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Affordable Housing, Housing Project

The Past, Present & Future of Affordable Housing in Africa

The History of Housing in Africa

Most countries in Africa still have housing policies and land policies that are holdover from the colonial period
• Major Housing initiatives carried out on the continent were by newly independent African Nations
• However the newly independent nations were distracted with quest for control of resources by various groups
• Development was largely ignored in the quest for political consolidation and resource control
• Where there was housing initiatives, most housing was provided for Civil Servant, often the largest pool of workers and votes!

Cross-Section of Housing Policies in Africa

Uganda : Three periods in review

The first period 1978 -1986, hampered by political instability and civil strife. Consequently,
low implementation
• The 1986 saw a more stable and consistent implementation. The goals of housing policy over this period were to provide sufficient residential land and plots in urban areas and to improve access to housing infrastructure and services at affordable standards, including upgrading of slums
• 1992 was the most comprehensive period for housing policy. The National Shelter Strategy, whose overall objective was to improve housing conditions and ensure adequate shelter for all Ugandans by the year 2000.
• The policy involved the establishment of several housing programmes and projects, and the approach to implementation was an enabling and facilitating one on the part of government

Cameroon : Three Periods in Review

First phase (1950 – 1976), government Housing Policy placed emphasis on direct construction of houses by the Government with a view to improving the housing stock and strengthening measures for ensuring decent housing for civil servants and allied workers or provide housing allowance for employees.
• Second period (1977 – 2003/4), with the rapidly accelerating urbanization which was largely unplanned for, and the equally accelerating demographic growth over this period,, and drawing from the lessons and outcomes of the 1976 First United Nations Conference on Human Settlments (Habitat 1 or the Vancouver Conference)
• During this period government embarked on strengthening the institutions that underpin the provision of these services – including establishment of such bodies as the Cameroun Housing Society (SIC), the Ministry of Urban and Rural Planning (MAETUR), Credit Foncier du Cameroun (CFC) etc.
• Third period (2003/4 – Date) is devoted to reassessing the Habitat Agenda in the light of the increasing poverty during this period (40% of the population living below income poverty line) and placing more policy emphasis on Economic Growth Strategy and Employment Generation.

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Three major housing policy streams or strands were identified over the past 50 years.
• The first stream was from 1982 – about 1990, during which policy focused on addressing the prevailing quantitative housing deficit in the country. Very little was achieved during this period since the political landscape was so inhospitable.
• The second stream of Nigeria National housing policy was from 1991 – 2005, a period that witnessed a very comprehensive and ambitious housing policy, the policy was noted for its decided focus and sweeping reforms on the “housing finance” sector. It sought to rejuvenate and strengthen the Federal Mortgage Bank of Nigeria (FMBN) into a wholesale bank; established Primary Mortgage Institutions/Banks (PMIs) for the much wider scope and coverage of mortgage finance intermediation
• The Third policy strand (2006-Date) has focused on the use of the private sector as the fulcrum of the new policy. It seeks to stimulate large numbers of private sector real estate developers in the development of estates with houses for sale at affordable prices to low and middle income groups in the country.


• The first generation of housing policy which was focused on the:
1. ‘Turn-Key’ and Joint-Venture arrangements and encouragement of the private sector to develop rental housing;
2. More and easily available housing finance;
3. Institutional strengthening;(Human Settlements Authority (HAS), Swazi National Housing Board (SNHB), Ministry of Housing & Urban Development (MH&UD), Local Government Councils);
4. Land reform;
5. Construction methods, including use of traditional construction materials;
6. Urbanization and urban structure planning and development

• The second generation was succeeded by a New Housing Policy in the year 2000. This later policy, benefiting from the outcome of the Second United Nations
Conference on Human Settlements (Habitat II).

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The Housing Policy objectives were to:

1. Improve access to land with secure tenure for those households seeking to house themselves.
2. Support the development of a property market through access to finance and appropriate building and planning processes and regulations.
3. Identify and safeguard the rights of both landlords and tenants in the rental market.
4. Ensure that delivery of services is financially sustainable for the service provider and affordable to the household.
5. Use construction methods and local building materials that reduce the cost of housing and promote employment creation.
6. Use formal and informal economic activities on a plot and in the vicinity to improve household incomes and affordability standing.

What History teaches us

1. Most policies had an exclusive urban focus, and non-consideration of the rural areas.
2. Housing problems will not be solved by government throwing money at the problem
3. Housing itself is a political affairs and is susceptible to political changes
4. Government is not equipped to provide housing on its own
5. Tweaking housing policy without addressing land policy will not yield maximum results

Where we are now

UN New Urban Agenda – Habitat III

• The New Urban Agenda (NUA) was adopted at the United Nations Conference on Housing and Sustainable Urban Development (Habitat III) in Quito, Ecuador, on
20 October 2016.
• The NUA represents a shared vision for a better and more sustainable future. If well-planned and well-managed, urbanization can be a powerful tool for
sustainable development for both developing and developed countries.
• Housing and slums upgrading are considered pivot pillars of the NUA, as the agenda aims to position housing delivery at the centre of national and local
urban agendas;
➢ As such having a paradigm shift from basically providing housing to a more structured, strategic and holistic framework for housing delivery which incorporates the objectives of achieving a sustainable and inclusive human settlements in terms of effective urban planning practice and consideration for human rights.

What does the Market look like?

The African Housing Finance Market has the following identifiers:
• Housing Finance in Africa remains critically inaccessible for most people.
• Inaccessibility is defined by high interest rates and short loan tenors that make it untenable for mortgage seekers.
• Financial Institutions, Microfinance Banks and Commercial Banks find it difficult to raise cheap funds for long-term commitments like construction.
• The sector of the economy most in need of housing finance are unbanked.
• Property rights and security which are needed for a thriving housing finance industry are sorely lacking in Africa.

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• Most construction companies and developers in Africa are keen on the high- middle income housing market, leaving the low-income critically underserved
and underfinanced.
• Governments are still in the process of digitising and legitimising land records and registration.
• Government policy itself is yet to catch up with the needs for Housing Finance.

The Future of Housing: Things to Consider

Need for a Multi-Sectoral Housing Finance Strategy
• Ensuring effective Legal and Regulatory Framework
• Expanding Mortgage Finance
➢ Designing appropriate mortgage finance products
• Enhancing access to capital markets
• Need for alternative housing finance products such as medium-term non-mortgage
finance instruments, mini-mortgages, micro-finance for housing
• Enhancing affordable private rental housing

Block Chain Technology
• The current state of property agreements have a lot of moving parts and middlemen. A transaction using a smart contract is completed entirely between the buyer and the seller (or renter and landlord) and has no human interaction.
• Transactions can be done in far less time with far less chance of fraud. The seller includes all of the details of the property and the buyer puts all of their
necessary information on a 100% encrypted and secure block.
• If all property title was decentralized on the blockchain, an immense amount of time and money would be saved and, potentially, it could eliminate the
need for title insurance altogether.
• It could also be possible to add information about construction, damages and improvements to the title, almost like Carfax for homes. This will help make it so
that people truly know what they are buying.

Source: Shelter Afrique

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