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AXHIS technical Team Arrives in Liberia for Construction of 50,000 Homes

MONROVIA – The National Housing Authority (NHA), according to the Act that established it, among others, is charged to build affordable and affluent communities for Liberians.

The NHA has received a technical team from AXHIS, a construction firm from neighboring Burkina-Faso, for the provision of 50, 000 affordable and affluent communities in Liberia nation-wide.

According to a press release from the NHA, AXHIS will construct 5, 000 affordable and affluent communities in phase one, as modalities are currently being work out with the NHA technical team for project commencement date with at absolutely NO cost to the Government of Liberia through the National Housing Authority.

Making the disclosure at the NHA on Wednesday, August 7, 2019, Hon. Cecelia Cuffy Brown, Managing Director said, as a result of the mandate from the President to attract investment opportunities to Liberia, the NHA has entered into negotiations with a Burkina Faso firm (AXHIS) and has agreed for the provision of affordable and affluent communities in Liberia.


Cecelia Cuffy Brown , also informed the Technical team delegation at NHA  that President George Manneh Weah feels passionate about the their visit as it will address the housing situation in the country and therefore mandated the NHA to work along with investment partners to make sure that there is some relief in the shortest possible time for the  people of Liberia the release quoted.

Cuffy Brown further narrated that development in the housing sector will also create job opportunity for many youths and will provide related services which will support the efficient delivery of commercial real estate and affordable housing.

Brown believes that with the speed of which offers are being sent from international partners and housing estates companies, it will not be too soon when the government’s objective is realized with affordable and affluent communities for the Liberian poor.

In conclusion Cuffy Brown said the Government through the National Housing Authority and AXHIS came out with a tripartite agreement with the Liberia Bank for Development and Investment, for cash deposit / down payment as the rest is expected to be paid through a mortgage agreement with the LBDI for 10 years the release concluded.

For his part AXHIS’ President Hon.  said the NHA and President Weah’s initiatives have been welcomed by his company and narrated further that they are not surprised at President Weah’s passionate support to change the lives of ordinary Liberians given his humble lifestyle.

Traore Moulaye Amadou said “President Weah is a leader who cares about others and that is why we have come to Liberia to help him get his dream.

Accordingly; my company is prepared to provide more than 50, 000 affordable housing units nation-wide in line with President George Manneh Weah government pro- poor agenda.

Amadou further demonstrates the ties between the two sisterly countries as members of the Economic Community of West African States and if goes well his company will place more focus on the F3 category of housing units that will be affordable by Liberians.

He further said if this objective is met it will help the Government in addressing the acute shortage of housing needs in Liberia Amadou concluded.

Source: frontpageafricaonline

500,000 Homes, 1.5m jobs Expected in 5yrs as Fund Partners Firms, DFIs

In the next five years, the housing market in Nigeria expects about 500,000 homes, that is 100,000 housing units per year, as Family Homes Funds (FHF) continues its interventions in the country’s housing sector through strategic partnership with players in the housing sector and leading Development Finance Institutions (DFIs) in the world.

At an average of four persons per housing unit, it means about 2 million persons will have shelter over their head when these housing units are completed and delivered to the market, reducing considerably the country’s over 20 million housing demand-supply gap.

FHF is Federal Government of Nigeria’s intervention programme in the housing sector. It is expected that the funds housing development activities will create about 1.5 million jobs. Given the multiplier effect of job creation, expectation is that over 3 million households will be empowered economically.

Recently, on the sideline of the Abuja International Housing Show, the Fund signed a memorandum of understanding with Construction Skills Training and Empowerment Project Limited (C-STEMP).

C-STEMP is an organisation with a vision to build a pool and database of certified artisans with the requisite skills to meet industry needs that translate to better quality of work and life for all stakeholders.

This partnership, according to officials of the Fund, is very strategic and critical because it will help to provide the needed skill set for the production of the planned 500,000 housing units without recourse to importing labour from neighbouring West African countries like Togo and Benin Republic where most of the artisans for housing construction in Nigeria come from.

Currently, FHFL is seeking partnership with developers to create vocational jobs and empowerment programmes and products for low to medium income earners currently in or potentially interested in building a career in construction.

