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Housing: Lagos To Train 1,000 Artisans In 2018 To Tackle Skill Gap

The Lagos State Commissioner for Housing, Mr Gbolahan Lawal says the state government will train 1,000 in 2018 under its Master Craftsman Project to tackle skill gap in the construction industry.

Lawal made the disclosure in an interview with housing News on Wednesday in Lagos.

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The commissioner said that the state government had a target of training 4,000 but had so far trained 170 due to funding constraints.

He said the training of 1,000 artisans would be through private sector collaboration in conjunction with other agencies of the state government.

“So far, we have trained 170 people; our focus is to train 4,000. Our target for 2018 is to train 1,000 people working with the private sector,” he said.

The commissioner said that the state had to move to bridge the skill gap because ageing skilled artisans were not being replaced.
He said the development was causing a vacuum, leading to Nigeria relying on foreign artisans.

Lawal listed the Lagos State Technical and Vocational Education Board (LASTVEB) and Ministry of Wealth Creation and Employment as some agencies supporting the training of the artisans.

“All the concerned agencies of government are working toward ensuring that we up scale the skills sector of our workmen so that we do not have to import jobs as we currently do.

“We are looking at working with the private sector and a couple of them have come to us.

“We want to see how we can co-fund the project because the deficit is huge in terms of craftsmen-people that we really want to give skills- but only government funds cannot do that,’’ he said.


He said the state government was filtering agencies in the private sector that signified intention to be part of the project.

According to the commissioner, the filtering is necessary to ensure that government partners with the right set of agencies in the sector.

“That is why we delayed but very soon, we would hit the ground running.”

The state government had in June 2016 inaugurated the Master Craftsman Project to bridge the skill gap in the construction and building industry through up to date training for artisans.

Estate Surveyors Urge Federal Govt. To Invest In Real Estate

The Nigerian Institution of Estate Surveyors and Valuers (NIESV) has called on government at all levels to invest more in the provision of real estate and infrastructure to boost the nation’s economy.

The National President of the Institution, Dr Bolarinde Patunola-Ajayi, said this on Tuesday at a news conference to showcase activities for the 48th annual conference and Annual General Meeting (AGM) in Ibadan.

He said that government at all levels should do a proper planning for real estate development as part of efforts to sustain growth of the nation’s economy.

“Dubai today depend totally on real estate, and it is one of the fastest growing economy in the world hence Nigeria should strive to invest in the sector,’’ he said.

He said that the country was facing a lot of deficit in the sector, which must be tackled by all and sundry.

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“If you are doing a single housing unit, you will have opportunity of creating job employment for a whole lot of people starting from the labourers up to the suppliers, so there is a lot of activities going on in the real estate,’’ he said.
On the area of quackery, the president said that the institution was doing a lot at reducing quackery in the profession which he described as a “menace to the nation.’’

He said one of the ways to fight the menace was to strengthen the laws that established the institution.

“Of course we are aware that many quacks roam the streets parading themselves as surveyors, the public should be wary of contacting these quacks to avoid being duped,’’ he said.

He said that the conference, which has as its theme: “Real Estate and Infrastructure as Drivers of National Economic Development’’, will have 4000 members and other participants.


“This conference, which is a five-day event will bring together professionals in public and private sectors to address vital issues of interdisciplinary and ethical concerns in infrastructure development,’’ he said.

Housing plan provides jobs for women, artisans

A Federal Government housing plan for women and artisans is also providing jobs, reports Olugbenga Adanikin

Dorothy Yinusa is a 20-year-old indigene of Nasarawa State. Like many unemployed youths, survival has been a daily challenge but relief came when she got the news of a housing project by the President Muhammadu Buhari administration. Without delay, she moved as fast as she could from her base to the project site of the Federal Government National Housing Project located along Shendam Road, Keffi.


The motive was simple: she saw an opportunity and grabbed it. It was to sell food to skilled and unskilled workers at the project site.

“It is this project by Buhari that made me relocate to this town and open my shop,” she said. “Before now, I didn’t have a shop but this project has helped me own a shop where I sell food to the workers. It has really helped me because each day I make about N15,000.”

Miss Yinusa is making good money from the housing project. Beyond that, she found her true love, Andy Shuaib to whom she got married. She is now expecting their child.

