interest rate mortgages at 6% per annum, with tenors of up to 30 years and flexible repayment structures under the National Housing Fund (NHF) Scheme, many Nigerians, including long-standing NHF contributors, remain unable to access these products. “This is a reality we must face boldly. It requires fresh ideas, new partnerships, and innovative financing solutions beyond what we have done in the past,” Arc. Dangiwa said. The Minister commended FMBN’s recent milestones, including the provision of mortgages, rent-to-own products, home renovation loans, delivery of housing units, digital service improvements, and NHF refunds, but stressed that “progress is not the destination; it is the foundation to build upon.” Highlighting the Bank’s statutory mandate under the FMBN Act of 1993 to provide long-term credit to mortgage institutions, regulate the mortgage market, and administer the NHF sustainably, Dangiwa charged the Bank to intensify its efforts to make mortgages truly affordable for all Nigerians. He proposed additional measures to scale impact, including: • Government-backed subsidies or interest buy-downs to further reduce mortgage rates. • Flexible, income-based repayment models tailored to household realities. • Stronger partnerships with development finance institutions and capital markets to mobilize cheaper, long-term funds. • Specialized mortgage products for informal sector workers, who make up a significant portion of the population. Arc. Dangiwa also stressed the need for a nationwide awareness campaign to ensure that all NHF contributors understand and access their entitlements. He directed FMBN to play an active role in the planned Renewed Hope State-by-State Homeownership and Housing Development Campaign, working closely with governors to unlock land, structure bankable projects, and bring homeownership opportunities closer to citizens. “FMBN remains our strongest instrument for delivering affordable mortgage finance in Nigeria. Its mandate is clear, its progress commendable, but the affordability challenge is far from solved. We must push harder, innovate more, and stay focused on ensuring every hardworking Nigerian has a fair and realistic chance to own a home,” he stated. The Minister reaffirmed the Federal Government’s commitment under President Bola Ahmed Tinubu’s Renewed Hope Agenda for Housing and Urban Development to provide the enabling policies, reforms, and institutional support needed to strengthen FMBN as the backbone of Nigeria’s affordable housing finance system. ...
Housing Ministry Conducts Free Eye Screening For Staff * Initiative, a management responsibility, an important part of staff welfare - Belgore In a proactive move to enhance the well being and work place productivity of officers, Ministry of Housing and Urban Development, has organised a free eye screening exercise for staff of the Ministry, thursday 31st July, 2025. The screening was conducted in collaboration with the Nothernlight Eye Center, Abuja led by Dr. Justice Amadi. In his remarks, the Permanent Secretary Dr. Shuaib Belgore emphasized that the initiative was an important part of staff welfare, pointing out that the eyes medically, mirrors what happens in the body; “when they look into your eyes, they can see what is happening with your blood vessels all over the body”, he said. While he noted that eye diseases can indicate broader health issues, such as hypertension, diabetes and hepatitis, the Permanent Secretary mentioned that the Ministry would also conduct free comprehensive screenings in those health areas in time to come, stressing on the need for early detection and treatment. Dr. Belgore, who is also a medical doctor highlighted the high rate of sudden deaths in the country, and sought the cooperation of the staff with the Nothernlight Eye Center team, saying that it was the responsibility of the management of the Ministry to help staff find solutions to the diagnosis they would get. He clarified that eye disorders were not just about refractive errors that require the use of glasses but also include serious conditions like glaucoma, which can lead to blindness if untreated. While stressing that the aim of the exercise was for prevention and early intervention to maintain eye health and quality of life, he charged the Directors and members of staff to take the screening as an opportunity to detect issues with their eyes, as well as take advantage of interventions by the management. Dr. Belgore further informed of the availability of additional free surgical assistance for eye disorders like cataracts and glaucoma by the eye Center; " We are a ministry with a very large number of staff. We're not selecting some to benefit, we want everybody, to be part of this”, Belgore said. Earlier, the Director of the Human Resource Management, Dr. Akinola Adesina, informed that it was part of the eye center’s social responsibility to conduct the free eye screening for the staff of the Ministry. He thanked the Permanent Secretary for approving the exercise even with his presence, to ensure that staff with eye challenges get interventions. On his part, the team leader of the Northernlight Eye Center, Dr. Justice Amadi, stated that the free eye screening programme was part of ways to tackle the growing concerns of visual impairments. He informed that the programme aims to detect those with visual abnormalities and provide appropriate treatment to align with the World Health Organization goals, particularly the 2025 target of preventing blindness. Dr. Amadi also noted that their focus was on diagnosing and giving effective treatment plans to various eye conditions, including cancer, glaucoma, age-related macular degeneration, and refractive errors. ...
Minister Of State Works And Housing Sympathizes With Traders Over Potiskum Market Fire
The Minister of State for Works and Housing, Engineer Abubakar D. Aliyu, has sympathized with traders who lost their goods at the Saturday fire that razed most parts of the Potiskum Central Market in Yobe State.
The minister, in a statement on Sunday, extended his heartfelt sympathy to all the traders affected by the fire incident, praying to Almighty Allah (SWT) to replace their monumental loss.