In implementing this empowerment programme, the Fund emphasises need to incorporate training, assessment and certification as conditions for beneficiaries to access its programmes and to ensure that only skilled labour are utilized on its projects. Its partnership with C-STEMP is also aimed to provide affordable and quality homes while creating jobs for highly qualified persons.

FHF is also in partnership with the Central Bank of Nigeria (CBN), Ministry of Finance and international financial institutions, making it a pivotal force in delivering affordable housing to Nigerians through multiple schemes including Help-to-own, Rent-to-own, affordable and flexible mortgage plans, among others.

“Our role is primarily to meet affordable housing demands in Nigeria,” explained Femi Adewole, the Fund’s managing director, adding, “we are here because it is not enough to supply houses without taking care of the demand side.”

He disclosed that the Funds had, so far, developed about 1000 homes with another 3000 at different stages of completion, pointing out that the fund has been able to create about 1400 jobs through these projects. Over 500 units have been completed in Nasarawa State, 750 in Kano, 650 in Delta and many more all over the country.

The Fund recently bagged ‘Affordable Housing Promoter of the Year Award from at the just concluded 2019 edition of the Nigeria Housing Awards.

Adewole commended organisers of the Awards and also his team and partners in the housing sector for chasing the much needed dream of ensuring that Nigerians, irrespective of their income level, could have access to one of their most important needs: shelter.

Source: businessdayng

FMBN to Build 3,700 Housing Units Across States, FCT

Ahmed Dangiwa, Managing Director, Federal Mortgage Bank of Nigeria (FMBN), said the bank will build 100 housing units in each state and the Federal Capital Territory to address housing deficit in Nigeria.

Mr Dangiwa said this in Abuja on Thursday when Isa Pantami, the Director-General of National Information Technology Development Agency paid him a courtesy visit.

“We are into collaboration with the Nigerian Labour Congress with a plan to deliver 100 housing units in every state of the federation.

“We have six states now where we have done ground breaking and within the next one month, we will start commissioning them while we are still doing ground breaking in the other states,’’ he said.

Mr Dangiwa said that the bank was in collaboration with lots of stakeholders to build affordable houses for low income workers.

According to him, due to the high price of houses built by developers, the bank created the cooperative housing project to help workers.

He said that 30 corporative groups have been funded so far.

Mr Dangiwa congratulated Mr Pantami for his focus on Information and Communications Technology (ICT), saying it had increased professionalism in the sector.


He said that ICT had made it possible for workers in the country to know the extent of their contributions into the National Housing Fund.

Mr Dangiwa promised to assist the agency build affordable houses for its staff.

In his remarks, Mr Pantami said that every institution needed ICT to achieve its mandate.

He said that the aim of the visit was to see how the bank could assist the agency to build affordable houses for its staff.

Pantami said that accommodation was very important for any worker to perform well.


Giving insight into the activities of the agency, the NITDA D-G said that its mandate was to develop and regulate ICT for sustainable national development.

Mr Pantami said the agency was also mandated with the implementation of policies guideline for driving ICT in Nigeria. (NAN)

13th AIHS: How CBN is providing Ease to Housing, Mortgages

Central Bank of Nigeria (CBN) Deputy Director and Head of Nigeria Housing Finance Program, Adedeji Adesemoye has revealed the several interventions by the apex financial institution in increasing home ownership in Nigeria through regulations, funding, mortgages, policy frameworks, partnerships and many more initiatives.

While speaking with Housing News at the 13th Abuja International Housing Show which took place from 23rd to 26th July 2019, Adesemoye said that the awareness about the importance of housing finance in Nigeria is growing and that there is an acknowledgement of what housing finance can do in changing the landscape of access to home ownership in Nigeria.

He said that the financial challenges that have hindered the progress of affordable housing in Nigeria are now being tackled effectively. The mitigating risks are now being reduced he said.

‘’The issues are being addressed in order for finance to flow into that aspect of our need as human beings and grow the market because after the need for food, the next most important need for man is shelter. And this is not just a social need, it is also an economic need. And when you look at it in a value chain approach, it creates jobs, it provides opportunities for the youths, it provides opportunities for the agent, and provide opportunity to measure whether you are succeeding in life.

