Family Home Funds and the Plausible Goal of Affordable Housing in Nigeria

With nearly 200 million people, Nigeria has the largest population in Africa, and it is the 7th in world population ranking. In spite of this huge population, the country has struggled over decades to come up with a sustainable action plan that will reduce the incredible housing gap in the country.

Governments in many countries take the responsibility for the provision of housing through a mortgage financing system that simplifies home ownership for employed citizens, and a social security system for the unemployed. And this is why China with a population of 1.3 billion people has a housing surplus yet Nigeria with a population of about 200 million has a housing deficit.

According to multiple housing surveys conducted since 2011, there is over 20 million housing deficit in Nigeria. Generally, housing has been a major challenge in Nigeria for decades and there seems to be a preponderance of ineffective or motionless housing policies that has led to the inability of government to address the housing challenge.

In 1991 the government of Ibrahim Babangida promulgated the National Housing Policy, which was aimed at making housing affordable for Nigerians. As a result of the ineffectiveness of the policy in completely addressing the issues, a committee was set up in 2001 to provide a new housing policy. The report of the committee culminated in the New National Housing Policy of 2006. Yet, that policy despite the breadth of its input did not solve Nigeria’s housing challenges.


In 2012 the then Minister of Housing, Dr. Ama Pepple presented a new draft policy on housing to the Federal Executive Council. The policy sought to initiate a new paradigm to the existing housing policy.

The new policy proposed the collaboration between federal government and the private sector in the provision of one million houses annually in order to address the housing deficit of the country. In other words, the new policy sought to promote Public-Private-Partnership in housing for all Nigerians.


Although, the new direction encouraged the participation of the private sector in the housing sector, not much was implemented before the expiration of the Jonathan’s administration.

A New Direction with Family Home Funds

It is against this backdrop that the current administration under the leadership President Muhammadu Buhari and the Minister of Works, Power and Housing, Babatunde Fashola introduced new policy measures to address the housing challenges in the country.

The Family Homes Fund Limited is one of such new initiatives. The Fund is a partnership between the Federal Ministry of Finance and the Nigerian Sovereign Investment Authority as founding shareholders.

The Fund is the largest affordable housing-focused fund in Sub-Sahara Africa, leveraging its significant capital (in excess of N1trn by 2023) to facilitate access to affordable housing for millions of Nigerians on low to medium income groups.

Through strategic partnerships with various players in the sector and some of the world’s main Development Finance Institutions, the Fund has an ambitious commitment to facilitate and supply 500,000 homes and 1.5million jobs for the low income earners by 2023.

Beneficiaries of the project will enjoy a deferred loan for up to 40% of the cost of their home. For the first 5 years of the loan, no payments need to be made. From the 6th year, monthly payments will be made to start repaying both interest and capital to assist the purchaser.

The amount paid starts low and increases each year in gradual steps (average 6.5% per annum) in order for the HTB loan to be fully repaid by the 20th year, the same year the mortgage is expected to be fully repaid. To qualify, households will have earnings between N600k to N1.2m per annum and the new home must cost less than N7.5m.


An exception is made in Abuja, Lagos, Port Harcourt and Kano where the cost of a new home can be as high as N9m. Households benefiting from Loan Assistance will not be owners of a suitable home and will include one income earner who is under 35 years of age and does not have to be one of the people applying for the scheme or the loan but must be available to help with repayments.

The fund has recently completed the construction of 400 homes with an average cost of N3.5million in Grand Luvu, Nasarawa State – part of over 4,000 homes under construction in five states namely Ogun, Nasarawa, Kano, Delta and Kaduna.

A further 30,000 homes have been negotiated with development partners and have commenced since November 2018.


As the new company builds capacity through the ongoing recruitment campaign, it will achieve a program of 80,000 homes by December 2019.



FHF and Creation of New Jobs

Ongoing investments are already making a real difference with over 13,000 jobs created and about 360,000 to be created from current development pipeline. The Grand Luvu Project in Nasarawa State has created about 8000 jobs.

Many young people, especially those who were previously unemployed have been able to obtain training on the Funds Grand Luvu project, acquire valuable skills with guaranteed long-term employment and income to support their families. Same goes for the unskilled unemployed youths who depend on their family until they were employed as masons or carpenters on the project sites.