The Potiskum market fire occurred on March 6, 2021, and razed down shops majorly around Layin Masko, thereby destroying goods worth millions of naira, according to eye witnesses.
Engineer Aliyu said: “It is with heavy heart that I extend my sympathy to the traders of Potiskum Central Market who lost their property in the tragic fire incident that occurred Saturday night, March 6, 2021.
“I prayed to Almighty Allah (SWT) to console the traders who lost multi-million naira goods in the tragedy. I also prayed to Almighty Allah to replenish their wealth once again.”
The minister said the tragedy has not affected only the traders who lost their property, but the entire good people of Potiskum and Yobe state in general.
Yobe to Remain APC State - Minister
Minister of State for Works and Housing, Engineer Abubakar Aliyu, has said that the ongoing All Progressive Congress (APC) Party revalidation exercise would boost the party's chance of winning election both at National, State as well as Local Government levels.
The Minister stated this in Potiskum over the weekend after he revalidated his APC membership. He said that the exercise was a great opportunity for new members to join the great party which he described as a moving ship.
He called on all party stakeholders in the state to come out enmass not only to revalidate their membership, but also to campaign for the great party in the forth coming elections.
"Our Party is a moving ship, the Captain of the ship is President Muhammadu Buhari, GCFR and the Executive Governor of our great State is the National Party Chairman, so I see no reason why the state will not remain APC State," he said.
Speaking further, Abubabar said that it was pay back time for the state as the President had delivered on his campaign promises to Yobe State with the massive road projects that were ongoing and these projects had reached appreciable level of completion. "So do not only register, register and campaign for others to join the party".
Engr Aliyu also charged existing members of the party to be good ambassador of the Party by being of good character and show love to others as this would encourage other people to join the great party APC.
Present at the validation exercise were critical stakeholders of APC in the State. The State Chairman of the Party, Alhaji Adami Abdul Chilariye and Chairman of APC (Potiskum), Bala Miss.
Also in attendance were, the Ward Chairman, Alhaji Iselu Tela, the Deputy Speaker of Yobe State House of Assembly, Honourable Anwalu Isa Bello and other stakeholders.
Keynote Address Delivered by The Honourable Minister, Federal Ministry of Housing and Urban Development, at The 13th Meeting of The National Council on Lands, Housing and Urban Development, Holding in Gombe, Gombe State, On 11th To 15th November 2024.
Protocols
Distinguished Ladies and Gentlemen,
It is my pleasure to deliver the KeyNote Address at this 13th edition of the National Council on Lands, Housing and Urban Development holding here in Gombe State, the “Jewel of the Savannah”.
I want to sincerely thank His Excellency, the Executive Governor of Gombe State, my dear brother and friend, Alh. Muhammadu Inuwa Yahaya, for graciously accepting to host this year’s Council Meeting and for the warm hospitality that the State has provided for all participants. Thank you, Your Excellency.
I also want to express our profound gratitude to the Distinguished Members of the Senate and House Committees that oversight the Ministry. The Chairman, Senate Committee on Lands, Housing and Urban Development, Senator Sen. Aminu Tambuwal, Chairman; House Committee on Housing and Habitat, Hon. Abdulmumin Jibrin and Chairman, House Committee on Urban Development and Regional Planning, Awaji-Inombek Abiante, I sincerely thank you all for your continual Legislative support for the development of the Housing and Urban Development Sector in Nigeria.
My appreciation goes out to Participants, Thought Leaders and Advocates for their support and expertise towards actualizing the objectives and strategies for the Sector. I thank you all for your efforts and contributions.
At the last Council Meeting in Kaduna last year November, my first Council Meeting as the Hon. Minister of Housing and Urban Development, I said that under the Renewed Hope Agenda of His Excellency President Bola Ahmed Tinubu, GCFR, we are intent on making a major and history defining difference in land administration, housing delivery and management of our urban spaces. I stated clearly that Mr. President is not happy with the state of things in the sector and the very poor progress that we have made in unleashing the capacity of the sector for economic and national development.
I went on to outline the Ministry’s Action Plan and the Key Prioritities of the Renewed Hope Agenda for the sector. This included increasing housing supply to meet the housing shortage, implementing comprehensive land reforms to ease access to land, reforming federal housing institutions including Federal Mortgage Bank of Nigeria and Federal Housing Authority. We also said we would work to establish a National Social Housing Fund to meet the housing needs of no-income, low income and underprivileged Nigerians. Furthermore was the establishment of Building Materials Manufacturing Hubs, one in each geo-political zone of the country to lower the cost of building materials, create local jobs and lower the cost of housing delivery amongst others.