‘’So everything about housing has a very high coefficient of economic growth and development in the real sector. It’s a whole environment itself that guarantees sustainability if it’s properly captured and the market is allowed to do its work, and if public sector funds can go into it to further expand its reach for those who needs to make effective demands,’’ he said.

On the contributions of CBN to ensuring affordable housing in Nigeria, he said that the contribution of the apex bank has been growing over the years. ‘’For the past five years, CBN accepted the responsibility of driving reforms at many levels of housing finance and was giving similar opportunity to manage an IVA facility that is aimed to catalyse the growth of housing sector in Nigeria.

‘’To bring it closer home, CBN supervises commercial and primary mortgage microfinance banks that have had various intervention in provision of housing funds across the landscape. So they need a supervisory framework that is robust to be able to do this. We need to have institutions that are well capitalised and well managed and supervised to be there tomorrow and give back the right confidence to the member of the public that they can satisfy their finance needs.

‘’CBN has moved further from being a regulator to implementing catalytic projects that have opened up the financial landscape. CBN managed the Nigeria Housing Finance project that just closed. It led to the birth of NMRC which is an opportunity of connecting this particular sector to the capital market where you have sustainable finance. It’s a refinancing company that refinances mortgages that have been created by the commercial and primary mortgage lenders.

‘’CBN have also taken the risk to be able to pay back to the world bank, to the IDA in putting together microfinance banks that are robust and give them opportunity to have international institution that build their capacity and create what we call housing microfinance which deals with incremental construction. 7 micro finance banks participated in this. They have gotten the seeds fund and the market has been opened. They are also being connected to another funding through the family homes funds.

‘’The second component of this is the fact that CBN is partnering with key partners in the industry like NMRC for the creation of Nigeria Mortgage Guarantee Company, which is addressing the creditor.

‘’In that particular program, also as part of the advocacy, CBN collaborated with the industry players including NMRC in developing the mortgage model and foreclosure act that focuses 0n providing enabling legal framework for states to be able to use the opportunity given to them in the constitution as trustees of the lands in the states.

‘’This is also to enable developers to have access to land. That enables mortgages that have been created to be foreclosed if it is not performing. That provides title to people who wants to build their home and use this particular land as a security to get mortgage in the financial institutions.

‘’We want the mortgage model and foreclosure act to go through legislative processes in the states to be passed into law. Today, they are active in states like Lagos, Kaduna, and Ogun, while it is on the way in many other states including Cross-River and Plateau.

‘’We will be working with the Nigeria Governors’ forum to see this is scaled up because for mortgage to thrive we need enabling legal framework that everybody will recognise. It will enable states to have electronic lands registry system and a working mortgage system, so that it will be easy to conduct searches and then when there is need for banks to realise the collateral for non-performing loans, it will be timely.

‘’We need to streamline all these approval processes. And the fee that is being spent needs to be at the rate than you can do business with,’’ he said.

The latest CBN intervention according to him is the mortgage interest drawback scheme which the CBN governor introduced to bring the current double digit interest rate on mortgages to a single digit. This, he said, is in collaboration with the bankers committee.

By Ojonugwa Felix Ugboja

Nigeria not Tapping Benefits of Green Houses, Allied Concepts

Climate change will not destroy the Earth, but it can destroy the species of life on Earth that cannot adapt fast enough to new and changing conditions.

This entire process of building design that reduces the harmful effects on our health and environment is known as green architecture or green design. Green architecture is a sustainable practice of green building design which is designed and constructed with the environmental standards in mind.

Today, we find ourselves at a crossroad on making choices about architectural standards, building materials and new construction, along with the operation and maintenance of buildings, account for a considerable sum of the total greenhouse gas emissions.

Knowing this reality, architects are supposed to carry the responsibility of building properties without deteriorating the planet’s environmental structure or depleting its resources any further.

Sustainably designed buildings aim to lessen the impact of greenhouse emissions on our environment through energy and resource efficiency.

Sustainability presents itself as a unique challenge in the field of Architecture Construction projects typically consume large amounts of materials, produce tons of waste, and often involve weighing the preservation of buildings that have historical significance against the desire for the development of newer, more modern designs.


Increasing CO2 emissions are believed to result in irreversible changes in the global climate and the global environment, the consequences of which are hard to predict, but which are believed to impose tremendous economic cost of mitigation and adaptation, if not catastrophic effects on the human future.

