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Minister Federal Ministry Of Housing And Urban Development Arc. Ahmed Musa Dangiwa.
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Nov
05
2025

LATEST PRESS


Housing Ministry Endorses KTNN’s Nationwide Renewed Hope Homeownership Campaign. 

 

•⁠  ⁠campaign to compliment Ministry’s ongoing housing sector Reforms -  Dangiwa 

 

The Federal Ministry of Housing and Urban Development has expressed support to a nationwide campaign on Renewed Hope Homeownership and Housing Development presented by the KnowThis Nigeria Network (KTNN) 

 

The decision was the outcome of a meeting between the ministry and the KTNN's team led by its Project Director, Engr. Robert Ahen Chenge to discuss the partnership for the campaign.

 

Know This Nigeria Network (KTNN) is a civic organization dedicated to bridging knowledge gaps and promoting citizen engagement in national development.

 

The campaign, an initiative of the KTNN, is designed to bridge the gap between citizens, state governments and housing institutions in Nigeria’s housing reform initiatives. It comprises six regional housing advisory Executive Sessions for Governors, Commissioners of Housing, Land and Urban Development, CEOs of States' Housing Corporations, Legislators, and Private sector. to serve as direct engagement platforms for the leadership of the Ministry, its agencies, and development partners. 

 

The initiative further aims at interfacing with States and aligning housing plans, implementing land reforms, unlocking dead capital, and enabling access to federal and international funding to expand affordable housing delivery.

 

On the other hand, the Campaign will take the message directly to citizens through State-by-State Homeownership Seminars. These seminars will be hybrid — physical and virtual — to reach every demographic group. Civil servants, artisans, entrepreneurs, professionals, and youth groups will all learn directly from FMHUD, FMBN, FHA, FHFL, NMRC, MREIF, and InfraCredit.

 

In his remarks, Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa praised the effort of the KTNN to translate housing reforms into a nationwide movement that connects policy with people, emphasizing on the importance of making housing reforms accessible to citizens, especially those at the grassroots.

 

“Many States are still not fully aware of the federal and international housing windows available to them and many citizens still don’t know where to start or how to access affordable housing opportunities”, he said.

 

“Having gone through the earlier submissions and presentation from KTNN, I am persuaded to endorse the principles and objectives of the Renewed Hope National Homeownership and Housing Development Campaign. The goals of deepening citizen awareness, strengthening State–Federal collaboration, and institutionalising continuity in housing reforms are fully consistent with our Ministry’s priorities under the Renewed Hope Agenda” Dangiwa noted.

 

He appreciated the timely and strategic nature of the campaign, saying that it complemented ongoing efforts of the Ministry through the Renewed Hope Housing Programme, the Renewed Hope Social Housing Programme, the Land 4growth reforms, among others, designed to make housing delivery more coordinated, transparent, and inclusive.

 

Minister Dangiwa acknowledged the KTNN’s proposals to institutionalise housing knowledge through the establishment of States' Housing Reform Offices (SHROs) and a National Housing Reform Office (NHRO) as part of the Campaign, noting however that the Ministry will review the specifics to see how they fit into the Renewed Hope Housing Delivery Strategy in line with the need to that they would complement the Ministry’s existing Department of Reform Coordination and Service Improvement to ensure continuity and knowledge retention across political transitions.

 

“What I see here is not duplication, but an opportunity for complementarity, where private sector-driven support structures like the NHRO and SHROs can work alongside our existing frameworks to deepen reform implementation and accelerate results”, he explained.

 

Accordingly, Dangiwa lauded KTNN’s push to seek partnerships of Development Finance Institutions (DFIs) such as the World Bank, Shelter Afrique Development Bank, IFC EDGE, and UN-Habitat, noting that the proposal for a co-funding with the DFI’s was consistent with the Ministy’s approach of building sustainable, blended-finance solutions.

 

He also appreciated KTNN’s plan to produce practical tools like the State Homeownership and Housing Development Advisory Booklet, the Renewed Hope Homeownership Guide, the video infomercials, and the website and digital engagement platform, to help simplify communication, expand public understanding, and build trust between government and citizens.