In Kaduna, the Millennium City project has directly engaged slightly over 200 persons which includes local artisans including carpenters and brick layers. The construction need for accountants, surveyors, engineers, etc. has created a lot of jobs since commencement.

According to officials of the fund “Our focus is to create homes that people, particularly those on low income can afford but beyond that, ensure that we provide opportunity for them to earn decent wages consistently through our investment in these projects.

“We have spent the last year building very strong foundations for a major take off and now we should start seeing the results in affordable homes and jobs for local people.”


Sustaining the Tempo

A noticeable pattern over the decades in such housing projects in Nigeria has been the counterproductive interference of politics, bureaucracy and corruption. Given the current level of performance by the Family Home Funds, and with credible projections for greater success, the wheels can only slow down if the government allows the intrusion of intervening variables that have always shortened the lifespan of housing development.

Government should ensure that its quality control officers are incorruptible and cooperative with the project leaders at Family Home Funds for the sake of harmony and the deliverance of testable results.

The current government has shown a commitment to fighting corruption, and it is the hope of many, especially Nigerians who will benefit from this project that corrupt civil servants and politicians do not have opportunities to exert themselves and their vested interest against the will of the people.

Obviously, Family Home Funds possess the technical and logistic abilities to deliver these projects, it is therefore very important for the government to ensure credible partnership.


Family Home Fund’s Deserved Accolade

For Nigerians who had totally given up hope of ever owning a home of their own, especially because of cost, this is definitely a new era of hope. Times are changing and homes are being built, just as jobs are being created.

Many Nigerians on low income have always been unable to buy a home either because they do not have sufficient savings for a deposit or are unable to meet requirements for a mortgage. The Family Homes Funds intends to set up a Rental Housing Fund to give Nigerians on low income a first step on the housing ladder. When the Fund is launched, eligible beneficiaries will be able to lease a decent home for a monthly cost not exceeding 40% of their household income including an option to buy the home at any anytime.

It is the expectation of many that Family Home Funds do not fail Nigerians. If Nigeria must close its housing gap and catch up with other countries, then Family Home Funds has brought a timely intervention that must be sustained with utmost commitment.

By Ojonugwa Felix Ugboja

Hispanics Lead Recent Homeownership Surge in U.S

The National Association of Hispanic Real Estate Professionals released the 2018 State of Hispanic Homeownership Report on Tuesday at its Housing Policy & Hispanic Lending Conference.

The annual report found that from 2008 to 2018, the Hispanic population was responsible for 81% of U.S. labor force growth, accounted for 39.6% of U.S. household formations and represented 62.7% of the increase in U.S. net homeownership.

“The annual State of Hispanic Homeownership Report play an important role in noting important trends in the Latino megamarket and serves as a key informational resource for policymakers and industry stakeholders,” NAHREP said in a press release.

The 2018 State of Hispanic Homeownership Report is in its ninth year of publication, focusing on the impact of language and culture in home purchase transactions. In addition to statistics on these homeownership trends, the report also provides recommendations on marketing strategies to help companies effectively reach Hispanic consumers.

Download the full report here.

Source: By Alyssa Stringer


Archbishop Vows to Handle Housing Crisis

The Archbishop of Canterbury has launched a new commission to look at the housing crisis and the Church’s role in building stronger communities across the country.

Chaired by Charlie Arbuthnot, an expert in the financing of social housing, and the Bishop of Kensington, Graham Tomlin, who has been active in efforts to support residents following the Grenfell Tower disaster, the group will begin to ask questions about the use of Church land, affordable housing and government policy.

Launched at Lambeth Palace on Tuesday, the Commission is made up of experts in the area of housing and community including Sir Robert John Devereux a former permanent secretary for the Department for Work and Pensions and Marvin Rees the Mayor of Bristol.


Those gathered at the launch were promised a “thoughtful, imaginative and radical” look at issue as well being told the Commission is keen to listen to stories of those working on the ground.


Explaining the importance of its work, Justin Welby, said: “Britain’s housing crisis is one of the major challenges facing this country – and it is hitting the poorest the hardest. While there is already significant work being done to find solutions, the Church has something unique to contribute.

“Up and down the country we are living out our faith in Jesus Christ by loving and serving those around us. Through food banks, night shelters and many other projects, the Church seeks to bind communities together with bonds of friendship, compassion and mutual support. This teaches us that any way forward must involve building communities, not just houses.

