Real estate sector’ll achieve sustainable growth – Experts

 

Property experts have predicted that the nation’s real estate sector will achieve sustainable growth.The experts stated this ahead of the annual West African Property Investment Summit slated to hold in Lagos in November, with the theme, ‘Recalibrating Supply and Demand for Sustainable Growth’, according to a statement.

The summit’s host, API Events’ Kfir Rusin, said, “The market has undergone a shift, which is most evident in the changing retail and office occupier market. To help our 500 delegates unpack these changes, we’re pleased to announce that we’ve secured more than 60 well-known regional and international thought leaders to speak at the #WAPI2018.

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“We’ve witnessed continued development across Africa and Nigeria, and as an African bellwether economy, what happens in Nigeria sends ripples across the continent from an investment and trend perspective.”

The Chief Executive Officer, Broll Nigeria, Bolaji Edu, who is expected to speak at the event, is said to be well positioned to gauge how the market has recalibrated post-recession

He was quoted as saying, “If we analyse the grade-A office market in Lagos and the overall retail mall market following the economy entering a deep recession in 2016; take-up dropped by approximately 40 per cent (offices) and 55 per cent (retail) between 2016 and 2017. However, as the economic recovery strengthens, we have seen numbers flatten out, and we expect to see an increase over the whole of 2018 from the low point of 2017.

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“The market has begun to rebase itself down from a level where rent levels and capital values in parts of Lagos were comparable to the wealthiest cities in the world such as New York and the outskirts of London.”

According to him, this is most evident in the reducing rates in the commercial and retail sectors, which are now at more sustainable levels.

“Developers and investors in the market are examining building size and design that better reflect the target market. It is important to entertain best practices and the latest trends from around the world, but we need to tailor our projects,” Edu said.

He added that the region’s market size and growing demand from the middle class meant that retailers and companies still wished to establish a presence in Nigeria.

However, they are looking at this more strategically taking into consideration both the potential risks in addition to the incredible upside opportunities. International investors and retailers are seeking more partnership opportunities,” Edu noted.

 

Femi Asu

Nigeria needs $3tr to bridge infrastructural deficit, says Wabba

 

Nigeria Labour Congress (NLC) President Ayuba Wabba has said Nigeria will need about $3 trillion in the next 26 years to bridge the infrastructural gap in country.

The National President of National Union of Civil Engineering Construct, Furniture and Wood Workers (NUCECFWW), Comrade Amaechi Asugwuni, attributed the dearth of infrastructure in the country to massive corruption and what he described as irresponsibility of the federal, state, and local governments.

Speaking at the Infrastructural Summit and 40th anniversary of the National Union of Civil Engineering Construct, Furniture and Wood Workers (NUCECFWW) yesterday in Abuja, Wabba said the importance of  infrastructural development as a nation cannot be overestimated.

He said the country was suffering from several infrastructural deficit that has affected the various sector of the national economy, pointing out that sectors that have suffered mostly includes the energy, transport, railways, roads, inland waterways, education, housing, agricultural sector and the information communication technology, among others.

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According to him, the World Economy Forum state that every dollar spend on infrastructure has a potential to generate between five to ten per cent of economic growth and therefore this is very central and key.

“This potential is important as it has been estimated that Nigeria needs at least three trillion us dollars in the next 26 years to bridge the infrastructural gap in the country. As this will transform our vast potentials into concrete social economy tangibles and this will also require about 100 billion dollars capital investment annually, ‘’he said.

He lamented that despite the enormous resources available to the country, Nigeria has not be able to attain to its potentials as it concerns infrastructure in the country.

He said “for instance if you look at our population of closed to 200 million and we are still struggling to keep our electricity generation at less than 4000 megawatt while South Africa are at 55million megawatt.

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“No doubt that is why our industries cannot operate at full potential and there is no way we can address the challenging issue of unemployment in the country. So, infrastructure is the key to addressing multifaceted development, from the issues of poverty, unemployment, insecurity.

“Therefore your union is very central  and that I am very delighted that you chose this theme to look at infrastructural development in our country and how to work the talk, ‘’Wabba said.