Green Homes illustrates the multiple environmental, economic and social benefits arising from a transition towards energy-efficient housing. It outlines the required institutional changes and provides some basic principles for successful policies.

For a world aiming towards a balanced and inclusive Green Economy for sustainable development, Green Homes is more relevant than ever today. In spite of the sustainability and affordability benefits of Green Houses, the progress made by Nigerians and the Nigerian government is so little compared to advanced nations where Green Houses and allied concepts are very popular.

The concept of Green Houses has become very significant just as the waves of green movement are sweeping across the world. Apart from benefits that such houses promise to the environment, they are cost-effective and would lead to a more sustainable economy.

Source: dailytrust

Federal Mortgage Bank plans 3,700 Housing Units

The Federal Mortgage Bank of Nigeria, yesterday, disclosed plans to build 100 housing units in each state of the federation.

Executive Director, Business Development and Portfolio Management Abdullahi Umar who disclosed this at a zonal retreat in Sokoto, said it would commence with 14 states as pilot.

“It is a collaborative project which we intend to deliver in six months.

It is also a rollover system until the last Nigerian benefits from the project,” he added. According to him, the National Employers Consultative Association, the Nigerian Labour Congress and the Trade Union Congress have keyed into the scheme.

He called on Nigerians to embrace the National Housing Fund scheme under the bank in order to harness its benefits. Umar recalled that the scheme had refunded about N24 billion to its exiting contributors  out of which, he said, N16 billion was disbursed within the last two years by the new management.

Source: dailytrust

Shelter Afrique, Habitat for Humanity Sign Deal on Housing fund for Africa

Pan African housing development financier, Shelter Afrique has signed a Memorandum of Understanding (MOU) with the Terwilliger Centre for Innovation in Shelter, the market development/system arm of Habitat for Humanity International, which will see TCIS assist Shelter Afrique in mobilizing capital for affordable housing that will be extended to institutions focusing on provision of housing loans to low – middle income population in Kenya and 43 other countries where Shelter Afrique has presence.

•Low income housing estate in Abuja.

The collaboration formalized in Nairobi by Shelter Afrique’s Chief Executive Officer Andrew Chimphondah and Habitat for Humanity’s Associate Director for Capital Markets & Financial Inclusion, Ms. Elena Milanovska, at a signing ceremony, will majorly focus on the establishment of an incremental building fund for Africa, capacity building in housing microfinance, and technical assistance.

The Memorandum of Understanding MOU, signed in Nairobi now paves way for the establishment of incremental building fund to support people who cannot afford commercial mortgages but need decent housing.

The collaboration will also focus on building capacity for institutions offering housing microfinance and providing technical assistance. In reference to the MOU, Mr. Chimphondah said the partnership now makes it easier for the two institutions to jointly facilitate efficient and inclusive housing market systems with the main objective of making affordable housing a reality across Africa, more so within the lower end of the housing market.

“Research on housing finance options for Africa conducted by our Centre of Excellence has shown that the penetration of housing mortgage throughout Africa is quite low, meaning that the mortgage might not be the right option for low-middle income population. “This partnership with Habitat for Humanity International gives Shelter Afrique an opportunity to add other innovative ways to finance housing development in the continent”, Mr. Chimphondah said.

“Our aim is to work with entities like Habitat for Humanity International to set up incremental building fund to support people who cannot afford commercial mortgages but also need decent housing. “We want to give Kenyans and other people in our other 43 member states the opportunity to have a dignified living and we believe this fund will make it easy for such people to access financing to build decent houses in their own area,” Mr. Chimphondah added.

Ms. Milanovska said the partnership with Shelter Afrique was a perfect match, adding that Habitat for Humanity International had established USD100million micro-build fund that supplies debt capital and techni¬cal expertise to help microfinance institutions increase the availability of housing loan products for their low-income customers. “There is shortage of affordable housing and there is also substandard housing. Habitat for Humanity International is excited to sign this partnership deal with Shelter Afrique as we see a lot of potential in addressing the growing deficit in the provision of affordable housing in Africa. “

Ms. Milanovska said Ms. Milanovska noted that Habitat for Humanity International had invested more than USD 4 million in Africa from the micro-build fund, adding that the partnership with Shelter Afrique will make it easy for the organization to significantly increase its investment in Africa.

