2027 Election: Parties Outline Different Plans for Nigeria’s Housing Sector

Nigeria’s housing sector is becoming a prominent issue ahead of the 2027 general elections, with political parties putting forward different proposals on land administration, mortgage finance, affordable housing, rental housing and construction costs.

The proposals are being presented against a backdrop of rapid urbanisation, rising development costs and limited access to affordable housing.

A Guardian report published on September 28 estimated Nigeria’s housing deficit at about 15 million units and reported that the country could require approximately 550,000 new homes annually, with about N5.5 trillion needed over the next decade to address the shortfall.

The housing debate is extending beyond the number of homes parties propose to build, with land costs, infrastructure, access to long-term finance, building materials, property documentation and rental housing also featuring in the various proposals.

Housing affordability becomes a major policy issue

The proposals examined by the Guardian focus on structural factors affecting the cost and availability of housing.

These include access to titled land, long-term mortgage finance, serviced land, rental accommodation, construction materials and private-sector investment.

The report noted that increasing housing supply alone does not necessarily make homes affordable because land, infrastructure, financing, building materials and approval costs all contribute to the final price of a property.

It also reported that cement prices had risen to about N14,500 to N15,000 per 50kg bag, while reinforcement steel was selling for between N1.2 million and N1.5 million per tonne, depending on location.

APC continues existing housing programmes

The All Progressives Congress, which currently controls the Federal Government, is continuing with the Renewed Hope Housing Programme, Federal Housing Authority estates and mortgage-related reforms involving the Ministry of Finance Incorporated and the Federal Mortgage Bank of Nigeria.

The government has previously set a target of delivering 100,000 homes nationwide.

According to the Guardian report, the first phase includes housing cities of 1,000 units each across the six geopolitical zones and the Federal Capital Territory, alongside estates of up to 500 units in the remaining 30 states.

The report said work had commenced on more than 3,000 units in Abuja, while a 2,000-unit housing city at Ibeju-Lekki, Lagos, had reached an advanced stage, with sales underway.

The government has also stated that more than 15,000 housing units are under construction nationwide.

Housing finance is another component of the current administration’s programme.

The government said 1,859 families across 25 states had secured mortgages worth N128 billion through the Ministry of Finance Incorporated Real Estate Investment Fund at a fixed interest rate of 9.75 per cent, repayable over 20 years.

The Federal Government has also proposed changes to the mortgage industry, including a National Housing Finance Authority and broader access to housing finance for workers in the informal sector.

SDP proposes three million affordable homes

The Social Democratic Party has proposed a National Affordable Housing and Sustainable Communities Programme.

Under the proposal contained in its manifesto, the party said it would seek to construct at least three million affordable housing units nationwide within four years through public investment, public-private partnerships and cooperative housing schemes.

The party said different housing models would be developed for various income groups and occupations, including low-income households, middle-income earners, young professionals, civil servants, artisans, farmers and senior citizens.

Its proposals also include mortgage-finance reforms, cooperative housing and employer-assisted housing.

Land administration forms another part of the SDP proposal.

The party identified delays in obtaining Certificates of Occupancy, unclear property rights, overlapping institutional responsibilities and lengthy registration processes as factors that can increase housing costs and discourage investment.

It proposed digital land registries, simplified property registration, transparent land allocation and modern cadastral systems in collaboration with state governments.

The proposed funding structure includes federal budget allocations, state counterpart funding, public-private partnerships, housing bonds, pension-fund investments, concessional development finance, diaspora investment and private capital.

PDP proposes social housing and land registry reforms

The Peoples Democratic Party is drawing on housing proposals contained in its 2023 policy agenda, according to the Guardian report.

Its proposals include a National Social Housing Fund, slum upgrading and 20-year mortgages at an interest rate of 10 per cent.

The party has also proposed reforms to land registries and the creation of a nationally interoperable system for transferable property rights.

The stated objective is to reduce transaction times, improve access to credit and increase transparency in property transactions.

The PDP has also proposed greater use of local building materials, mixed-income communities, public-private partnerships and a review of the Land Use Act to reduce the cost of acquiring land.

Other proposals include grants for site-and-services schemes, research into lower-cost building materials and measures to strengthen mortgage institutions.