DRIVING ADEQUATE AND AFFORDABLE HOUSING
It has been over a year, and I am happy to report that we are making steady progress. Under the Renewed Hope Cities and Estates Programme, we currently have construction underway at fourteen sites, comprising a total of 10,112 housing units. This includes 250-unit Renewed Hope Estates with 1, 2, and 3-bedroom semi-detached bungalows in Yobe, Gombe (NE); Nasarawa, Benue (North Central); Sokoto, Katsina (North West); Abia, Ebonyi (South East); Delta, and Akwa Ibom (South South). Additionally, we have ongoing work at the 3,112-unit Renewed Hope City in the FCT, the 2,000-unit Renewed Hope City in Kano, and another 2,000-unit Renewed Hope City in Lagos. A significant number of these units are at the roofing stage, and we look forward to their completion and commissioning.
We have also acquired land in Enugu and Borno for the development of 2,000-unit Renewed Hope Cities under a PPP arrangement. Planned locations for additional cities include Nasarawa (2,000 units) and Rivers (2,000 units). Our goal is to establish at least one Renewed Hope City in each geo-political zone and the FCT.
To fully appreciate the progress we have made over the past year, it’s essential to establish context. Before the Renewed Hope Agenda, the Ministry had initiated only about 8,000 housing units under the National Housing Programme, with only 3,000 completed over eight years. In one year, under the Renewed Hope Agenda of His Excellency, President Bola Ahmed Tinubu, we are on track to surpass this 8-year performance. Let us give a resounding applause to Mr. President for his vision, the National Assembly for its support, the Ministry’s management and staff, and our partners for this progress.
While it’s worthwhile to acknowledge our achievements, we must remember that we are only scratching the surface. The housing deficit in Nigeria is vast. We need to build approximately 550,000 units annually over the next decade to close this gap. This would require about N5.5 trillion per annum, yet our annual budget for housing remains below N100 billion. This shortfall is why we have embraced Public-Private Partnerships (PPPs) with reputable developers to help deliver housing at the necessary scale. However, PPPs alone cannot deliver affordable housing for the majority of Nigerians, given that the high costs of private-sector construction financing drive up prices.
For instance, a one-bedroom apartment at the Renewed Hope City in Karsana, built under PPP, costs about N22 million, whereas the same one-bedroom unit under the Renewed Hope Estates, funded through budgetary allocations, costs approximately N8-9 million. The difference lies in the cost of finance. Under the Renewed Hope City, developers purchase the land, secure financing at double-digit interest rates, and the FMBN provides a Bankable Offtaker Guarantee. For Renewed Hope Estates, the funds are interest-free from budget allocations, state governments provide free land, and infrastructure costs are not included in unit pricing. Although we introduced cross-subsidies, only a few people will benefit, as developers must sell the majority of units at market rates to recover their investment and repay lenders with interest.
Some may ask why we continue to embrace PPPs. We do so because, as a government, we have a duty to all Nigerians. Our goal is to provide quality housing for all income levels. PPP Renewed Hope Cities target high- to middle-income earners who can afford these prices, while the Renewed Hope Estates serve lower-income segments. In this way, there is something on offer for all categories of Nigerians.
Despite our efforts with PPPs, government financing in housing should increase. The current sub-N100 billion annual budget for housing is inadequate compared to the N5.5 trillion required annually to address our housing deficit. Housing investment fuels economic growth, job creation, and poverty alleviation. For example, constructing the 10,112 units underway nationwide has created over 252,800 jobs for skilled and unskilled workers, with an average of 25 jobs per home. Workers, such as plumbers, masons, and laborers, earn an average of about N150,000 per month with a daily wage of N5,000, in addition to economic activities around the sites. Moreover, an investment of N100 billion in housing construction returns over 80% of that amount to the government through unit sales.
Therefore, we have engaged the National Assembly leadership and received their support for increasing the annual housing budget to a minimum of N500 billion, starting with the 2025 budget cycle. This would allow us to expand housing projects to cover the remaining 18 states and increase the unit count per state from 250 to at least 500, as initially planned. Such an expansion would create more jobs, combat poverty, engage our youth, and prevent them from falling prey to violence or criminal activities. Let us give the National Assembly Leadership a standing ovation for their understanding and support towards tackling this national problem.
The Ministry has signed a Housing Development Partnership with the Shelter Afrique Development (ShafDB). Under the Partnership, the Bank will support the Renewed Hope Housing Program with Advisory Services and financing of competent Developers for an initial pilot programme for the development of 5,000 housing units.
Adding these Ministry-led housing projects to those by agencies such as the Federal Mortgage Bank of Nigeria and the Federal Housing Authority would significantly boost the supply of decent, affordable housing to meet Nigeria’s shelter needs.
We recently returned from the 12th World Urban Forum in Cairo, Egypt. What we observed there was inspiring and should motivate us as a nation to do more. The Egyptian government is constructing a New Cairo City, an urban development estimated at 500 billion Egyptian Pounds (around $10.6 billion). This includes massive housing, road construction, shopping malls, rail systems, and more. While part of the funding comes from entities like the World Bank and IFC, a significant portion is government-sourced through the Administrative Capital for Urban Development (ACUD), the overseeing authority.
We also met with India’s Housing Minister, who shared that India has built over 1 million housing units entirely through government funding.
We noted similar large-scale, government-funded housing efforts in South Africa and other African nations.
The message is clear: while we will continue to drive PPPs, our government needs to do more to finance affordable and social housing for our citizens.