“The Archbishop of Canterbury’s Commission on Housing, Church and Community will consider what else we could and should be doing, as a Church and as a nation. In doing so, I hope it might help reclaim the very purpose of housing – as the basis for community, and a foundation for human flourishing.”


The Archbishop acknowledged the housing crisis isn’t a new issue. He also suggested it was a growing problem for clergy who retire and move out of church owned homes.

Speaking to Premier at the launch, Graham Tomlin explained why the Church wants to address what some would describe as a political issue.

He said: “The church is called to do justice and to bear witness of the kingdom of God and an important part of that is looking at the issues that particularly effect poorer people in our society.

“Housing is one of those issues. One of our clergy said to me the other day, that most of the postural issues he deals with have some sort of housing connection to it, the housing crisis affects poorer people more than others.


“One of the ways in which we bear witness to the kingdom of God, this vision of the way God wanted the world to be, is by helping people imagine what that might be. And what we’re trying to do is to try to see what that might look like, in the realm of housing in our society.”

The Commission is expected to gather evidence over the next 18 months before producing a report.

Charlie Arbuthnot spoke to Premier at the launch and explained what he was hoping to achieve.

He said: “I think probably top of my list would be that we’ve done something that’s enabled really healthy community across the nation.

“We’ve got dislocated communities and it would be great if we could deal with that.”

Marcus Jones

45 Schools Built By Borno for Orphaned IDPs

The Borno Government on Wednesday said it had constructed 45 mega schools to cater for the education of children orphaned by Boko Haram insurgency in the state.

The Commissioner of Education, Alhaji Inuwa Kubo, told newsmen in Maiduguri that the schools were established in the 27 local government areas of the state.

Statistics by the government indicate that over 53, 000 children were orphaned and 50,000 women widowed by the insurgency in the North/East state.

Kubo, who spoke on the sideline of the humanitarian stakeholders’ forum meeting, said the projects were part of a deliberate policy, to enhance access to quality education for orphans and out-of-school children.


He disclosed that the schools were designed with state-of-the-art facilities such as e-learning devices, air condition systems, power generators and other modern educational accessories.


Kubo explained that meals, uniforms and instructional materials would be provided free to pupils in the schools, to create an enabling teaching and learning environment.

The commissioner revealed that the enrollment process of the children had commenced in the 27 LGAs, while the state government would embark on an awareness campaign to mobilise guardians to enrol their wards in school.

According to him, the state government has so far recruited 1,000 teachers to ensure the provision of quality services and sustainability.


“Already, we commenced recruitment of 1,000 teachers and plans are underway to recruit additional teachers for the mega schools.


While commending humanitarian and development organisations over their support to persons displaced by insurgency, the commissioner called on the organisations to provide scholarships for orphans and vulnerable children to enable them to pursue higher education.


He also called on the organisations to provide livelihood support for poor families and sensitise them on the need to enrol their children in school.

The News Agency of Nigeria (NAN) reports that the humanitarian stakeholders’ forum meeting was organised by the National Emergency Management Agency (NEMA), to appraise interventions, identify gaps and enhance collaborative efforts for emergency response services in the state.

Source: Tribuneng

San Jose boosts affordable housing funding for poorest residents

Becoming what is believed to be the first city to take such a step, San Jose is set to devote 45 percent of its available affordable housing funding toward extremely low-income residents at the greatest risk of falling into homelessness.

The City Council voted unanimously to approve the idea, which could help hundreds, perhaps thousands, of families, on Tuesday. The income required to meet the threshold varies, but a family of three making about $35,000 a year, for instance, would qualify.

“As you all know, these are the most vulnerable members of our community,” said David Low, a spokesman for Destination: Home, a homeless advocacy organization that supported the proposal.

“Oftentimes, I think we forget the folks on the bottom rung of the ladder,” said Councilman Sergio Jimenez.

Nearly three-quarters of these residents spend more than half of their income on rent, Councilwomen Maya Esparza and Dev Davis said in a memo, arguing that adding more affordable housing will help prevent further homelessness.

“We have a housing supply problem and we’ve had it for a really long time in the Bay Area,” Davis said at the council meeting. “We know we have to do better and we can do better.”

In endorsing their colleagues’ memo, Councilman Sergio Jimenez and Councilwoman Sylvia Arenas pointed out that the city had come close to meeting its market-rate housing goal.