AAC proposes N2m housing units and long-term mortgages

The African Action Congress has proposed affordable housing units at an average cost of N2 million per unit.

The party also proposed mortgage financing over 20 years at an interest rate of no more than 10 per cent.

According to the Guardian report, the party estimated annual repayments between N211,000 and N235,000 for the proposed N2 million units, depending on whether a 10 per cent deposit is made.

The AAC also proposed using government-owned land valued at $3.64 billion as seed investment for construction and to capitalise an investment fund open to Nigerians.

The proposals place land costs and long-term housing finance at the centre of the party’s housing approach.

ADC focuses on land, building materials and rental housing

The African Democratic Congress has included housing within a broader infrastructure, economic and social-policy agenda.

Its proposals cover mass social housing, land and finance reform, local production of building materials and rental housing.

The party has proposed faster land-title processing, lower land costs, serviced land and digitisation of land administration.

Its housing-finance proposals include mortgage reform, rent-to-own schemes, housing cooperatives and pension-backed financing.

The ADC has also proposed increased local production of cement, steel, roofing materials and tiles, alongside certified alternative building technologies.

It has linked construction costs to energy and transport expenses and proposed measures aimed at reducing those costs.

Rental housing also features in the party’s proposals, including greater institutional investment in rental properties and policies aimed at protecting both tenants and landlords.

NDC links housing to infrastructure and private capital

The National Democratic Congress has placed affordable housing and modern towns within its broader infrastructure and industrial-development agenda.

Its published 2027 manifesto summary identifies housing and urban planning alongside areas including power, roads, rail and ports, while proposing public-private partnerships as part of its wider economic strategy.

The party’s Lagos governorship candidate, Funso Doherty, has provided additional details of the approach, including government allocation of suitable land and efforts to increase the scale of housing development.

Doherty also proposed government guarantees to provide institutional backing for investors and lenders, alongside secondary mortgage finance to expand access to housing finance.

The approach places emphasis on creating land, financing and institutional frameworks for private-sector participation rather than relying solely on government-funded construction.

Land administration features across proposals

Despite differences among the proposals, land administration is a recurring issue.

Digital land registries, faster title processing, transparent land allocation, clearer property rights and improved cadastral systems feature prominently in several of the plans.

Land administration has implications for the property market because uncertainty over ownership and lengthy registration processes can increase transaction costs and make it more difficult to use property as collateral.

For developers, reliable land documentation can also affect project timelines, financing decisions and investment risk.

The proposals therefore place land reform alongside housing construction rather than treating it solely as an administrative issue.

Mortgage finance remains a central issue

Access to long-term finance is another recurring theme across the housing proposals.

The various plans include lower mortgage rates, longer repayment periods, rent-to-own arrangements, cooperative financing, pension-backed housing finance and secondary mortgage-market mechanisms.

The focus reflects the gap between residential property prices and household incomes.

For many potential homeowners, the challenge is not simply finding a house but being able to finance its purchase over a period that matches their income.

Mortgage availability also affects developers because a larger pool of qualified buyers can support the absorption of new housing developments, while limited mortgage access can push developers towards higher-income segments where buyers have greater purchasing power.

Construction costs remain a major constraint

The various proposals also recognise the role of construction inputs in determining housing affordability.

The Guardian report highlighted increases in cement and reinforcement steel prices, while the party proposals include local production, alternative building technologies, lower energy costs and improved transport infrastructure as possible ways to reduce construction costs.

For private developers, lower input costs could affect project viability and the prices at which new homes are brought to market.

The issue is particularly relevant to affordable housing, where relatively small increases in construction costs can push properties beyond the purchasing capacity of intended buyers.

Rental housing receives greater attention

Rental housing also features in several of the proposals.

The plans include rent-to-own schemes, institutional investment in rental housing and measures aimed at increasing affordable rental supply.

This reflects the fact that not every household can immediately qualify for a mortgage or afford to purchase a property.

A larger and more formal rental market could also create opportunities for institutional investors, pension funds and other long-term capital providers, depending on the regulatory and investment environment.

Implementation remains a key issue

The range of proposals places significant emphasis on policy frameworks, financing structures and institutional reforms.

However, the Guardian report highlighted implementation as a major issue for any administration seeking to address Nigeria’s housing shortage.