 

The Minister directed the Permanent Secretary to constitute a technical review team comprising relevant departments and agencies like the Federal Mortgage Bank of Nigeria (FMBN), Federal Housing Authority (FHA), Family Homes Funds Limited (FHFL), Nigeria Mortgage Refinance Company (NMRC), and the Reform Coordination Department of the Ministry, to collaborate with KTNN in finalizing partnership modalities.

 

He further assured the KTNN team of the Ministry’s openness to ideas, partnerships, and innovations that help achieve shared goals.

 

“The Renewed Hope vision is not just a government slogan, it is a national call to action. It belongs to every Nigerian who believes that change is possible when citizens and institutions work together”, Dangiwa said.

 

In his presentation, the Project Director  KTNN, Engr. Robert Ahen Chenge, noted that the Renewed Hope National Homeownership and Housing Development Campaign, was a movement that seeks to bring together all federal and international housing institutions to move forward the agenda of President Ahmed Bola Tinubu's administration in the housing sector.

 

He explained that the campaign which is designed to bridge gaps between policy and people, federal programs as well as state level efforts, and institutional knowledge with citizen access, would be a hybrid campaign, both physically and online, to ensure broad participation and engagement.

 

Engr. Chenge further outlined three key gaps the campaign is designed to close to include: lack of understanding of federal reforms, underutilization of federal support institutions, and low awareness of federal housing initiatives.

 

He said the Campaign also aims to train, certify, and deploy Homeownership Specialists in every State to guide citizens through mortgage applications, housing registration, and homeownership processes, with counterpart funding structure involving government, Development Finance Institutions (DFIs), and the private sector to ensure sustainability.