“We owe our most vulnerable residents a stronger commitment,” the pair wrote. “These same residents are critical to our economic prosperity by virtue of their employment in the service industry, construction and other fields essential to our growth. It is in our best interest to guarantee that they can afford to live in San Jose.”

But Mayor Sam Liccardo said the city needs to add all levels of housing, pointing out that market-rate developments can help fund affordable units.

“We just need a lot more at all levels of income,” Liccardo said. “We need both.”

After residents narrowly defeated a 2018 affordable housing bond measure, Liccardo said the city is considering another measure in 2020 and exploring partnerships with foundations, although he declined to provide specifics.

Councilman Raul Peralez, who represents the downtown area, said he supports affordable housing developments but called on other council members to champion them in their own districts. It is getting “harder and harder,” he said, to convince his constituents they are a good idea when the developments are largely concentrated in one part of the city.

Jimenez thanked Peralez for his effort and said he’d pushed back at residents in his own district who opposed such a project.

“Even though it’s challenging,” he said, “I believe it’s the right thing to do.”

The council also voted to spend some $10 million converting market-rate housing into affordable housing.

Even though it won’t add to the overall housing stock, the City Council voted to devote the money to buying and rehabbing market-rate units as affordable. Developers will be able to propose purchasing a property with some city financing if they agree to an affordability restriction.

The move will “open the doors to creative solutions” to the region’s housing crisis, said the city’s housing director, Jacky Morales-Ferrand.

The need is pressing. Now, more than 40,000 families qualify for extremely low-income housing. Yet, there are less than 3,000 units available.

And even for families making a little more money, the housing supply is short and the city is nowhere near meeting its goal to add 10,000 affordable homes by 2023. By the end of the first year, 2018, the city was only about 20 percent of the way to that target. At the current pace, the city will only get 58 percent of the way there within five years.

According to the Housing Department, it would take a massive injection of funds — more than $520 million — to reach the ultimate 10,000 goal.

“We need to continue to work toward finding additional revenue for affordable housing,” Morales-Ferrand said.


Inspection scores decline in US-funded housing for poor

Research inspection has shown that living conditions are deteriorating in taxpayer-funded apartments for the poor, but landlords can still count on payments from the federal government

According to an Associated Press analysis of federal data, inspection scores have been declining for years at apartments assigned to low-income tenants. Meanwhile, few owners face serious consequences.

Most failing inspections involved urgent health or safety violations, which can range from electrical hazards to rats.





Louisiana and Mississippi had the highest inspection failure rates for rent-subsidized private apartments since 1999. Maryland and the District of Columbia fared worst in public housing.

U.S. Department of Housing and Urban Development spokesman Brian Sullivan says the agency is making inspections tougher, which lowers scores. He also acknowledges that older properties do not always get the repairs they need.

Source: News 1130


FHA to Build Low Cost Housing Units in States

The Federal Housing Authority (FHA) has promised to ensure that low income Nigerians yearning for housing allocations in the country benefited from its nearly completed housing scheme in Zuba, FCT and nationwide.

Prof. Mohammed Al-Amin, FHA Managing Director, made the promise on Monday during an inspection of its Zuba housing project site by the Minister of Power, Works and Housing, Babatunde Fashola.

Al-Amin said that the 764 housing units project which has gulped N3.7 billion would be inaugurated in August.



Fashola had earlier given directive to the authority during the inspection to ensure that young and common Nigerians yearning for accommodation benefited from the project.

The FHA boss assured that the authority would put arrangements in place to ensure that Nigerians that the houses were designed for actually get them.

“We have taken several measures to ensure that the end users are actually the common Nigerians. For instance, we are encouraging all sorts of groups to form housing cooperatives.

“Forming cooperatives does not only mean getting land and building the houses but there is consideration during the housing allocations.

“We are poised to do better in the finishing touches, especially in the toilet and rooms; these will be taken into considerations to come out with lesser cost for the housing.

The housing project which is almost completed with the houses roofed, is located within its target beneficiaries at Zuba Model Market, FCT College of Education and Zuba Spare Parts Market.

“That is why we choose this location in Zuba for these houses; it is not in Maitaima, Asokoro or Jabi rather we decided to come to the outskirt of FCT to build for some specific Nigerians who must have these houses,” he said.