This call extends beyond the federal government. I urge all Commissioners here to encourage their state and local governments to allocate a substantial portion of their revenues to affordable housing delivery while exploring PPPs.
FORGING EFFECTIVE LAND ADMINISTRATION
Besides housing supply, we are also making progress in improving the land administration system in our country as we promised. Effective land governance is important to national and economic development in Nigeria. By ensuring clarity, security, and accessibility in land ownership and transactions, we lay the foundation for increased investment, both domestic and international. Transparent land administration enhances property rights, reduces conflicts, and encourages sustainable land use practices, which together foster a stable environment for economic activities. Furthermore, efficient land governance unlocks revenue opportunities for both federal and state governments through improved land-based taxes and encourages private sector participation in real estate and infrastructure development. These efforts collectively accelerate economic growth, create jobs, and contribute to our broader goals of social equity and inclusive urban development across Nigeria.
Last month, at the 2024 National Technical Development Forum on Land Administration, we launched a new framework for fair and equitable compensation rates for crops and economic trees, ensuring adequate recompense for persons affected by government projects. This initiative, developed with support from the World Bank and the Rural Access and Agricultural Marketing Programme (RAAMP), was validated by forum participants. The last review of these rates was conducted 18 years ago.
23. For example under the revised rates for matured trees in the North Central Zone:
i. Cashew: increased from N2,000 per matured stand to N45,000 and N5.5M for a hectare.
ii. Mango: increased from N4,000 per matured stand to N105,000 and N13M per hectare.
iii. Cocoa: increased from N3,000 per matured stand to N160,000 and N160M per hectare.
Now, Project Affected Persons will receive compensation that reflects current economic realities.
We are also initiating a groundbreaking partnership between the Ministry of Housing and Urban Development and the World Bank to tackle Nigeria’s long-standing land registration challenges. Currently, over 90% of the country’s land remains unregistered, representing an estimated $300 billion in untapped capital.
This partnership aims to work with State Governments to register, document, and title all land parcels, clarifying and securing land ownership to unlock development and investment potential. Through this program, we intend to establish a National Digital Land Information System (NDLIS) to streamline land transactions, making them more efficient, transparent, and accessible. This initiative will boost economic activity and enhance property rights protection, with a goal of increasing formal land transactions from less than 10% to over 50% within a decade. As you are aware we have over 300billion dollars in dead capital because land is not titled and our people cannot leverage land as an economic asset to get loans for their businesses or other investment purposes.
The Federal Ministry of Housing and Urban Development and the World Bank are finalizing the operational framework and investment commitment for this initiative.
Distinguished Ladies and Gentlement, you may recall that last year, we formed a Land Reforms Task Team to review, audit, and devise approaches to operationalize the Land Use Act. The task team has prepared a preliminary report that highlights the need to establish a National Land Commission as a starting point for implementing the Land Use Act and coordinating state land registries.
We have also enhanced the Electronic Certificate of Occupancy (e-C of O) and Land Titling System for all federal government-owned lands across Nigeria's 36 states. This system streamlines the review, approval, and issuance of Certificates of Occupancy, significantly reducing administrative delays for federal land applications.
From fewer than six e-C of Os previously signed, I have, over the past few months, digitally signed over 1,000. As of October 2024, we have approved 417 C of O applications and received 1,079 applications. Our goal is to clear the backlog by the end of December.
SUSTAINABLE URBAN AND REGIONAL DEVELOPMENT DRIVE
Distinguished members of the Council, as we chart the course for urban development in Nigeria, we must grasp the scale of our urban growth and the profound challenges it brings. Nigeria’s urban population is expanding rapidly, driven by an annual growth rate of 4.1%. From just 9.4% in 1950, our urban population now exceeds 52%, with projections indicating a rise to 70% by 2050. By then, Nigeria will likely be the world’s third most populous country, with over 400 million people.
This expansion spans all six geo-political zones, where cities grow at unprecedented rates. Today, we have eight cities with populations above one million and 81 cities with populations between 100,000 and one million. Yet this rapid growth comes with pressing challenges. Approximately 58.8% of our urban residents live in slum conditions, with a national housing deficit of 16-18 million units. Infrastructure is inadequate, and many lack secure land tenure.
Addressing these complex issues requires strategic planning and innovation, which the National Urban Development Policy (NUDP) which is pending approval of the Federal Executive Council aims to deliver. Our goal is to provide a framework that guides long-term, sustainable urban growth, addressing not only housing and infrastructure needs but also creating the foundation for economically vibrant, climate-resilient, and inclusive cities.
The NUDP's vision is clear: to transform Nigeria’s cities into well-functioning, prosperous, resilient, secure, and livable spaces for all. Achieving this vision demands a 'Business Unusual' approach, one that replaces 'Urban Pessimism' with 'Urban Optimism.' This means embracing high-density urban development over sprawl, safeguarding agricultural land and resources, and adopting integrated, evidence-based urban policies.