“Before now, my mother was the one taking care of us. I don’t have children yet but working in this site helped me get married, now I have my husband and am pregnant as well.”

The story of Mrs. Salome Ahonye, a food vendor at NHP, Utuu community, Benue State was not different. Unlike before, she was jobless but currently makes daily sales of N12, 000 from the fast business.

She said, ”I sell food to the workers on daily basis, and I make between 10,000 and N12,000 daily. If sales are poor, I could make N7,000.”

The condition of 43-year-old Mr. Sunday Tchoji was not pleasant, having two wives and seven children with no resources to take care of their welfare. But respite also came when he got the offer to work at the Laminga, Jos project site as a labourer.

“This work has helped me to feed my family and enroll them at school based on my financial strength. That is the way I have benefitted from this work.”

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In Nasarawa, the state governor, Alhaji Tanko Al-Makura provided 100 hectares of land for the construction of the National Housing Programme (NHP). This is in addition to the already donated 10 hectares used for the phase one of the home projects.

The governor said at a media inspection of the projects in Lafia that the state has no policy on mass housing, necessitating the intervention by the federal government. Al-Makura, who was represented by Director of Public Building, State Ministry of Works, Mr. Aliyu Kuyanbana, said the allocation was part of existing 10 hectares already offered for the national housing project.

“10 times of what we are witnessing here is being earmarked for the federal government project. So we are ready at any time,” Al-Makura said.

The NHP in Nasarawa has about 78 units of flats consisting two and three bedrooms and it is about 90 per cent completed. The Benue project overall has 72 units of flats,40 per cent completed while Plateau project located in Lamingahas 80 units of flats, proximity to the road and 80 per cent completed.

Statistics have shown that about 17 million people are homeless nationwide. This is different from stunning statistics of those who live in slums across the country.Though, reliability of the data remained a thing of concern. The Minister of Power Works and Housing, BabatundeFasholaat his maiden media parley shared his plan to partner state governments in order to nip the situation.

“For your information, we are piloting a housing programme and currently constructing in 33 states of Nigeria. We do this to validate and test what type of housing design responds to Nigeria’s diverse cultural, climatic and religious needs, so as to ascertain what is acceptable and affordable.

“We are at different stages of construction in different states, and we have commended these designs to FHA, without imposing them. Our decision is informed by the evidence of previous housing initiatives that people did not take up and empty houses that still abound in almost every state of Nigeria.

“These untaken houses, and the deficit of Housing, suggests to us that the untaken houses are either unacceptable or unaffordable or both. We see housing as a product, and we take the view that before they can be delivered to market, we must know what the people want and what they can afford,” Fasola said recently at the inauguration of a new FHA and FMBN board in Abuja.

Beyond affordability, the cost of raw materials, land title, mortgage financing are other huge factors threatening the mass housing drive. However, to address the problem, the federal government came up with a special mode, though the pilot project built to reflect socio-cultural differences of the people.

“When our pilot is fully completed, these answers will become self-evident and this is when we can mass produce. There is certainly nothing that stops FHA from undertaking other designs of housing if she can find a market for it, and she can deploy the income to cross-subsidise and make mass housing more affordable.

“As for the financing side, this is critical to affordability and it is as much the function of FHA in cost management and delivery as it is that of FMBN in delivering mortgages of affordable tenures and costs. Since May 2015 to date FMBN has issued 2,724 mortgages worth N20.237BN to assist Nigerians buy their own homes; under the National Housing Fund.” The Minister added.

Host communities in some of the states are gradually taking ownership of the project, except for those insisting on compensations. Al-makura acknowledged that prior to the project, there were no housing programme in the state except for the recent partnership with the federal government and need to work on next phase of the programme.

About 78 units of 3 and 2 bedroom flats along Shendam Road, Lafia was part of the affordable housing projects piloted by the ministry in 2016which has gotten to 90 per cent completion.Nearby block industry owned by Mr. Adamu supplied 90 per cent of the bricks used for the construction project.

The Ministry Zonal Director, Engr. Julius Olurinola, during an inspection said the project was developed to address housing need and create jobs for the people. He explained that aside from the builders, carpenters, suppliers, painters among other artisans, food vendors benefitted from the project including other indirect jobs created.