Mar
20
2025

FG Partnes World Bank On Land Reforms,  Administration Challenges   * Aims to increase land registration process from less than 10% to over 50% in the next 10 years    * State governments key partners in achieving specific goals - Dangiwa   The Federal government of Nigeria is set to intensify engagements with the World Bank to implement reforms that would unlock the potentials of Nigeria’s landed assets through the National Land Registration, Documentation, and Titling Programme (NLRDP)    The Honourable Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa disclosed this at the workshop on National Land Registration and Documentation Programme (NLRDP), held on Wednesday March 19, 2025, in Abuja.   He decried the long standing challenges Nigeria has faced in land governance which includes; inefficient property registration process which has resulted in less than 10% of land registration in Nigeria, lack of a systematic and credible, framework to identify property ownership, interests, and location, lack of essential infrastructure, Inadequate data for effective land valuation in both urban and rural areas, among others.    The Minister outlined the  frameworks devised by the Ministry in collaboration with the State governments to address the challenges to include;  registration, documentation, titling of all land parcels to unlock Nigeria’s dead capital, developing a National Digital Land Information System, formalizing land transactions from less than 10% to over 50% in the next 10 years.   He also spoke about Plans to train and deploy technical competence in land administration officers nationwide, emphasizing on collaboration between federal and state governments to establish a uniform framework.   To achieve these objectives, Arc. Dangiwa informed that the Ministry in 2024, solicited the partnership of the World Bank, pointing out that the Bank’s recent technical mission provided invaluable insights into the current state of land administration in Nigeria;    “The findings and recommendations from this mission will serve as the foundation for the discussions and action plans emerging from this workshop”, he said. Accordingly, The Minister acknowledged that the World Bank's technical capacity, global best practices, and financial resources were crucial for addressing Nigeria's land governance challenges.   He noted that a key topic to be discussed at the workshop;   "The Implementation of Systematic Land Titling and Registration (SLTR)," would address  the current land administration process which is  outdated and expensive, leading to less than 10% of the entire land in the country being unregistered since 1883.   “The SLTR allows a systematic identification, demarcation and adjudication of every aspect of land within a jurisdiction in the presence and concurrence of the adjoining parcel owners”, he explained.   He also emphasized on the need to build upon the exhaustive and comprehensive work done by the Presidential Technical Committee on Land Reforms (PTCLR ). Accordingly,  he mentioned the significance of  legitimizing Systematic Land Titling and Registration under the framework of the Land Use Act (LUA), informing that the Presidential Technical Committee developed land regulations, which included provisions for the STLR.   Dangiwa further informed that the regulations were endorsed by the National Economic Council in May 2017, adding that it was awaiting the approval of the National Council of State. Similarly, Arc. Dangiwa noted that  another key area for discussion is the role of Geographic Information Systems (GIS) and  digital tools in modernizing land administration, highlighting these technologies enhance accuracy, efficiency, and transparency in land registration.   The Minister as well hinted on adopting Public- Private Partnership in land registration and digitization,  emphasizing PPPs plays significant  role in  mobilizing resources and expertise for land administration reforms.   While acknowledging the important roles of traditional and community leaders in land governance and dispute resolution, Arc Dangiwa emphasised the need to develop strategies to integrate customary land tenure into formal registration systems and reduce land disputes.    "Their involvement will ensure that the NLRDP is inclusive and respects the rights of all Nigerians," he stated. The Minister also highlighted the exploration of public-private partnerships (PPPs) in land registration and digitization, as well as the role of traditional and community leaders in land governance and dispute resolution.   He further reassured the State Governments, the World Bank and all stakeholders of the commitment of President Bola Tinubu to drive the ongoing transformation in the Nation’s Land Administration . In his goodwill message, the Chairman Senate Committee on Housing and Urban Development, Senator Aminu Waziri Tambuwal, stated that the Committee was fully committed to providing robust executive support that would ensure the success of the National Lands Registration and Documentation programme.   According to him, some of these supports include; Land and social frameworks, conducting of oversight functions to ensure accountability, collaborating with state Assemblies to harmonise land related matters, among others.   Also in his goodwill message, the Country Director of the World Bank, Dr. Ndiamé Diop represented by the Senior Social Development Specialist, Dr. Mike Ilesanmi expressed happiness to be part of the initiatives of the National Land Registration and Documentation Program as it aligned with the World Bank’s vision to eradicate poverty.   He noted that the workshop was an initiative that would help unlock investments at the National and sub-national level, further assuring of the Bank’s readiness to continue in the support to get the expected outcome from the program.   Similarly, the Chairman, Land Reform Task Team in his goodwill Rev. Ugochukwu Chime, stated that the Land use act was long overdue for an overhaul, acknowledging the need to have a comfortable land management allocation and execution protocols which is very critical for any development in a nation.   Earlier in his opening remarks, the Permanent Secretary, Ministry of Housing and Urban Development, Dr. Shuaib Belgore noted that the National Lands Registration and Documentation Programme was a pivotal and significant step towards strengthening Nigeria’s land administration system as well as a crucial factor in promoting economic growth, social stability, and national development.   He outlined some key objectives of the programme to include; Ensuring a unified and efficient Land Registration System by working closely with state governments, Land actors and Agencies with the view of creating a standardised approach that will reduce duplication, inconsistencies, and bureaucratic bottlenecks, Leveraging Technology for land digitization which aims at transition from manual to digital land records that improves data security, minimise fraudulent activities, and facilitate ease of doing business in real estate and mortgage sectors in line with global best practices, others.   In his welcome address, the Director, Lands and Housing Development, ESV. Collins Alabi sought the support and cooperation of all states for the successful implementation of the national land registration and documentation program.   He recognized the critical role of the state governments in land administration, encouraging them to align their land administration systems with national and global standards. The workshop brought together key stakeholders, including State Governments, development partners and professional in the private sector and academia  to discuss the way forward in achieving the initiatives.   ...