He said that another mass housing work is ongoing in Kwali and Bwari with labourers on ground so that those who could not afford to stay in the central business district or hinterland can get houses at the feriferi area.

“We have another type of housing called Affordable Nationwide Housing Project just like we have started this one as pilot in FCT we are piloting Kastina and Ibadan once they are completed we will replicate it all over the country.

“For the nationwide affordable housing, it is going to be across the local government in state capitals. Presently, we have profiled 46 sites which after the pilot scheme in Ibadan and Kastina we will now deploy resources to all those places,” he said.

Earlier, Fashola had commended FHA for not compromising on the quality of the building materials used for the housing estate, adding that when completed it would be of globally competitive standard.

“We are trying to get what fits the pocket of ordinary Nigerians and the Federal Government is very determined on the housing projects; it will be efficient but not luxury.

“It will meet the global minimum competitive standard of public housing in terms of its fittings and finishing

“Affordability has to do with how much you can pay and how you pay there. There is a mortgage system in place and we have reduced the equity contribution of the mortgage system to boost affordability,” he said.



Fashola said that people, who would take up the houses, were expected to equally have Mortgage finance from the Federal Mortgage Bank of Nigeria (FMBN).

According to him, if you are working for the next 20 years, if the house is N10 million, it should be affordable for you if the payment method of monthly deduction is placed over your working career,” he said.

He further said that the ministry was also looking at “Rent to Own” scheme so that if one could not buy and could not get mortgage, one could rent and start contributing through house rent to become the owner later.

He was overwhelmed that the project has employed about 10,000 persons including suppliers, workmen, builders and artisans, saying that more would be employed at the fitting stage.

Source: Housing News

The Five Affordable Markets Where Housing Values are Tipped to Rise

With the nation’s slowing property market, suburbs across the country have seen stagnation in price values.

Analysis by has identified key suburbs with median prices around the $500,000 mark forecast to grow in value come 2022, identifying markets such as Karabar in New South Wales Queanbeyan region which it expects to rise by 28.8 per cent across the three year period.

While the $500,000 benchmark price range eliminated Sydney and Melbourne offerings from the final list, the top performing suburbs were identified in New South Wales, Queensland and South Australia. head of research Jeremy Sheppard says the markets making the top five list are forecast to grow in value by up to $150,000 across the next three years.

Top five house markets circa $500,000 over three years

StateAreaSuburbCurrent medianForecast 3-year % growthForecast 3-year $ change
NSWCanberra – QueanbeyanKarabar$522,98628.80%$150,620
QLDToowoombaMiddle Ridge$524,49023.90%$125,353
NSWNewcastle – MaitlandAshtonfield$538,22723.20%$124,869

Sheppard says the new proptech platform enables property owners to determine whether they should sell or hold their assets based on an algorithm that calculates potential capital growth in 6000 markets across Australia.

Karabar, roughly 18 kilometres from Canberra CBD, in the Queanbeyan region of New South Wales is forecast as the number one house market for this price bracket according to the proptech analysis.

With proximity to Canberra, Karabar benefits from its location near the nation’s capital, considered a commuter region for public servants.

Recent Corelogic data shows housing values were down across six of the eight capital cities, with the exception of Canberra and Hobart values according to the March Index.


Second spot went to Middle Ridge in Toowoomba. The analysis forecasts its median house price will increase by up to 24 per cent, or $125,000, in the next three years.

“Middle Ridge is one of Toowoomba’s premier suburbs and is located in a region with a strong local economy as well as a number of large infrastructure projects, including the Toowoomba Wellcamp Airport, which was Australia’s first privately funded major airport,” Sheppard said.

While South Australia’s Seaton in Adelaide took the third spot.

Seaton has proximity to both the beach and city, with the research showing its median house price is forecast to grow by around $119,000 in the next three years.

Bottom five house markets circa $500,000 over three years

StateAreaSuburbCurrent MedianForecast 3-year % growthForecast 3-year $ growth
WAPerthPiara Waters$495,6243.60%$17,842
QLDBrisbaneBahrs Scrub$490,4324.90%$24,031

The research also identified the bottom five national locations where prices are expected to stagnate in the same three year period.

These suburbs called the Northern Territory, Western Australia and Queensland home.

Darwin’s property market peaked in late 2010 and is still suffering from the end of the mining boom. Home to suburb Rosebery which tops the list as likely to record a price fall of about $3,150 over the three year period to 2022.