Olurinola, who is also the ministry’s Director of Engineering, emphasised the importance of the projects to residents. Based on his position, it will largely benefit citizens in the state irrespective of the social class.

During the project inspection in the state, it was gathered that 19 contractors were involved in its implementation in Nasarawa State. Chairman of the contractors, Mr. Godwin Obiora, told our reporter how they have largely benefitted from the initiative while he lauded the federal Government for the gesture. ‘There is prompt payment of our outstanding benefits; the project is close to town, easily accessible, thus would be quickly acquired by the people”.

FG, ‎estate developers brainstorm on affordable housing

Fred Itua and Okwe Obi, Abuja

The Federal Government and Real Estates Developers of Nigeria (REDAN), on Tuesday, in Abuja, brainstormed on how to develop affordable houses for Nigerians.

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Declaring a workshop for real estate developers, with the theme ‘Enhancing Real Estates Development Through Collaborative Effort open, Minister of State (2) for Power, Works and Housing, Suleiman Hassan, explained that the Federal Government’s plan to solve the scarcity of houses for Nigerians in the bud, was ongoing.

He stated that with the planned and sustained partnership with the private sector, more houses will be sufficient to meet the needs of the teaming population.

On the part of REDAN, it warned the Federal Government against giving licenses to land speculators, which, according to the professional body, would continue to make houses unavailable and unaffordable to Nigerians.

REDAN also stressed that the only way houses can be available and affordable, considering the increase in population, was for the Federal Government to embark on infrastructural development and create of access roads.

President of REDAN, Mr. Ugochukwu Chime, pledged that the association would not rest on its oars in ensuring that houses remain available and affordable to Nigerians.


Chime frowned at the high rate of interests collected from members which according to him is a limiting factor.

“REDAN will not rest on her mission to forge a common unity of purpose in the real estate sector,” he vowed.

He added that “after a careful appraisal of the challenges in the real estate environment, REDAN in 2015 set an ambitious agenda of building a strong institution with enhanced succession internally, and a coalition of collaborators with stakeholders. That effort is burgeoning and eventually crystallize to the desired efforts to change the real estate landscape of Nigeria.”

Still speaking on the workshop, Chime, stated that the data that will emerge from the exercise will enable appropriate planning, forecasting to take place and justification for some of the envisaged intervention by government.

Gov. Ugwuanyi committed to affordable Housing – ESHDC Boss

The Management of Enugu State Housing Development Corporation, ESHDC, yesterday, unveiled its in-house quarterly Magazine, ‘Housing Tide’, flowing from the Corporation’s commitment to propagate the housing policy of Governor Ifeanyi Ugwuanyi of Enugu State to provide affordable housing for the people.


The 52 page Magazine, which is the authoritative source of the Corporation’s information, especially in the areas of subsisting houses and location of serviced plot for sale, according to the General Manager, Hon. Chukwuemelie Agu was part of the innovative measures adopted to project and promote the good works of the governor in other spheres of the economy.

He added that Gov. Ugwuanyi‘s administration through the Corporation had done a lot in housing estates such as Citadel, Heritage, WTC, Valley, Rangers 1&2,Transparency and Sandview springing up with decent facilities in the cities and rural areas, disclosing that the establishment has designed more programme to accommodate the interest of the masses.

While unveiling the maiden edition at the Board Room of the Corporate Headquarters, Hon. Agu explained that, “the Governor’s housing policy has received resounding commendation within the state and beyond” stressing that “the management established this quarterly Magazine, ’Housing Tide’ to further highlight, document and promote the administration’s efforts in the sector”.

According to him, “historically, the housing policy of this administration marks a paradigm shift from the old order as evidenced in the number of affordable housing estates; Citadel, Heritage, WTC, Valley, Rangers 1&2,Transparency and Sandview springing up with decent facilities in the cities and rural areas.

“The Magazine which will apart from being self-sufficient, will serve as another stream of Internally Generated Revenue, IGR, for the Corporation.

“This magazine, which is the corporation’s flagship, will promote a more effective interface with the public and disseminate these laudable achievements to the consciousness of the people even as the 2019 general election beckons and beyond.