Mar
18
2025

FG Advances Public -Private Partnerships  to Drive Housing and Urban Development - Dangiwa   * says partnering Shelter Afrique Development Bank to Deliver 5,000 Affordable Housing Units    Minister of Housing and Urban Development, Arc Ahmed Musa Dangiwa, has disclosed that the  Ministry is intensifying efforts to harness Public-Private Partnerships (PPPs) as a key strategy for addressing critical housing and urban development challenges in Nigeria.   He made this known at the Renewed Hope Housing Public Private Partnership Summit held at Shehu Yar'adua Centre, Abuja on  Monday,17th March, 2025.   The theme for the Summit is “Leveraging PPPs to Deliver Renewed Hope Agenda for Housing  AND Urban Development."   The Minister noted that the vision to convene industry leaders, housing institutions, policymakers, and stakeholders to deliberate on leveraging Public-Private Partnerships (PPPs) to advance the Renewed Hope Agenda of President Bola Ahmed Tinubu for housing and urban development was both timely and transformative   Arc. Musa Dangiwa also affirmed the ministry's commitment and determination  to break the cycle of inaction and deliver tangible results in the housing sector, adding in line with the Renewed Hope Agenda, the Ministry is spearheading transformative initiatives to enhance urban renewal, optimize federal assets, and improve land administration through Public Private Partnership.   He bemoaned  that the Nigeria  is  battling with  inadequate housing supply to meet the demands of a rapidly growing population and the prevalence of substandard housing where over 70% of Nigeria's 43 million housing units do not meet the basic standards of habitability, safety, sanitation, accessibility, and infrastructure as outlined by the United Nations and the World Health Organization (WHO).   Arc Dangiwa also revealed that aside collaborating with National Population Commission, the ministry  has established an Industry -Wide Team to develop a National Housing Data Infrastructure in order to have credible housing data.   However,  Federal Government is  working  with an estimated housing deficit of over 20 million units and bridging the gap would mean delivering 500,000 housing units annually over the next decade, at an average cost of N10 million per unit,  meaning it would  require over N5 trillion annually  (approximately $6.25 billion) to achieve that.   "This scale of investment necessitates a collaborative strategy involving both the government and the private sector," He said.   Accordingly, the Public Private Partnerships (PPPs) is a key part of the ministry’s efforts to ensure that it conceive and implement large scale affordable housing and urban development interventions as well as create significant impact nationwide to complement budgetary allocations.   The Minister noted that under a PPP framework arrangement, the Federal Government is working to deliver 100,000 Units with a Consortium of Developers, informing,under the  phase one of the Memorandum of Understanding (MoU), the ministry would deliver seven (7) Renewed Hope Cities targeting the Federal Capital Territory (FCT), Lagos, Kano, Maiduguri, Enugu, Port Harcourt, and Nasarawa with effective demand for housing.   Arc Dangiwa also informed that in a broader effort to enhance urban renewal and slum upgrade programs, the Ministry is strengthening collaborations with multilateral institutions, particularly UN-Habitat emphasising the recent  presidential approval for Nigeria's $500,000 annual subscription to UN- Habitat marks a significant step toward large -scale urban interventions.    To further facilitate urban development discourse and networking among stakeholders, he revealed that the ministry  is planning Nigeria's first National Urban Forum in alignment with New Urban Agenda.   On Federal assets nationwide, the Minister said that the Ministry is exploring innovative PPP models to optimize underutilized federal assets, including dilapidated properties and prime land, hinting plans are underway for the possible establishment of a Housing and Urban Development Special Purpose Investment Vehicle (SPIV) to transform these assets into revenue-generating projects that will fund affordable and social housing.   He said that over the nineteen months, the Ministry has aggressively pursued PPP-driven solutions, but the scale of the challenge remains vast. As such, the Ministry is calling on technically and financially capable partners to collaborate in delivering the Renewed Hope Agenda.   "We need more PPPs to drive these ambitious projects. If you have value to add to our work,you can be assured of a willing and committed partner in us,"  Arc Dangiwa stated.    Also,  the Minister signed a landmark housing development partnership agreement with Shelter Afrique Development Bank (ShafDB) to accelerate the delivery of affordable housing across the country.     "The agreement is historic because  this is the  first time the Federal Government, through the Ministry ,  is directly collaborating with ShafDB to access developer financing for affordable housing," the Minister remarked.    