Also Prof. Stephen Ocheni, Minister of State, Labour and Employment said policies of the present administration were gear towards addressing the infrastructural deficits in the country.

Ocheni said that infrastructure was the key to national development as it would address the issue of unemployment, security, among others, adding that the lack of infrastructural development in the country was due inappropriate policies and lack of continuity by the past administration.

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“I want to assure you that the present administration attach great importance to capital projects and is determined to continue with viable  projects and so we are vigorously pursuing it, ‘’he said.

Africa’s Environment Ministers call for action through innovative solutions

 

Under the theme “Turning environmental policies into action through environmental solutions”,the ministers came together from 17 to 19 September to mobilize political support and committed to integrate innovative solutions into their countries’ national development agendas.Guided by global environmental concern, ministers of environment and government representatives of African nations have committed to promote and invest in innovative solutions while implementing concrete actions to overcome environmental challenges facing the continent.In a ministerial declaration the African governments agreed to enhance innovative environmental solutions and capacity building of human capital to achieve sustainable development in Africa. 

Committing to enhance their countries’ efforts to implement policies, legislation and programmes promoting innovative solutions, the ministers called on UN Environment Assembly and UN Environment programme to increase support to African countries as well as facilitating access to innovative partnerships.

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At the conference, ministers stressed the need to empower innovators, the private sector, micro-small and medium enterprises and civil society to use new approaches to address environmental challenges. They agreed to support Pan-African platforms on the environment to promote and share experiences and solutions across the continent.

Addressing the Conference, Dr. Tedros Adhanom Ghebreyesus, Director-General of the World Health Organization (WHO) said, “Environment is central to human health; every year almost 12.6 million people die from hidden risks in the environment.” He called on African governments to put human and environmental health at the centre of policy making in all sectors.

On behalf of the President of Kenya H.E Uhuru Kenyatta, Mr. Keriako Tobiko, Kenya’s Cabinet Secretary for Environment said:” It is important to note that environment is the foundation and the basis of the social and economic development of our countries.”“I challenge you to come up with ways of enhancing the wealth from our rich biodiversity in forests, rangelands, wildlife and marine resources,” he added.

“Africa needs to invest in innovative solutions to change its development pathway in a sustainable way. We need to deploy new and smart approaches to overcome the continent’s most pressing environmental challenges,” said Dr. Nezha El Ouafi Minister of Environment, Morocco and vice-president of AMCEN.

“Public-private sector partnership will have to play a key role in embracing innovation and turning environmental policies into concrete actions to achieve the objectives of the AU Agenda 2063 and the 2030 Agenda for Sustainable Development,” Minister Ouafi added. “Africa stands on the right side of history to support the environment. We have the human resources, natural wealth, and leadership to innovate and transform our region,” said Joyce Msuya, Deputy Head of UN Environment.

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some key decisions made at the conference included:

Biological Diversity: African Governments recognized the urgent need to combat land degradation and restore ecosystems in Africa. A Pan-African action agenda is being prepared to respond to land and ecosystems degradation challenges. The Ministers agreed to develop common positions on various priority issues and speak with one voice during the upcoming 2018 UN Biodiversity Conference which will be held in Egypt in November 2018. The priorities will inform the post-2020 biodiversity framework and the Convention on Biological Diversity.

On Climate Change, the Ministers stressed that the outcomes of COP24 should reflect the spirit of the Paris agreement. The outcomes should balance between the Agreements elements related to action, support and transparency. Adaptation and finance should be core elements for effective operationalization of the Agreement.

Health and Environment: Recognizing the nexus between environment and health, Ministers agreed to actively participate in the third Inter-Ministerial Conference on Health and Environment in Africa, Libreville, 9 to 12 October 2018. The theme is “Health and environment strategic alliance: a catalysis for action on the Sustainable Development Goals in Africa.”

They emphasized the importance of enhancing accessibility, predictability and sustainability of means of implementation, in particular finance. They agreed to work constructively to deliver the mandate of the Paris Agreement Work Programme.