Our approach includes:
1. Raising public awareness of the potential and challenges of urbanization.
2. Instilling a sense of urgency and optimism among stakeholders to implement sustainable urban strategies.
3. Providing strategic leadership to drive meaningful, short-term gains.
4. Empowering citizens to co-create and sustain this vision.
The NUDP also promotes a 'Healthy Cities' concept, integrating environmental health with secure, resilient urban spaces. This involves essential services like waste management, water, sanitation, and local public health systems. As the recent pandemic has shown, resilience in city design is critical for public health and community well-being. Models like the '15-minute city'—where essential services are within walking distance—offer accessible, self-sufficient neighborhoods that promote health and connectivity.
The NUDP also prioritizes climate responsiveness. Climate change poses a severe threat, with impacts like drought, flooding, and extreme weather intensifying. Without adaptation, climate change could cost Nigeria between 6% and 30% of its GDP by 2050. Therefore, urban planning is a frontline defense in building climate resilience and economic security.
This vision aligns with global commitments, including the 2030 Agenda for Sustainable Development (SDG 11), the Paris Agreement, and the Sendai Framework for Disaster Risk Management. By localizing these goals, we can transform urban spaces to benefit all Nigerians and capture the 'Urban Dividend,' making our cities engines of opportunity, resilience, and well-being.
This is our path to sustainable urbanism, a future where Nigeria’s cities work for everyone, delivering economic, social, and environmental benefits for present and future generations alike.
But to do this we must all work together. Federal, State and Local Governments. We must discuss and collectively agree to drive these initiatives. We must stop working in silos and build synergies. At the twelfth World Urban Forum in Cairo, there was a strong emphasis on devolving the Global conversation on urbanization. We now have an Africa Urban Forum, the last held recently this year in Addis Ababa. At the Forum all African Member Countries, including Nigeria, agreed to organize Annual National Urban Forum in the declaration.
At this Council Meeting, I would therefore direct that in line with the Africa Urban Forum Declaration, we set in motion the process for the organization of an Annual National Urban Forum where we all meet to discuss Nigeria’s Urban Agenda.
In conclusion, as we meet and deliberate at this 13th edition of the National Council on Lands, Housing, and Urban Development, let us reaffirm our shared commitment to reshaping Nigeria’s housing, land, and urban development landscapes. The work we are undertaking is more than just policy—it’s about creating a brighter, more inclusive, and prosperous future for our nation.
I urge each one of you to carry the insights, ideas, and innovative strategies from this meeting back to your respective states and departments, actively advancing our goals for sustainable, affordable housing, effective land administration, and resilient urban spaces. Let us continue building on the progress we've made and work tirelessly to transform our vision of ‘Renewed Hope’ into reality for every Nigerian.
Together, we can foster cities that are economically vibrant, environmentally sustainable, and socially inclusive. The journey ahead requires our unity, our resolve, and our unwavering dedication to delivering real, lasting change.
Thank you, and may our collective efforts here in Gombe pave the way for a stronger, more dynamic Nigeria.
Long Live Nigeria
Long Live His Excellency, President Bola Ahmed Tinubu, GCFR
Keynote Address Delivered by The Honourable Minister, Federal Ministry of Housing and Urban Development, at The 13th Meeting of The National Council on Lands, Housing and Urban Development, Holding in Gombe, Gombe State, On 11th To 15th November 2024.
Protocols
Distinguished Ladies and Gentlemen,
It is my pleasure to deliver the KeyNote Address at this 13th edition of the National Council on Lands, Housing and Urban Development holding here in Gombe State, the “Jewel of the Savannah”.
I want to sincerely thank His Excellency, the Executive Governor of Gombe State, my dear brother and friend, Alh. Muhammadu Inuwa Yahaya, for graciously accepting to host this year’s Council Meeting and for the warm hospitality that the State has provided for all participants. Thank you, Your Excellency.
I also want to express our profound gratitude to the Distinguished Members of the Senate and House Committees that oversight the Ministry. The Chairman, Senate Committee on Lands, Housing and Urban Development, Senator Sen. Aminu Tambuwal, Chairman; House Committee on Housing and Habitat, Hon. Abdulmumin Jibrin and Chairman, House Committee on Urban Development and Regional Planning, Awaji-Inombek Abiante, I sincerely thank you all for your continual Legislative support for the development of the Housing and Urban Development Sector in Nigeria.
My appreciation goes out to Participants, Thought Leaders and Advocates for their support and expertise towards actualizing the objectives and strategies for the Sector. I thank you all for your efforts and contributions.
At the last Council Meeting in Kaduna last year November, my first Council Meeting as the Hon. Minister of Housing and Urban Development, I said that under the Renewed Hope Agenda of His Excellency President Bola Ahmed Tinubu, GCFR, we are intent on making a major and history defining difference in land administration, housing delivery and management of our urban spaces. I stated clearly that Mr. President is not happy with the state of things in the sector and the very poor progress that we have made in unleashing the capacity of the sector for economic and national development.