He explained that  the first phase of the partnership will deliver 5,000 housing units, with plans for nationwide expansion, noting the agreement underscores governments commitment to making homeownership more accessible to Nigerians.   The Minister also said ShafDB will  support in providing  technical advisory services, including comprehensive assessment of Nigeria's housing market using its innovative VIRAL model. He explained the model will lead to the development of country housing deficit reduction strategy paper and three PPP transaction  models for affordable housing and urban renewal projects.   He added that the bank will also give assistance in identifying strategic private sector partners, structuring market- attractive PPP transactions , and raising fund for housing and urban development initiatives, noting capacity building programs in form of training, workshops, and policy development exercise will be conducted to enhance the ministry's capabilities.   Meanwhile, the Minister has called on  the management of Infrastructure Concession Regulation Commission ( ICRC )to modify the it guidelines on PPP to accommodate the "unique characteristics and challenges" of housing development.   He said, "Housing development often requires different financial mechanisms, shorter timelines, and a focus on affordability and social impact, making the current ICRC guidelines less than ideal without further modifications."   Arc Dangiwa outlined the areas the ministry has issues with ICRC to include;  focus on large scale infrastructure, financial model incompatibility, target market and affordability,land acquisition and regulatory challenges amongst others, expressing optimism that working with the new management of the Commission, all the problems will be resolved to enable the ministry speed up its PPP projects.   Earlier in his goodwill message, the Chairman Senate Committee on Housing and Urban Development, Senator Aminu Waziri Tambuwal, reaffirmed the unwavering dedication of the Committee to supporting progressive policies and legislative framework that fosters sustainable housing development, adding that creating an enabling environment for PPP’s to thrive required robust legal and regulatory frameworks.   “We stand ready to collaborate with all stakeholders to facilitate this objectives”, he said.   Senator Tambuwal assured that the legislative efforts of the Committee would remain focused on ensuring transparency, streamlining processes and eliminating bureaucratic bottlenecks that hinder private sector investments in housing.   On his part while giving his welcome remarks, the convener of the Renewed Hope Housing Summit, Dr. Olayemi Rotimi Shodimu, informed that the summit which is the first National Open dialog on Public Private Partnership in Nigeria’s housing sector, aims to foster collaboration between public and private stakeholders in the sector.   He said it marked a significant milestone in addressing Nigeria's housing deficit estimated at 17 to 28 million units, and promoting sustainable urban development.   Dr. Shodimu further informed that the summit aims to increase awareness of PPP models, identify innovative financing options, and develop comprehensive policy recommendations.   Also in his opening remarks, the Permanent Secretary Ministry of Housing and Urban Development, Dr. Shuaib Belgore, stated that the summit was a testament to the government's commitment to fostering partnerships that will harness the strengths of both Public and Private sectors, to meet the growing demand for affordable housing.   He expressed confident that the collaboration between the two sectors would play a transformative role in addressing the challenges facing the housing sector.   In her presentation of the PPP strategy and framework for Housing and Urban Development, the Head Public Private Partnership (PPP) of the Ministry, Arc. Abimbola Asein, brought the participants up to speed with the vision and mission of the Ministry.   To achieve the vision, she outlined some strategic objectives to include; Increasing Affordable Housing Supply, Enhancing Urban Infrastructure, Fostering Innovation and Sustainability, Ensuring Inclusivity and Equity, among others.   Arc.  Asein mentioned key programs and initiatives that would help translate the strategic objectives into action, flagship programs such as the Renewed Hope Cities and Estates Programme which targets the delivery of 200,000 affordable housing units by 2030, and the National Urban Renewal and Slum Upgrade Programme, aiming to develop 50 urban and slum upgrade projects by 2030.     Accordingly, Arc. Asein listed some key elements of the PPP framework to include Policy and Regulatory Reforms, Strengthening of Institutional Structures, and more.   Highlight of the event was the signing of memorandum between the Housing Ministry and the Shelter Afrique Development Bank, as well as the presentation of a milestone award by the Real House Communication LTD, to the Honourable Minister for the giant strides so far achieved in the Ministry.   ...