Kofi Adu Domef

FG plans to commission NHP projects in 33 states

 

Barring any last minute hitch, the National Housing Programme of the President Muhammadu Buhari-led government will be commissioned in about 33 states of the federation before the end of this year.The President Muhammadu Buhari-led government’s effort at addressing the huge housing deficit in Nigeria, which is estimated at 17 million, gave birth to the National Housing Programme.

Under the programme, the federal government through the Federal Ministry of Power, Works and Housing, embarked on the construction of massive national housing schemes in 33 states of the federation. The project, according to the Minister in charge of the ministry, Mr. Babatunde Raji Fashola, SAN, aside from providing affordable and accessible houses for Nigerians, has also created employment opportunities.

In what appears as his testimony, the Minister whose ministry is directly in charge of the National Housing Programme, declared that it has yielded its first expected result of creating employment for youths.Fashola, who spoke recently while on the inspection tour of the project site in Imo state, said that the programme was initiated as part of efforts by the Federal Government to get the teeming youths across the country back to work.

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“The very first thing that we needed to achieve has been achieved; get people back to work, move the economy back to growth and get the economy out of recession.”“From the food vendors to the number of companies that are employed here, you can see building materials; you can see labour and you can see an ecosystem of growth.”

A tour to some of the project sites across the country, where some of the NHP projects are sited recently revealed that would be-beneficiaries of the housings units would have access to their allocation in the next couple of weeks.Aside from the fact it would provide houses for Nigerians, it has also created jobs for thousands of all cadres of Nigerians.

Its commission date though Housing News could not ascertain, a source at the Federal Ministry of Power, Works and Housing, hinted that it would be commissioned soon.
The source said everything about the commissioning has been perfected, saying that it may be done during the presidential campaign.

“Let me assure you that the NHP project would be commissioned before the end of this year (2018).
Everything about the event has been perfected”, the source said.

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There is however some issues like; compensation to the traditional land owners, provision of parameter fencing and allocation to Nigerians that truly need affordable homes which need to be addressed.One of the critical issues that should be urgently addressed before the commission date and handing over of the project units to its owners is compensation of the traditional land owners.
From South to the North, one of the agitations of the locals whose communities are the beneficiaries of the project is issue of the compensation. This however, is not the responsibility of the federal government.

Tope sunday

FHF to deliver decent accommodation for fairly low to modest income earners

 

The Managing Director of Family Homes Fund (FHF), Dr. Femi Adewole has said that FHF is committed to doing an excellent work in providing housing that people on low income can afford.

He made this statement during an Interview with HousingNews Crew earlier today in his office.

“we are doing tons of work in ensuring that we bank adequate land in good locations where these homes will be sited.

“We are ensuring that we maximize the efficiency of the design of these homes which is key to ensuring that we deliver the affordability that our people need” He said

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According to Dr. Femi, In line with the mandate which is centered on providing large scale affordable housing supply and economic development, “FHF is working in partnership towards providing up to 500,000 homes and 1.5million jobs from now till December, 2023”

“Primarily, we are working with partners who can build to scale so that we can harvest the economies of skills that then goes on to deliver lower prices to our target customers”

“we are currently talking to REDAN, Housing Corporations, Federal Ministry of Power, Works & Housing, State Governments, and other parastatals. We are bringing a whole range of people together to partner with us as they all have key roles in ensuring that this programme succeeds” he said.

Dr. Adewole said that FHF is putting a structure in place that allows people to actually be able to afford those houses and be able to buy them even after they have been built.

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“We are coming up and in the final stages of designing home loans assistance program that will ensure that our target market which is basically people who are earning fairly low to modest income can have access to decent accommodation at no more than 30% of their income.” He said.

The M.D. Family Homes Fund expressed with assurance that FHF being the largest housing fund in Sub-Saharan Africa stands a strong chance in delivering on its mandate.

“Because of the large capital that we have, the Family Homes Fund is the largest housing fund in sub-Saharan Africa so we are financing the program with a significantly concessionary interest and rate for development. If we put all those things together, I think it gives us a strong chance for delivering on the mandate.”