I went on to outline the Ministry’s Action Plan and the Key Prioritities of the Renewed Hope Agenda for the sector. This included increasing housing supply to meet the housing shortage, implementing comprehensive land reforms to ease access to land, reforming federal housing institutions including Federal Mortgage Bank of Nigeria and Federal Housing Authority. We also said we would work to establish a National Social Housing Fund to meet the housing needs of no-income, low income and underprivileged Nigerians. Furthermore was the establishment of Building Materials Manufacturing Hubs, one in each geo-political zone of the country to lower the cost of building materials, create local jobs and lower the cost of housing delivery amongst others.
DRIVING ADEQUATE AND AFFORDABLE HOUSING
It has been over a year, and I am happy to report that we are making steady progress. Under the Renewed Hope Cities and Estates Programme, we currently have construction underway at fourteen sites, comprising a total of 10,112 housing units. This includes 250-unit Renewed Hope Estates with 1, 2, and 3-bedroom semi-detached bungalows in Yobe, Gombe (NE); Nasarawa, Benue (North Central); Sokoto, Katsina (North West); Abia, Ebonyi (South East); Delta, and Akwa Ibom (South South). Additionally, we have ongoing work at the 3,112-unit Renewed Hope City in the FCT, the 2,000-unit Renewed Hope City in Kano, and another 2,000-unit Renewed Hope City in Lagos. A significant number of these units are at the roofing stage, and we look forward to their completion and commissioning.
We have also acquired land in Enugu and Borno for the development of 2,000-unit Renewed Hope Cities under a PPP arrangement. Planned locations for additional cities include Nasarawa (2,000 units) and Rivers (2,000 units). Our goal is to establish at least one Renewed Hope City in each geo-political zone and the FCT.
To fully appreciate the progress we have made over the past year, it’s essential to establish context. Before the Renewed Hope Agenda, the Ministry had initiated only about 8,000 housing units under the National Housing Programme, with only 3,000 completed over eight years. In one year, under the Renewed Hope Agenda of His Excellency, President Bola Ahmed Tinubu, we are on track to surpass this 8-year performance. Let us give a resounding applause to Mr. President for his vision, the National Assembly for its support, the Ministry’s management and staff, and our partners for this progress.
While it’s worthwhile to acknowledge our achievements, we must remember that we are only scratching the surface. The housing deficit in Nigeria is vast. We need to build approximately 550,000 units annually over the next decade to close this gap. This would require about N5.5 trillion per annum, yet our annual budget for housing remains below N100 billion. This shortfall is why we have embraced Public-Private Partnerships (PPPs) with reputable developers to help deliver housing at the necessary scale. However, PPPs alone cannot deliver affordable housing for the majority of Nigerians, given that the high costs of private-sector construction financing drive up prices.
For instance, a one-bedroom apartment at the Renewed Hope City in Karsana, built under PPP, costs about N22 million, whereas the same one-bedroom unit under the Renewed Hope Estates, funded through budgetary allocations, costs approximately N8-9 million. The difference lies in the cost of finance. Under the Renewed Hope City, developers purchase the land, secure financing at double-digit interest rates, and the FMBN provides a Bankable Offtaker Guarantee. For Renewed Hope Estates, the funds are interest-free from budget allocations, state governments provide free land, and infrastructure costs are not included in unit pricing. Although we introduced cross-subsidies, only a few people will benefit, as developers must sell the majority of units at market rates to recover their investment and repay lenders with interest.
Some may ask why we continue to embrace PPPs. We do so because, as a government, we have a duty to all Nigerians. Our goal is to provide quality housing for all income levels. PPP Renewed Hope Cities target high- to middle-income earners who can afford these prices, while the Renewed Hope Estates serve lower-income segments. In this way, there is something on offer for all categories of Nigerians.
Despite our efforts with PPPs, government financing in housing should increase. The current sub-N100 billion annual budget for housing is inadequate compared to the N5.5 trillion required annually to address our housing deficit. Housing investment fuels economic growth, job creation, and poverty alleviation. For example, constructing the 10,112 units underway nationwide has created over 252,800 jobs for skilled and unskilled workers, with an average of 25 jobs per home. Workers, such as plumbers, masons, and laborers, earn an average of about N150,000 per month with a daily wage of N5,000, in addition to economic activities around the sites. Moreover, an investment of N100 billion in housing construction returns over 80% of that amount to the government through unit sales.
Therefore, we have engaged the National Assembly leadership and received their support for increasing the annual housing budget to a minimum of N500 billion, starting with the 2025 budget cycle. This would allow us to expand housing projects to cover the remaining 18 states and increase the unit count per state from 250 to at least 500, as initially planned. Such an expansion would create more jobs, combat poverty, engage our youth, and prevent them from falling prey to violence or criminal activities. Let us give the National Assembly Leadership a standing ovation for their understanding and support towards tackling this national problem.
The Ministry has signed a Housing Development Partnership with the Shelter Afrique Development (ShafDB). Under the Partnership, the Bank will support the Renewed Hope Housing Program with Advisory Services and financing of competent Developers for an initial pilot programme for the development of 5,000 housing units.