Source: vanguardngr

Lagos Urges Homebuyers to Patronise Certified Estate Agents

To check the rising cases of fraud in the real estate sector, Lagos State Government has enjoined prospective homebuyers and residents seeking for accommodation to avoid patronising unregistered estate agents and developers.

Permanent Secretary, Ministry of Housing, Mr. Wasiu Adedamola Akewusola disclosed this while on a site visit at Alapere, Ketu area of Lagos State, where a fraudulent property developer collected money from over 262 prospective homebuyers for only 15 units of studio rooms.

He urged residents of Lagos State to desist from patronising quacks and criminals when scouting for accommodation and homes.

Akewusola decried the present rate of fraudulent acts of illegal Estate Agents /Developers, who through their nefarious activities are swindling innocent people of their hard earned money.

Lagos State government, he said, is greatly concerned about the rise in the criminal and callous activities of some dubious estate agents who lure unwary individuals to purchase non-existent parcels of land or rent one flat out to hundreds of tenants”.

He disclosed that it is the responsibility of Lagos State Real Estate Transaction Department (LASRETRAD), a directorate under the State Ministry of Housing, to register, monitor and regulate activities of genuine Estate Agents and Developers.

Akewusola further advised intending tenants to ascertain that they transact business with only registered agents who can be recognized by the state government estate agent registration banner.

He seized the opportunity to enjoin the people to continue to have confidence in government’s ability to fulfill the mandate of accessible, affordable qualitative housing.”Lagos State is a responsible government and will not relent in its efforts of ensuring that the well-being of the people is upheld”, he said.

Also the Director, Lagos State Real Estate Transaction Department (LASRETRAD), Ajayi Adeyeye, described the activities of the dubious estate agents as “not only criminal and illegal, but also an offence punishable under the Lagos State tenancy law of 2003 formerly known as Rent Control and Recovery Of Residential Premises law (Vol.7 Law of Lagos State 2003”.

He stressed that the law that governs the rental of property is the basis of the legal contract that defines the relationship between the landlord / developer and tenant.

Adeyeye stressed that the State Government is poised to curb the excesses of swindlers/ quacks estate agents through prosecution and appealed to the registered Estate Agents to imbibe the culture of trustworthiness in rendering services to the public.

He also encouraged the public not to hesitate in reporting any unscrupulous estate agent to Lagos State Real Estate Transaction Department (LASRETRAD) at Lagos State Secretariat Ikeja.
According to him, a secured society can only be achieved if all sorts of unscrupulous elements are restrained.

Source: guardian

Architects Plan Cooperative Housing Project

Despite its numerous challenges, the Lagos Chapter of the Nigerian Institution of Architects (NIA) has begun moves to provide residential accommodation for its members.

The project was inline with renewed drive and energy infused in its cooperative society – Lagos Architects Cooperative (LARCOOP).

Already, the chapter is discussing with Sterling Alternative Finance a brand of Sterling Bank PLC to finance the proposed Cooperative Housing Project.

Chairman of the chapter, Fitzergerald Umah, who disclosed this at the 2019 Annual General Meeting held last week, said LARCOOP, will continued to support subscribers through loan facilities and support for projects.

He stressed that the chapter created a platform where issues affecting the cooperative are to be discussed to further enhance its capacity to meet their needs.

He encouraged members to take advantage of the product offerings and make their monthly contributions conscientiously.

According to him, the chapter has grown in membership strength and has become more active than previous years by participating in various built environment programmes both at state and national levels.

Umah, who gave account of his stewardship for the past one year, said the chapter through its yearly  Lagos Architect Forum (LAF) has helped architects impact positively on Students of Architecture in the country through the students’ Charrette instituted three years ago, which is now a must attend for all students of architecture.

He also said the Annual Design competition has helped identify students with great talent and strong design strength, which is important to achieving best practices in Architecture.

According to him, LAF has among other things created jobs for architects, manufacturers of construction materials and allied professionals in the building industry through exhibition of products and services, architects’ works and other forms of networking at the events.

LAF, he said, has also created a good platform for the discussion of architecture and built environment matters, where issues on urban development, environmental and design matters are discussed, and solutions are proffered.