Mar
14
2025

Belgore Inaugurates Housing Ministry 2025 Procurement Planning Committee.     * Urges the committee to adhere to regulations of probity, transparency, accountability    The Permanent Secretary, Ministry of Housing and Urban Development, Dr. Shuaib Belgore (OON), has inaugurated the Procurement Planning Committee (PPC) of the Ministry, for the 2025 financial year.   The committee under the Chairmanship of the Permanent Secretary, comprises representatives from all departments of the Ministry    At the inauguration, Dr. Belgore stated that despite the fact that the 2025 budget which has been signed by President Bola Tinubu awaits further communication from the Budget office, he informed that the Secretary General of the Federation  (SGF), has authorized the commencement of the procurement activities for the year.   “ I have had a preview of the budget that has been approved by Mr. President, and I gladly tell you that what the ministry proposed is largely in tact, we have additions from quite a substantial volume of constituency project. We’re closing in very close to an additional 50 billion, It's a lot of work”, he said.   Accordingly, the Permanent Secretary outlined the Terms of Reference of the PPC to include; preparing the needs assessments and evaluation of procuring entities, Identifying goods, works, and services required, preparing an analysis of cost implications of the proposed procurement, and aggregating the requirements within the department to enable the possibility of obtaining an economy of scale.   He also emphasized on the need to aggregate requirements between departments, particularly the training needs of departments under one umbrella so that nearly every ministry staff member would benefit from training this year, and in turn integrate the Ministry’s expenditure into the yearly budget.   Belgore urged the members of the committee to adhere to regulations of probity, transparency, and accountability; emphasizing on the adoption of the template from the Bureau of Public Procurement (BPP) to help keep the mandate of the Ministry in view.   Similarly, he charged the committee members with dedication and hard work to the mandate of the Ministry, saying that he would reward all diligence.   He further encouraged all the departments to make their inputs required to get the Bills of Engineering Measurement and Evaluation (BEME), Bills of Quantities, and other required documents ready in due time, hoping that the 2025 budget would all commence by April, and contracts awarded by July, 2025.    Earlier in her opening remarks, the Director Public Procurement of the Ministry,  Koriotaa Okobiah, (mrs), stated that the inauguration was in line with the provisions of sections 16 (1B) and 18 of the public procurement Act, 2007.   Mrs Okobiah informed that the inauguration also was in compliance with the circular from the Office of the Secretary General of the Federation (OSGF) for the preparation and submission of the procurement plan for the 2025 financial year and commencement of procurement activities.   “Various departments of the Ministry submitted their nominees to serve in the committee”, she added. ...

First First First

SPEECHES


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.

PUBLIC ANNOUNCEMENT


Oct
21
2025

 


Click To View: RENEWED HOPE HOUSING PORTAL

PHOTO NEWS


Oct
24
2025

INSPECTION OF THE KARSANA, ABUJA FCT RENEWED HOPE CITY PROJECT BY THE PERMANENT SECRETARY, MINISTRY OF HOUSING AND URBAN DEVELOPMENT, DR SHUAIB BELGORE, FRIDAY, OCTOBER 24TH, 2025.

Inspection of the Karsana, Abuja FCT Renewed Hope City Project by the Permanent Secretary, Ministry of Housing and Urban Development, Dr Shuaib Belgore, Friday, October 24th, 2025.

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PHOTO NEWS


Oct
22
2025

HON MINISTER OF STATE, RT HON ABDULLAHI ATA AND PERMANENT SECRETARY, DR SHUAIB BELGORE IN A MEETING WITH THE DELEGATION FROM THE UNIVERSITY OF UYO, CENTER FOR SKILLS ACQUISTION AND RURAL DEVELOPMENT AT THE CONFERENCE ROOM OF THE MINISTRY,  MABUSHI,  ABUJA

Hon Minister of State, Rt Hon Abdullahi Ata and Permanent Secretary, Dr Shuaib Belgore in a meeting with the delegation from the University of Uyo, Center for Skills Acquistion and Rural Development at the Conference room of the Ministry,  Mabushi,  Abuja

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