Adding these Ministry-led housing projects to those by agencies such as the Federal Mortgage Bank of Nigeria and the Federal Housing Authority would significantly boost the supply of decent, affordable housing to meet Nigeria’s shelter needs.
We recently returned from the 12th World Urban Forum in Cairo, Egypt. What we observed there was inspiring and should motivate us as a nation to do more. The Egyptian government is constructing a New Cairo City, an urban development estimated at 500 billion Egyptian Pounds (around $10.6 billion). This includes massive housing, road construction, shopping malls, rail systems, and more. While part of the funding comes from entities like the World Bank and IFC, a significant portion is government-sourced through the Administrative Capital for Urban Development (ACUD), the overseeing authority.
We also met with India’s Housing Minister, who shared that India has built over 1 million housing units entirely through government funding.
We noted similar large-scale, government-funded housing efforts in South Africa and other African nations.
The message is clear: while we will continue to drive PPPs, our government needs to do more to finance affordable and social housing for our citizens.
This call extends beyond the federal government. I urge all Commissioners here to encourage their state and local governments to allocate a substantial portion of their revenues to affordable housing delivery while exploring PPPs.
FORGING EFFECTIVE LAND ADMINISTRATION
Besides housing supply, we are also making progress in improving the land administration system in our country as we promised. Effective land governance is important to national and economic development in Nigeria. By ensuring clarity, security, and accessibility in land ownership and transactions, we lay the foundation for increased investment, both domestic and international. Transparent land administration enhances property rights, reduces conflicts, and encourages sustainable land use practices, which together foster a stable environment for economic activities. Furthermore, efficient land governance unlocks revenue opportunities for both federal and state governments through improved land-based taxes and encourages private sector participation in real estate and infrastructure development. These efforts collectively accelerate economic growth, create jobs, and contribute to our broader goals of social equity and inclusive urban development across Nigeria.
Last month, at the 2024 National Technical Development Forum on Land Administration, we launched a new framework for fair and equitable compensation rates for crops and economic trees, ensuring adequate recompense for persons affected by government projects. This initiative, developed with support from the World Bank and the Rural Access and Agricultural Marketing Programme (RAAMP), was validated by forum participants. The last review of these rates was conducted 18 years ago.
23. For example under the revised rates for matured trees in the North Central Zone:
i. Cashew: increased from N2,000 per matured stand to N45,000 and N5.5M for a hectare.
ii. Mango: increased from N4,000 per matured stand to N105,000 and N13M per hectare.
iii. Cocoa: increased from N3,000 per matured stand to N160,000 and N160M per hectare.
Now, Project Affected Persons will receive compensation that reflects current economic realities.
We are also initiating a groundbreaking partnership between the Ministry of Housing and Urban Development and the World Bank to tackle Nigeria’s long-standing land registration challenges. Currently, over 90% of the country’s land remains unregistered, representing an estimated $300 billion in untapped capital.
This partnership aims to work with State Governments to register, document, and title all land parcels, clarifying and securing land ownership to unlock development and investment potential. Through this program, we intend to establish a National Digital Land Information System (NDLIS) to streamline land transactions, making them more efficient, transparent, and accessible. This initiative will boost economic activity and enhance property rights protection, with a goal of increasing formal land transactions from less than 10% to over 50% within a decade. As you are aware we have over 300billion dollars in dead capital because land is not titled and our people cannot leverage land as an economic asset to get loans for their businesses or other investment purposes.
The Federal Ministry of Housing and Urban Development and the World Bank are finalizing the operational framework and investment commitment for this initiative.
Distinguished Ladies and Gentlement, you may recall that last year, we formed a Land Reforms Task Team to review, audit, and devise approaches to operationalize the Land Use Act. The task team has prepared a preliminary report that highlights the need to establish a National Land Commission as a starting point for implementing the Land Use Act and coordinating state land registries.
We have also enhanced the Electronic Certificate of Occupancy (e-C of O) and Land Titling System for all federal government-owned lands across Nigeria's 36 states. This system streamlines the review, approval, and issuance of Certificates of Occupancy, significantly reducing administrative delays for federal land applications.
From fewer than six e-C of Os previously signed, I have, over the past few months, digitally signed over 1,000. As of October 2024, we have approved 417 C of O applications and received 1,079 applications. Our goal is to clear the backlog by the end of December.
SUSTAINABLE URBAN AND REGIONAL DEVELOPMENT DRIVE
Distinguished members of the Council, as we chart the course for urban development in Nigeria, we must grasp the scale of our urban growth and the profound challenges it brings. Nigeria’s urban population is expanding rapidly, driven by an annual growth rate of 4.1%. From just 9.4% in 1950, our urban population now exceeds 52%, with projections indicating a rise to 70% by 2050. By then, Nigeria will likely be the world’s third most populous country, with over 400 million people.
This expansion spans all six geo-political zones, where cities grow at unprecedented rates. Today, we have eight cities with populations above one million and 81 cities with populations between 100,000 and one million. Yet this rapid growth comes with pressing challenges. Approximately 58.8% of our urban residents live in slum conditions, with a national housing deficit of 16-18 million units. Infrastructure is inadequate, and many lack secure land tenure.