Sheppard said the bottom performing suburbs were all located in markets that had struggled in recent years, with the exception of Bahrs Scrub in Greater Brisbane’s Logan region.

“Which is partly due to there being ample land available for new supply in that market,” Sheppard said.

Source: Dinah Lewis Boucher

Secretary of State for Housing pledges planning reform green paper later this year

Home builders have welcomed a pledge from the Government to reduce planning delays, increase the capability of local planning departments and improve procedure to accelerate the end to end planning process.

Secretary of State for Housing, James Brokenshire told the Home Builders Federation’s policy conference that quality counts and it is not simply about getting the numbers up.

But he pointed out that for the first time in 10 years home ownership amongst 35 to 44 year olds is up and in 2018 more new homes were built than in any other year bar one of the previous 31.

‘I don’t want to tell people what to build, but I do want to ensure that the next generation of homes we build are ones of which we can be proud. And I know that there are a number of developers who are delivering on this, who are following through on this, and I think are setting that lead for the industry but we cannot be blind to the wider challenges the industry faces,’ he told the conference.

‘Businesses need to make money to be viable, absolutely yes. But the public looks at some companies’ profits and bonuses and wonders how they tally with extensive snagging, unfair leases and a seeming lack of understanding of the responsibility they have towards customers who are left struggling and out of pocket,’ he pointed out.

‘For most people, buying a home is one of the biggest financial and emotional investments of their lives and for that to go from being a cherished dream to becoming a nightmare of snagging problems months after moving in, and punitive costs, is simply unacceptable,’ he added.

Brokenshire also explained that as well as good quality homes, new homes need to be built faster and to do that there needs to be a reduction in planning delays that hold up good developments.

He revealed that the Accelerated Planning green paper, mentioned in the Spring Statement, will be published later this year to look at how greater capacity and capability within local planning authorities, better performance management and procedural improvements can accelerate the end-to-end planning process for all.

Richard Beresford, chief executive of the NFB, welcomed he address. ‘The housing crisis is the greatest challenge to social equality that we have in the UK. The Government must prioritise it. By building more and understanding how we physically get more quality homes built, we can make really positive changes to our communities,’ he said.

Rico Wojtulewicz, head of housing and planning policy at the House Builders Association, explained that when Ministers utter the words, planning reform, the industry gets quite excited.

‘Getting permission to build is a painful, slow and desperate process, especially for SMEs. Reforming it will go a long way to helping solve the housing and skills crisis,’ he added.

Source: PropertyWire

Family Homes Funds set to provide 5000 homes to Low income earners in Kaduna

Family Homes Funds has reached a ground breaking agreement with the Kaduna state government to provide comfortable and affordable homes to low income earners in the state.

While speaking at the 40th Kaduna Int’l trade fair, Mr. Femi Adewole said that this novel housing project will benefit many people who wouldn’t have dreamt of owning a home of their own. It is a great opportunity for informal sector creatives like carpenters, welders and all other artisans who wants to buy a home at the most affordable rate.

According to Mr. Adewole, Plans have been made to begin the design of the 5000 homes where at least 70% of them are no more than 3 million naira for the sake of affordability.

“We are very bullish about this and this is a positive direction for Kaduna and everyone involved in this,” he said.

Speaking further, he mentioned that the project will be actualized with great success because some of the major issues like land tenure system, the foreclosure law and other foundational policies have already been handled by the Kaduna state government.

According to Adewole,Family Homes Funds is the largest provider of construction finance in the country and is committed to cater for the growing housing needs in the country.

In achieving this, they are poised to raise nothing less than N200 billion to actualize this goal. “When we build the houses, we also have to create an opportunity platform for the people to be able to buy them “he said.

Family Homes Funds is creating a Home Loans Assistance Programme, the absence of which has always been a barrier to those willing to own their own home but unable to access credible loans for them.

Those looking to benefit from this opportunity will get over 40% of the cost of the house borne on their behalf by the company.

The ground-breaking project has been praised by many who believe that this is finally a great opportunity for the poor to own their own homes.

Family Homes Funds is increasingly winning the goodwill of most Stakeholders involved in the provision of quality and affordable homes in the country. Both donor organizations, governments and the beneficiaries have expressed their confidence in FHF, and the newly approved Kaduna 5000 affordable homes is another milestone.

Source: HousingNews

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