“It will equally foster good relationship between ESHDC and its clients, the media community and the general public. Issues emanating in the media will be addressed in a manner that government’s interest, policies and actions are constantly portrayed in a good light.

“Housing Tide is an in-house tabloid of ESHDC which aims to promote other government’s policies, highlight ESHDC projects, programmes and events as well as the pronouncements/activities of the management of the corporation.

“Furthermore, it dwells extensively on ESHDC activities within the confines of government’s housing polices but also presents a generous content from the activities of institutions and organizations involved in housing and real estate development within Enugu State and beyond”.

Continuing, the Housing boss revealed that the Magazine is segmented to accommodate Health, Law, Housing Crime/Court, Metro, Interview, News, Features, Issues, Governance, Events, Site Visits, Pictorials segments.

The quarterly tonic, which is a must read for Financial/Mortgage Institutions, real estate bodies/developers, religious bodies, academic institutions, legal bodies, blue-chip industries, cooperate bodies, communities and investors will circulate nationwide.

Nigerian Govt To Partner Morocco In Energy, Housing

The Federal Government says it is working out modalities to partner with Morocco in housing and energy.

The Minister of State for Power, Works and Housing, Mr Mustapha Shehuri said this interview with Housing News on the sideline of the Crans Montana Forum in Dakhla, Morocco.


Shehuri said he had met with his Moroccan counterparts and begun discussions on investment opportunities.

“Our energy sector needs a lot of investment and I have seen the successes recorded here and we are going to partner with them to advance the energy sector in Nigeria.

“I also had a meeting with the Minister of Housing.

“Housing is a very serious problem in Nigeria; we have about 17 billion in deficits of housing and we have started a pilot scheme of the national housing programme.

“To provide more houses, we will need investment from outside; the framework is there but financing the project is a huge task.

“I have also invited our Moroccan counterparts to Nigeria so we can discuss how we can partner to provide affordable houses for Nigerians,” he said.

The minister also said that the forum was a platform for enhanced international cooperation.

Also speaking, Sen. Foster Ogola (Bayelsa West), a representative of the ECOWAS Parliament, also said the forum was a “network of development partnership and creating synergy”.

“The Crans Montana Forum is not a forum for Morocco to win sympathy to be a member of West Africa.

“The application of Morocco to be part of ECOWAS is not yet formal; none of the ECOWAS articles of association provides for any country applying to be a member of ECOWAS. It only provides for exit.

“Until provisions are made for admittance, it is impossible to do anything,” Ogola said.

The Crans Montana forum, held annually since 1986, is aimed at strengthening solidarity in the economic, social and environmental development of the continent.

It is also aimed at enhancing relationships with countries globally, notably in the framework of the South-South Cooperation.

High points of the forum include presentation of the Prix de La Fondation 2018 award to Mrs Debbie Remengesau, First Lady of the Republic of Palau.

Other recipients were Mr Mustapha Cissé Lo, Speaker of ECOWAS Parliament, and Mr Michel Martelly, Former President of the Republic of Haiti.

The prize is presented every year to some exceptional personalities working tirelessly for a more “humane world”.
Another award presented was the Crans Montana Forum’s Gold Medal.

The medal, a high-profile honorary distinction that celebrates exceptional achievements and actions toward humanity was presented to Mrs Obiageli Ezekwesili, Nigeria’s former Minister of Education.

Ezekwesili is also a former African Vice-President of the World Bank.

Mr Sun Xiansheng, Secretary-General of the International Energy Forum also received the award.

Mortgage Financing: Fuller, set to hold 1st Housing Seminar.

The Millard Fuller Foundation is set to hold its first Quarterly housing seminar with the theme: “Affordable Mortgage financing for the Informal Sector: the way forward.”

The seminar which is strictly by invitation will take place at the Corporate Headquarters of the Millard Fuller Foundation on Thursday, 22nd of March, 2018 and will have in attendance experts from the mortgage financing sector in Nigeria.
The seminar is expected to be a quarterly event which will bring together on a round table, experts and professionals in the housing sector to proffer workable solutions to the numerous challenges bedeviling the housing sector in Nigeria.