Wilson Ifeoma, HousingNews, Abuja.

Why progress is slow in real estate sector, by experts

 

Experts in real estate yesterday blamed policy inconsistencies, delay in legal process, poor state of infrastructure and inadequate access to finance for the slow progress recorded by the sector in the country.

Speaking at the 7th edition of the yearly Real Estate Unite summit organized by 3Invest, a real estate company, in Lagos were  experts, who were drawn from the public and private sectors, only collaborative efforts by players in the industry can position it on the path of growth to contribute its quota to the nation’s economic development.

The Founder and Chief Executive Officer of Eximia Realty Limited, Mr. Hakeem Ogunniran, who spoke on “Connecting the dots: Nexus between policy, legal and regulatory framework and real estate growth in Nigeria”, noted that government inconsistent policy, lack of infrastructure and high cost of construction had inhibited growth in the sector.

He said although some significant reforms had been made in the sector, leading to the nation’s improving record in the ease of doing business rating, it was still suffering severe challenges that required consistent and collaborative efforts to overcome.

The developer, who is a former managing director of UACN Property Development Company Plc, noted the important role of infrastructure in the growth of the sector, saying it constituted between 15 to 20 percent of the cost of development.

On the issue of funding, Ogunniran expressed regret that access to long-term funds is very limited, while the available offshore funding is bedeviled by the velocity of the foreign exchange market.

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According to him, the nation can make progress when all stakeholders come together to ensure strict compliance with some positive government policies, such as the Nigeria Housing Finance programme.

The Chief Executive Officer, Nedcomaoks Limited, Mr. Kennedy Okonkwo, called for the protection of property rights by governments despite party affiliations.

He recalled the recent demolition of a television house in Ibadan, Oyo State, stressing that revocation of titles by successive government do not encourage investment in the real estate sector.

The Chief Executive Officer of Palton Moragn Holdings, Adesope Adeyinka, said it was ironical that government, which wants to solve housing problems, always come out with unfavourable policies.He lamented that government is treating the issue of perfection of titles and land acquisition as business instead of service, thereby working against its intention to solve housing problems.

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In her address, the organizer of the summit and Chief Executive,3Invest, Mrs. Ruth Obih-Obuah, noted the importance of the real estate as the most transformative sector of any economy and one of the most effective tools for poverty alleviation and job creation.

She said the sector was capable of contributing meaningfully towards the development of the economy, if adequately structured.

This year’s submit was tagged  “The Conversation Summit.”

 

Bertram Nwannekanma

 

Affordable housing possible in Nigeria

It is becoming increasingly difficult for young people to get a step on the housing ladder. Available statistics on Nigeria’s housing deficit paint a grim picture; presents limitless opportunities.

Available data (for 2014) from the World Bank and the National Bureau of Statistics agree that Nigeria has an estimated housing deficit of over 17 million units.

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With a population of almost 180 million, according to data from the United Nations, an annual population growth rate of 2.8 per cent (2015) and an annual urban population growth rate of 4.7 per cent, we need to stop talking and start building.

Nigeria’s abysmal ranking on the mortgage finance scale show that the several mortgage financing initiatives by successive governments in the country have failed. The Nigerian Bureau of Statistics (NBS) reported that Nigeria’s real estate market contributed only 6.82% to the real GDP down from 8.37%.

However, stakeholders agree that the country’s real estate growth is impressive; with PricewaterhouseCoopers (PwC) projecting, in its report – ‘Real Estate: Building the future of Africa’, – that Nigeria’s real estate investment will rise by about 49%, from USD9.16 billion to USD13.65 billion in 2016.

Investors are impressed with the outlook and have made significant inroads in tapping into the opportunities presented by the country’s housing deficit. Housing is a basic human need as a first important level of need similar to food and drink; therefore, it is at the center of wellbeing, People must have food to eat, water to drink and a place to call home before they can think about anything else.

To encourage more of this type of investors, Nigeria’s policy makers need to ensure that access to long-term finance is guaranteed to enable investors attract consumers from the upper end of the market that play in the prime real estate sector. The gaps in government-run infrastructure would also need to be plugged to guarantee efficient urban development.

