To browse Academia. Housing is a basic and essential need of man. However, resulting from the huge capital outlay required for housing development, a major hindrance to housing delivery, especially to low-income earners is finance, leading to housing shortage. Housing backlogs persist due to lack of appropriate housing finance systems, challenged by undeveloped mortgage instrument and housing policy failure. Globally, a good and effective housing policy is an antidote to adequate housing delivery. Ironically, the policies towards housing delivery in Nigeria have not been effective, being fraught with plethora of problems such as inadequate financial instruments Seda Akman Seks Tape mobilization of funds for mortgages. Hence, this paper examined the effectiveness of the various housing finance policies in Nigeria, with a view to establishing their effectiveness in improving access to mortgage fund and propose suggestions towards enhancing housing finance and delivery. Secondary data were sourced from relevant documents pertaining to the housing sector in the country. Existing policy interventions of governments on mortgage funds mobilization for the housing sector towards making it viable and productive were reviewed and analysed. Findings reveal that the housing finance policies in Nigeria have not effectively resolved the nation's housing funding and delivery challenges. The study recommends a change in the narratives through a more pragmatic and effective policy regulation geared towards making longterm mortgage funds available at a lower interest rate. Housing finance is considered to be the prime mover of a national housing delivery framework; a mechanism in that respect is designed to address issues of affordability for households, accessibility and viability for mortgage institutions and developers. The short fall in housing stock is massive and population growth has completely out paced and overwhelmed provision. This paper presents an appraisal of the impact of this policy with respect to the FMBNs average pooled funding of low, medium and high income housing and matters arising as reflected in the new National Housing Policy and memoranda to the National Council on Lands, Housing and Urban Development. In recent times, Nigeria's National Housing Policy has undergone review, which sums up attempts at addressing housing challenge in the country. This accounts for the value and the attention given to it in all countries of the world. Housing is perceived and actually seen as a long term investment that gives a hedge against high inflation. But the nonavailability of public land for housing in order to meet the demand of ever increasing population of the country is building up tremendous pressure on the Seda Akman Seks Tape environment. High cost of materials; inflation induced decreased purchasing power and lack of public and corporate finance in the sector can be considered as the most significant reasons among others. Finance, however, is the major hindrance to effective production or acquisition of affordable housing especially among the low and medium income earners in Nigeria. This paper reviews the trends of housing delivery in Nigeria through the intermediation of mortgage financing system. It discusses the challenges, proffers probable solutions as well as proposes recommendations for strategic repositioning of mortgage institutions for effective housing delivery in Nigeria. Financing of housing delivery by government is a pivot to sustaining development. In Nigeria, housing finance suffered shortage of funds; corruption, low number of committed financial institutions, and the Federal Mortgage Bank of Nigeria FMBN has not made it easy for other institutions to access funds. This paper examined the role of government in financing housing and the challenges associated with it. It discovered that the finance system used by government has not been effective, and there is politicisation of governmental activities. The paper concluded by recommending ways of addressing the challenges encountered in the process such as creating enabling environment for investors, provision of necessary funds for housing and promoting housing business to mention a few. The user has requested enhancement of the downloaded file. All in-text references underlined in blue are added to the original document and are linked to publications on ResearchGate, letting you access and read them immediately. The provision of adequate, decent and affordable housing in a country is one of the key indicators for measuring socioeconomic development and stability of the citizens. Housing is therefore a basic necessity of all humans in the world. The importance of housing have been underscore by the famous Abraham Maslow's theory of human needs which puts housing shelter and security immediately below the physiological needs in the pyramid of human needs. This research work includes the introduction, the aim and descriptive and quantitative and analytical approaches for qualitative and quantitative data respectively. The data collected from the primary sources were Seda Akman Seks Tape, synthesized and analysed it was summarized and conclusion was drawn that the contribution of financial institutions to housing development is not satisfactory because of limited options available and the lack of consideration for the poor majority of the Nigeria population and it was recommended that there should be moderation of the interest charge on mortgage loans, coupled with simple and convenient loan arrangement process, flexible interest rate, convenient redemption periods and little stress on collateral security. Seda Akman Seks Tape of Economics and Sustainable Development, The purpose of this paper is to find out the reason why housing finance system remained inactive and irrelevant in the drive towards housing delivery. The paper examines evaluation of the existing structure and secondary data were obtained from existing literature on books, journals and housing finance market. The National Housing Policy provided a solid background needed for understanding the operation of the market. The historical survey approach revealed the reasons for failure of existing practice. The objective of Seda Akman Seks Tape paper therefore is to give you an insight into the financing option for the construction of housing in Nigeria given the existing financial structures and the framework specified in the New National Housing Policy.
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