The half-day program will include an introduction of the new underwriting standards for the informal sector by the Nigerian Mortgage Refinance Company (NMRC), as well as an overview of the new ‘My Own Home’ program by the National Housing Program of the Central Bank of Nigeria. In addition, we will have an overview of the role of the Federal Mortgage Bank of Nigeria (FMBN) in supporting the informal sector.

For the private sector, we will consider the first hand experiences of two groups – LAPO MFB & The Assured Group – who are implementing innovative products directed at cooperatives & the informal sector in general.
A site tour of the 1,000-unit affordable housing community being developed by the Family Homes funds will follow immediately afterwards.

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Abuja beautiful houses are occupied by Rats, lizards – NIOB President

The President of the Nigerian Institute of Builders NIOB) Kenneth Nduka, has said the inability of Nigerians to buy or rent houses is the major factor responsible for the large numbers of unoccupied houses in Abuja and some major cities in Nigeria.
He said despite the huge housing deficit in the country houses in Abuja are not designed to recognise the classes of people in terms of income as beautiful houses in Abuja are occupied by lizards, spiders, rats and rodents because people can’t afford the rent.


Nduka made this disclosure recently in Abuja while speaking with journalist at the Real Estate Exhibition.

He said one of the reasons many people come to work in Abuja from the outskirts is because houses are on the high side adding that housing in Abuja is not designed to recognise the classes of people in terms of income.
The president said the way forward is for professionals to be drafted into the processes of housing delivery both at its design and the implementation level.

“Someone has to ensure that the right needs of occupants are provided. That’s the only way to ensure that needs satisfaction can be interfaced so that houses will be built and people will be able to occupy them,” he said.

Mortgage operatives propose trustees for National Housing Fund scheme

After an initial effort that eventually turned out to be a ‘false start’, a fresh move to facilitate the mobilization of fund for the provision of houses for Nigerians at affordable prices may be in the offing. The move would rejuvenate mortgage sector as part of the wider plans of overhauling housing financing institutions in the country.

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Coming under the National Housing Fund (NHF) bill 2017, which attempts to repeal Act CAP 45 laws, before the National Assembly, the scheme is aimed at ensuring the constant supply of loans to Nigerians for the purpose of building, purchasing and improvement of residential houses as well as providing incentives for the capital market to invest in property development.

NHF is a Federal Government scheme, which entitles all Nigerians above the age of 21years in paid employment to a low interest, government funded loan. Members of the scheme contribute 2.5 per cent of their monthly salary to the fund through Federal Mortgage Bank of Nigeria (FMBN).

Currently, the maximum amount obtainable under the NHF used to be N5 million but has since been increased to N15 million. The borrowed capital is repayable over a maximum of 30 years at the rate of 6 per cent interest.

Statistics show that the fund reached N191.9billion in March 2016, from 4.14 million registered contributors under the NHF scheme. About N5.9bn had been refunded to 118,284 individuals, while over 70 per cent of the cumulative collection was recorded in five years. NHF has financed the construction of about 25,606 housing units and advanced 16,506 mortgage loans.

Under the bill, FMBN will continue to manage and administer the fund, but the Mortgage Banking Association of Nigeria (MBAN) recommends that the National Assembly restructure the NHF into the National Housing Trust Fund (NHTF) scheme, to enhance the fund’s integrity, making loan access easier and more affordable.

Specifically, MBAN wants the role of the FMBN to be limited to managing the fund for a fee while overall policy formulation and supervision of NHF scheme rests with the board of trustees. This is proposed to capture, retain and maintain the continued confidence of stakeholders, particularly contributors.

MBAN Executive Secretary, Mr. Kayode Omotosho confirmed the development. He told The Guardian that the proposed NHTF board of trustees should be different from the board of the FMBN to allow proper accountability and achieve the goal of affordable housing for Nigerians.

The Guardian learnt the mortgage banks also want the fund to be under the Presidency who appoints chairman of the NHTF board instead of the Minister of Power, Works and Housing.

In the proposed bill, the minister will determine terms and conditions for loans from the fund as well as specify the conditions and the terms of repayment of any loan obtained under the NHF.

The law says that any loan granted by FMBN to a mortgage institution will be secured by a block of existing mortgages under cover of sales and administration agreement to be executed between the supervisorybank and mortgage institution.

