Opinion
Meeting Nigeria’s Housing Needs
One of the basic needs
of man is shelter. Every human in the world needs shelter in order to have peaceful living. It is a constitutional right of Nigerians as provided in section 16(1)(d) of the 1999 constitution under the Fundamental Objectives and Directive Principles of State Policy. There it is categorically stated that the State should provide suitable and adequate shelter for its citizens.
Unfortunately, suitable and adequate shelter today seems to be the absolute right of the upper class citizens in the country as majority of middle and low income earners who constitute the bulk of the population still see it as a mirage.
Research has shown that a majority of Nigerian citizens living in cities and urban areas actually live in ghettos, shanties and squalid accommodation, lacking basic amenities. Rural dwellers also have the same ugly story due to lack of basic social amenities in these areas.
Recently, the World Bank estimated that the cost of bridging Nigeria’s 17 million housing deficit is N59.5 trillion, underlining the vast and untapped investment potentials of the country’s real estate sector.
The World Bank’s figure was not too far from that of the Federal Mortgaged Bank of Nigerian (FMBN), which had estimated about N56 trillion to be able to adequately meet the housing needs of Nigerians. That amount according to the Managing Director of FMBN, Mr Gimba Ya’u Komo, was based on conservative calculation which tagged the cost of building one house at N3.5 million.
Existing housing stock in Nigeria is so dismal despite claims by government to be making efforts to surmount the problem. Government has at different periods and at various levels incorporated diverse policies aimed at affordable housing into its economic development plans. One of the most recent is the drive towards “housing for all” as contained in the National Housing Policy, which aimed at providing affordable housing for all. This has so far been realised only on paper, even as the initial target date for accomplishing it was 2000-2014 years ago.
Again, the Federal Government in 2010, established the Federal Ministry of Lands, Housing and Urban Development with a clear mandate to initiate modalities to ensure provision of adequate and affordable housing for the Nigerian citizenry both in rural and urban areas. Can we say this ministry is meeting up with the mandate even as statistics show that the number of Nigerians without shelter continues to soar? What of the Federal and States Housing Authorities whose main duty is provision of houses for the citizens. What have they really been doing?
While some blame inability of past governments’ effort to yield needed results on corruption and lack of willingness by government agencies to tackle housing problems, others say politicisation of housing has been the major set back.
Experts have also identified the Land Use Act of 1978 which rests ownership of land in State Governments, and a cumbersome property registration process barrier to housing development and home ownership leading to the country’s huge hosuing deficit. They posit that until the Act is reviewed or amended, improved housing development will continue to be a pipe-dream.
I also want to agree with the opinion that poor government policies are responsible for the inability of Nigerians, especially civil servants to build or own their own homes. Many civil servants after putting in several years in service cannot boast of even a bungalow because of bottlenecks hindering them from accessing loans from the National Housing Fund which they contributed to. People who had desired to acquire houses often time were required to pay 100% cash. The question is: how many civil servants who rely solely on their legitimate income can afford that?
It was therefore, heartwarming reading a story on the effort of Lagos State government towards providing homes under a comfortable mortgage plan for the residents of the State. According to the report, Lagos State government a few days ago announced that it had completed 1,104 homes for the residents with another 3,156 units at various stages of construction and intends to start more at different parts of the State.
The State Governor, Babatunde Fashola during the launching of the project disclosed that the projects had been fully funded from the taxes that the people had paid as monthly internally generated revenue (IGR) and is aimed at ensuring that a large number of ordinary middle class and working class people procure homes in Lagos and the owners will be given over a period of not less than 10 years to pay for the homes under a mortgage scheme.
I think more state governors and even local government chairmen should borrow a leaf form the Lagos experience. Housing should be a major concern of any government. Any responsible government ought to pride in its ability to provide housing for its population.
The Federal Government’s dream of providing adequate shelter for its citizenry under Vision 20:2020 can only be achieved when relevant agencies of government evolve better planning to meet the housing needs of Nigerians. This include, facilitating creation of an enabling environment for easy and low cost mortgage facilities for ordinary Nigerians; viable long term mortgage lending scheme and review of the Land Use Act. And most importantly, reduction of high cost of building materials.
Calista Ezeaku
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