“The quality of this year’s Forum, he continued, has improved further whereby the programme witnessed excellent exhibitors, good booth sales and a high record of participant registration with about 2000 people in attendance.

“We made the highest profit in this edition of LAF. A good number of Nigerian architects in the diaspora, who are good players in their field of Architecture in the USA, UK and Europe were also in attendance as international speakers. Other international Speakers came from Uganda and Italy.

“All these have been achieved, and several others not captured herein, despite the economically challenging year, especially in our industry,” he added.

Umah, however, noted the lingering crisis between professionals and regulatory bodies, stressing that it has caused untold hardship upon members and intending ones.

He pleaded on behalf of the NIA Lagos States Chapter Executive Committee for members to remain steadfast and be rest assured that the chapter is optimistic in achieving a suitable and sustainable resolution.

“Presently, is heart-warming that we can focus on activities geared towards our common good and we hope to remain focused and resolved in having positive impact on our members”, he added.

Source: guardianng

Housing: States Target Increased Partnership with Private sector

State governments are targeting increased partnership with investors in the private sector to address the country’s housing deficit.

Stakeholders in the industry have said housing should be top on the government’s considering how important the construction sector is in the provision of jobs.

Beyond collaboration, they also called for the use of alternative building strategies and the development of more policy frameworks as the nuances and policies that should guide housing development in the country were not in place.

Some state governments recently made the promise to provide an enabling environment and the much-needed cooperation in the delivery of affordable mass housing, with officials noting that efforts to drive such housing models might not be achievable without collaboration with the private sector.

They explained that the private sector should be more positioned so that the government could always look to them for policy advice as the engine of the economy, adding that the biggest goal for stakeholders should be to provide affordable housing for low and medium income earners whose demand for homes should be met through collaboration.

In a communiqué issued at the end of the 13th Abuja Housing Show, which ended on Friday, representatives from states including Edo, Bauchi and Enugu spoke on ongoing housing developments in their states and called for more private sector investments.

Citing the example of the collaborative efforts between Mixta Africa and the Edo State Government, and that of Family Homes Funds and several states, they noted that there was the need for a wider sector collaboration to share ideas and fast-track ongoing efforts.

Some of the state government officials noted that a combination of factors such as land regime, cost of funding, insufficient data, policy summersault, lack of political will and corruption, trust deficit, unprofessional dealings and limited stakeholder cooperation were major barriers to the provision of affordable housing in the country and should be tackled urgently.

They also called for and made pledges for the establishment of more social investment programmes such as the Family Homes Funds, which was said to have completed at least 1,000 homes with about 3,000 others at different stages of development, including 500 housing units in Nasarawa, 750 in Kano and 650 in Delta State, among others.

The stakeholders said it had become urgent to move beyond talks and gave areas of critical interventions as the establishment of housing data base, short and long-term plans to address annual housing needs, creating an enabling environment to attract foreign direct investments, and strengthening housing agencies with adequate funding.

According to the Head of Civil Service, Mrs Winifred Oyo-Ita, the Federal Government has placed premium on infrastructure development to aid the delivery of affordable housing development in Nigeria.

The Senior Director, Nigeria Country Department of the African Development Bank, Mr Ebrima Faal, said stakeholders, especially those in government should build a sustainable housing environment.

“There are houses and there are homes. A house with hunger is not a home. It is important that the physical infrastructure is accompanied with the well-being of citizens,” Faal, who was represented by the Principal Private Sector Specialist of AfDB, Mr Emmanuel Akinwumi, added.

He also noted that stakeholders in the construction and housing value chain should start thinking out of the box in order to find alternative models of financing mass housing and construction.

A former Managing Director, Nigeria Mortgage Refinance Company, Prof Charles Inyangete, stated that while the issue of housing deficit was important, the government and other stakeholders must also pay attention to climate change and how it could affect building construction.

He said, “There is the urgent need for more efficient buildings, which will have less demand on power. Green building is the best way forward. We need to encourage re-greening in the environment.

“We need to build the capabilities of our financing and investors to be able to manage climate change risks. We need to collect data because what gets collected is what gets managed. Town planners need to consider the environment while planning. Climate change is not the biggest issue of our time, but the only issue.”

Source: punchng

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