The bill stipulates that a Nigerian worker earning an income of N10, 000 and above per annum in both the public and the private sectors of the economy will contribute 2.5 per cent of basic monthly salary to the Fund. An interest rate of 4 per cent will be payable on the contributions.

The law also makes it mandatory for every commercial or merchant bank to invest in the fund 10 percent of its loans and advances at an interest rate of 1 per cent above the interest rate payable on current account by banks.

Similarly, every registered insurance company will invest a minimum of 20 per cent of its non- life funds and 40 per cent of its life funds in real property development of which not less than 50 per cent will be paid into the fund through the FMBN at an interest rate not exceeding 4 per cent.

Likewie, every registered Pension Fund Administrator will invest a minimum of 10per cent of its pension funds and assets in real estate development investments, while the Federal Government will make adequate financial contributions to the fund for the purpose of granting of long term loans and advances for housing development.

Failure by any commercial/merchant bank to pay to the bank any amount to pay to the Bank any amount due will be regarded as a contravention of this bill and constitute one of the grounds for the Central Bank of Nigeria to cancel the registration of any commercial or merchant bank in default. The same applies to insurance companies.

Meanwhile, the penalty for failure to deduct contributions is to be increased from N50,000 to N5 million in case of corporate bodies while the staff responsible for the NHF deductions and remittance will be liable to a fine of N50,000 (instead of the existing N20,000) and a prison term of five year or both.

For self-employed persons who fail to make deductions or deduct and fail to remit to the Bank will be liable to a fine of N50, 000 (instead of the existing N5,000) or to imprisonment for a term of one year or to both.

The proposed law also criminalises obstructing the deduction and remittance of NHF. The penalty for this will be increased to N20, 000 (from current N5,000) or imprisonment for one year.

The bill imposes a penalty of N1 million for a corporate body (currently N50,000) and N50,000 for an individual (from current N5,000) for producing false documents or to imprisonment for a term of one year or to both such fine and imprisonment. The Federal High Court have jurisdiction to try all offences under this bill.

Nigeria: FMBN to Remove Equity Payment in Estates

In its determination to guarantee affordable housing to Nigerian workers, the Federal Mortgage Bank of Nigeria (FMBN) has vowed to remove equity payments in its completed estates across 10 states that would be used as a pilot project for soon to be launched rent-to-own scheme.


The managing director of FMBN, Ahmed Musa Dangiwa, an architect, stated this in Abuja while receiving eight-man delegation from the Nigeria Institute of Management (NIM) led by its president, Prof. Olakunle Iyanda.

According to him, “They (beneficiaries) will enter into the house as a tenant, while paying the rent and it will become theirs over the years”.

He noted that the bank has continued to sponsor it’s staff to NIM professional development programmes yearly and would continue with the trend in order to enrich the bank human resources.

The MD revealed that the bank was established by an act to provide affordable mortgages that would boost home ownership among Nigerian workers particularly the low and medium income earners that constituted over 80 percent of the population.

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“Its been done through the National Housing Fund (NHF) scheme into which workers mostly in public and private sector contribute 2.5 percent of their monthly income into the fund”.

Dangiwa emphasised that the bank has continued to provide affordable mortgages to workers and construction finance to some developers for housing development through the scheme.

He was optimistic that the NHF which he described as individual mortgage loans are granted at 6 percent interest rate, considered as the lowest and most affordable in the country.

“We have the FMBN home renovation loan with liberalised conditions for easy access by workers which is being run now of which workers are given a minimum of N1million to renovate or upgrade their homes”.

The MD urged NIM members to take advantage of the banks mortgage products so as to act as good ambassadors of FMBN.

He was hopeful that the institute would continue to uphold the standards for which it has been known over the year even as he assured of FMBN commitment towards the sustanance of mutually beneficial realtionship between the two organisations.

Responding, the president of NIM, Prof. Olakunle Iyanda said that the institute is ready to contribute its quota towards enhancing the success story of the bank through the training programme offered to FMBN staff.

He however invited FMBN to join NIM as a corporate member just as he appealed to the bank to pay the annual subscription of its staff who are members of NIM.

“We want to establish the mutually beneficial relationship to participate in the training of your staff periodically either as nominees to various training programmes that we run or as facilitator for your internal programmes for selected group of staff in the bank”, he concluded.

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