Addressing these complex issues requires strategic planning and innovation, which the National Urban Development Policy (NUDP) which is pending approval of the Federal Executive Council aims to deliver. Our goal is to provide a framework that guides long-term, sustainable urban growth, addressing not only housing and infrastructure needs but also creating the foundation for economically vibrant, climate-resilient, and inclusive cities.
The NUDP's vision is clear: to transform Nigeria’s cities into well-functioning, prosperous, resilient, secure, and livable spaces for all. Achieving this vision demands a 'Business Unusual' approach, one that replaces 'Urban Pessimism' with 'Urban Optimism.' This means embracing high-density urban development over sprawl, safeguarding agricultural land and resources, and adopting integrated, evidence-based urban policies.
Our approach includes:
1. Raising public awareness of the potential and challenges of urbanization.
2. Instilling a sense of urgency and optimism among stakeholders to implement sustainable urban strategies.
3. Providing strategic leadership to drive meaningful, short-term gains.
4. Empowering citizens to co-create and sustain this vision.
The NUDP also promotes a 'Healthy Cities' concept, integrating environmental health with secure, resilient urban spaces. This involves essential services like waste management, water, sanitation, and local public health systems. As the recent pandemic has shown, resilience in city design is critical for public health and community well-being. Models like the '15-minute city'—where essential services are within walking distance—offer accessible, self-sufficient neighborhoods that promote health and connectivity.
The NUDP also prioritizes climate responsiveness. Climate change poses a severe threat, with impacts like drought, flooding, and extreme weather intensifying. Without adaptation, climate change could cost Nigeria between 6% and 30% of its GDP by 2050. Therefore, urban planning is a frontline defense in building climate resilience and economic security.
This vision aligns with global commitments, including the 2030 Agenda for Sustainable Development (SDG 11), the Paris Agreement, and the Sendai Framework for Disaster Risk Management. By localizing these goals, we can transform urban spaces to benefit all Nigerians and capture the 'Urban Dividend,' making our cities engines of opportunity, resilience, and well-being.
This is our path to sustainable urbanism, a future where Nigeria’s cities work for everyone, delivering economic, social, and environmental benefits for present and future generations alike.
But to do this we must all work together. Federal, State and Local Governments. We must discuss and collectively agree to drive these initiatives. We must stop working in silos and build synergies. At the twelfth World Urban Forum in Cairo, there was a strong emphasis on devolving the Global conversation on urbanization. We now have an Africa Urban Forum, the last held recently this year in Addis Ababa. At the Forum all African Member Countries, including Nigeria, agreed to organize Annual National Urban Forum in the declaration.
At this Council Meeting, I would therefore direct that in line with the Africa Urban Forum Declaration, we set in motion the process for the organization of an Annual National Urban Forum where we all meet to discuss Nigeria’s Urban Agenda.
In conclusion, as we meet and deliberate at this 13th edition of the National Council on Lands, Housing, and Urban Development, let us reaffirm our shared commitment to reshaping Nigeria’s housing, land, and urban development landscapes. The work we are undertaking is more than just policy—it’s about creating a brighter, more inclusive, and prosperous future for our nation.
I urge each one of you to carry the insights, ideas, and innovative strategies from this meeting back to your respective states and departments, actively advancing our goals for sustainable, affordable housing, effective land administration, and resilient urban spaces. Let us continue building on the progress we've made and work tirelessly to transform our vision of ‘Renewed Hope’ into reality for every Nigerian.
Together, we can foster cities that are economically vibrant, environmentally sustainable, and socially inclusive. The journey ahead requires our unity, our resolve, and our unwavering dedication to delivering real, lasting change.
Thank you, and may our collective efforts here in Gombe pave the way for a stronger, more dynamic Nigeria.
Long Live Nigeria
Long Live His Excellency, President Bola Ahmed Tinubu, GCFR
MINISTRY OF HOUSING AND URBAN DEVELOPMENT HAS GONE LIVE ON ECM IMPLEMENTATION
This is to inform the general public that the Ministry in compliance with the directive of Head of the Civil Service of the Federation, has gone live on ECM.
The general public is hereby informed that as from 30th of September, 2025 all correspondences with the Ministry wil be via its official email platform shown below;
hmregistry@fmhud.gov.ng (Hon Minister Registry)
hmsregistry@fmhud.gov.ng (Hon. Minister of State Registry)
psregistry@fmhud.gov.ng (Permanent Secretary Registry)
Digital Transformation via ECM makes us serve you better.
PICTURES OF THE FMHUD ONE DAY SENSITIZATION PROGRAMME ON INNOVATIVE IDEAS AND CREATIVITY FOR STAFF
Pictures of the FMHUD One day Sensitization Programme on Innovative ideas and Creativity for Staff
PHOTONEWS : RENEWED HOPE CITY PROJECT, IBEJU LEKKI, LAGOS, THURSDAY, 28TH, AUGUST, 2025.
PHOTONEWS : Renewed Hope City Project, Ibeju Lekki, Lagos, Thursday, 28th, August, 2025.