The government would also need to promote favorable macroeconomic policies which will in turn encourage private sector investors to partner with her in providing low-cost mass housing. These policies must result in low interest rates, stable exchange rates and low inflation to encourage investors move into mass housing projects and low-income earners move from rented housing to their own affordable mortgage-enabled homes The Federal Mortgage Bank of Nigeria (FMBN) initiated the National Housing Fund (NHF) scheme to facilitate the provision of houses to Nigerians and bridge the housing deficit.

Many civil servants have benefited from the NHF scheme, although some are yet to benefit; people clamor for the review of the scheme. In order to broaden access to affordable housing and also solve the problem of prolonged processing time for mortgage loans, Platinum Mortgage Bank created a product called PLATINUM FASTTRACK MORTGAGE.

This product allows eligible Nigerians have access to their homes through mortgage within 48 hours of meeting the conditions. The procedure is simple. Any Nigerian above 21 years with a verifiable and regular source of income, a tax payer who meets all the condition of the loan which includes equity and repayment plan gets the key to a house of his choice in 48 hours. Platinum Mortgage Bank Ltd is a flagship in the banking and Mortgage sector; one of Nigeria’s leading primary Mortgage Institutions that met the CBN’s stipulated deadline for recapitalization and raised its authorized capital of five billion Naira.

Platinum Mortgage Bank Limited has been re-positioned to provide excellent home ownership products and has assisted numerous Nigerians in their quest for home ownership in various estates across Nigeria through the National housing fund as well as other mortgage loan windows of the bank. Powered by a visionary leadership, Platinum Mortgage Bank Limited is poised to provide your dream home through affordable mortgage backed housing schemes. We are implementing our corporate mission which is to improve the welfare of Nigerians through the provision of efficient stress-free and quality house delivery services at affordable cost.

Joseph is Head of Corporate Affairs, Platinum Mortgage Bank Limited, and is based in Abuja.

Sunday Joseph

Hong Kong developers to hold biggest weekend property sale in six months in rush to beat rate rise

 

Hong Kong property developers will put 597 new flats on the market in the biggest weekend sale in six months, as competition to lock in buyers heats up before the era of cheap mortgages comes to an end.

The sale comes as brokerage Nomura became the latest to predict sharp falls in property prices in the city, the world’s least affordable housing market, seeing a 13 per cent drop next year as higher rates bite.

Interest rates are expected to rise by the end of the month, with Hong Kong set to follow an increase by the US Federal Reserve, a move that is likely to dampen demand.

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“Buying interest will drop and more buyers will take a wait-and-see attitude when the prime rate rises,” said Lung Siu-fung, analyst at China Merchants Securities International. “Developers want to sell before the prime rate rises.”

Nan Fung Development said it would offer 487 flats at the LP6 project in Tseung Kwan O on Saturday, a day ahead of rival Sun Hung Kai Properties’ sale of 72 flats at Cullinan West II in Sham Shui Po on Sunday. Meanwhile, Wheelock Properties picked Friday for the sale of 38 units at its Monterey development in the same area.

“You only have a set number of buyers. Your buyer pool is finite, so I think right now it’s giving buyers a little bit more opportunity to look around, not only in terms of product but also in terms of pricing,” said Denis Ma, head of research at JLL, referring to the keener competition for homebuyers.

Nomura’s prediction followed warnings from Citi, UBS and CLSA of price falls of up to 15 per cent, sparked by interest rate rises as well as a slowing economy and falling Chinese yuan currency that could crimp buying from mainland China.

“Remember what happened in late 2015 – prices dropped about 13 per cent in only six months, and the trigger was the Fed’s rate hike,” Joyce Kwock, head of Hong Kong property research at Nomura International (HK), was quoted by Bloomberg as saying at a briefing in Shanghai. “The entirely same situation may repeat again.”

Adding to the pressure on developers is a series of measures announced by the government in June to try and cool prices. These include a proposed tax on unsold units, aimed at preventing developers from hoarding supply while prices rise.

In the past two months, buyers have splashed out in excess of HK$52.88 billion (US$6.7 billion) on new flats, according to Ricacorp Properties, most of which went to Sun Hung Kai Properties, the largest holder of completed but empty flats.

“The launches were rushed because developers also want to clear stock before the vacancy tax is passed [in the Legislative Council],” said Vincent Cheung, deputy managing director for Asia valuation and advisory services at Colliers International.

Developers also have a wary eye on the annual policy address due to be delivered by Hong Kong’s Chief Executive, Carrie Lam Cheng Yuet-ngor, in October. Some analysts said she might announce areas set for land reclamation.

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“While land reclamation will not affect the land supply any time soon, the market will feel that the supply of land has gone up, and this will have an immediate impact on demand,” said Alvin Cheung, associate director at Prudential Brokerage.

“Those who are willing to wait might not want to buy property right now as the supply will rise in the future.”

FHF invests to provide homes and create jobs

Family Homes Funds (FHF) through International recruitment firm – Price Water House Coopers has launched a recruitment campaign to secure top quality capacity to deliver an ambitious, affordable housing programme as a key aspect of the Government’s Social Intervention Programme.

By 2023, the Family Homes Funds – a special purpose investment vehicle having the Nigerian Sovereign Investment Authority and the Federal Ministry of Finance Incorporated as founding shareholders – aims to have supported the development of over 500,000 homes and 1.5m jobs for Nigerians on low income.

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Towards that goal, the Funds has recently completed the construction of 400 homes with an average cost of N3.5m in Grand Luvu, Nasarawa State – part of over 4,000 homes under construction in 5 states namely Ogun, Nasarawa, Kano, Delta and Kaduna. A further 30,000 homes are at advanced stages of negotiation with development partners and will commence by 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.

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Creation of new jobs is a critical element of the Funds programme. 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.

Incremental Steps to Cut The Housing Deficit

Housing supply is grossly inadequate in Nigeria, which is evident from the national deficit of 17 million units. Housing finance remains in its infancy: its mortgage/GDP ratio of 0.5% compares with South Africa’s 30%.

Instinctively, and because of the social and developmental role of housing, we look to the government to fill the vacuum. However, as we have noted in our commentary on agriculture and other sectors, the FGN has competing claims for its limited budgetary funds.

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The 2018 budget allocates N32bn and N683bn to the power, public works and housing ministry for recurrent and capital spending respectively. This includes N27bn for the national housing programme, reduced from N35bn in the to-ing and fro-ing with the National Assembly.

The Federal Mortgage Bank of Nigeria (FMBN) is the main public financing institution but has been hamstrung by its modest capital of N5bn, half of which is paid up. The FGN is to increase its capital by N500bn over five years.

Over three years, the FMBN has issued 3,900 mortgages, broadened the national housing fund to non-government employees, and launched rent-to-own and other products. Since its establishment, the bank has provided about N80bn in housing finance and boosted the housing stock by 20,000 units.

In November the Port Harcourt City Development Authority and a private company signed an agreement for the construction of 3,000 homes in the new city near the airport.

We can see from the above that the efforts of the bank (and other institutions) have had a negligible impact on the national housing deficit. Comparisons with a city-state have limited relevance but since the 1950s working Singaporeans and permanent residents have had to pay into a compulsory savings plan for housing, healthcare and retirement.

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The Nigeria Mortgage Refinancing Company has raised N18.5bn from the issue of two bonds, guaranteed by the FGN, maturing in 2030 and 2033. The role of the company, established in 2013, is to provide liquidity to the mortgage market and enhance the maturity structure of the industry’s loans.

Turning to Kenya, we find that the government has KES480bn (US$4.8bn) outstanding in its series of dedicated infrastructure bonds with maturities out to 15 years. A brief look at its fixed-income market also shows two issues of medium-term notes by Shelter Afrique, the pan-African finance institution largely owned by the continent’s governments, and a KES3bn note issued by the HF Group (Housing Finance Company of Kenya

 

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