Delivering housing at scale requires land, infrastructure, finance, construction capacity and coordination across federal, state and local institutions.

Land administration is substantially influenced by state-level systems, while housing finance, infrastructure, planning and construction involve multiple federal and subnational institutions.

For developers and investors, implementation would therefore involve more than the number of units contained in a manifesto. Development-ready land, financing costs, infrastructure, regulatory certainty, construction economics and the purchasing power of intended buyers would also affect delivery.

Housing becomes part of the 2027 policy debate

The 2027 election cycle has brought housing policy further into the national political discussion, with parties proposing measures covering land administration, mortgage finance, affordable and rental housing, construction costs and private-sector investment.

The proposals differ in their targets, financing mechanisms and institutional approaches.

Across the plans, however, land costs, mortgage access, construction inputs, infrastructure and household affordability feature repeatedly as factors affecting housing delivery.

For Nigeria’s housing and real estate market, the proposals provide different approaches to the same broad policy areas, while their eventual implementation would depend on the institutional, financial and economic conditions surrounding housing delivery.

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Professionals Urge Government to Put Housing Experts at Centre of Sector Reforms

Built-environment professionals have called on the government to give qualified estate surveyors, valuers and other housing experts greater responsibility in managing Nigeria’s housing sector.

An Abuja-based estate surveyor and valuer, Diran Adetunji, said the persistent challenges affecting housing delivery were partly the result of inadequate professional input and poor long-term planning.

Adetunji argued that many officials appointed to manage housing-related institutions lacked the specialised knowledge required to understand the sector’s complex problems and develop practical solutions.

According to him, Nigeria has repeatedly failed to properly assess population growth, urban migration and the volume of housing required by low- and middle-income households.

The absence of reliable projections, he said, has prevented the country from establishing effective short-, medium- and long-term housing plans.

Adetunji cited Abuja as an example, noting that planning for the Federal Capital Territory did not adequately anticipate the rapid influx of people that followed the relocation of Nigeria’s administrative headquarters.

The resulting pressure on available land, housing and infrastructure has contributed to rising property costs, informal development and increased competition for limited buildable plots.

He maintained that estate surveyors and valuers possess the technical knowledge needed to assess housing demand, evaluate land resources and support the development of realistic policies.

The expert called for a proper diagnosis of Nigeria’s housing challenges before new programmes are introduced. He also advocated a review of the country’s land and housing policies to make access to suitable accommodation more consistent and sustainable.

Among the major obstacles identified were difficulties in obtaining secure property titles, inadequate infrastructure and limited access to affordable housing finance.

Poor roads, electricity, water, drainage and other essential services can make otherwise available land unsuitable or too expensive for residential development.

Adetunji said strengthening property-title documentation would help improve confidence in the housing market and make it easier for homeowners and developers to access finance.

He also highlighted the importance of an effective mortgage system in expanding homeownership, particularly for households that cannot afford to purchase properties through outright payment.

The establishment of the Nigeria Mortgage Refinance Company was described as an important intervention capable of improving the availability of long-term mortgage funding.

However, sustainable progress would require more than the creation of institutions. Housing agencies must be professionally managed, guided by reliable data and held accountable for measurable results.

Greater involvement of estate surveyors, town planners, architects, engineers, builders, mortgage specialists and other qualified professionals could strengthen coordination across the housing value chain.

A professionally led approach could also help government develop housing programmes that reflect household incomes, population trends, infrastructure capacity and the actual needs of different communities.

Stakeholders maintain that Nigeria can make greater progress in reducing its housing shortage by replacing fragmented interventions with coordinated planning, secure land administration, accessible finance and competent sector leadership.

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Housing development is increasingly becoming part of a broader urban transformation strategy in Ogun State, where new residential projects are emerging alongside roads, infrastructure and expanding economic activity.

One of the areas reflecting this transformation is the corridor around Kobape and the Siun-Sagamu Expressway, where locations that were once largely undeveloped are gradually taking on the characteristics of emerging residential communities.

Under Governor Dapo Abiodun, the state government has positioned housing as an important component of its wider development agenda, linking residential construction with infrastructure and the expansion of urban centres.

The approach reflects a shift from viewing housing simply as the construction of individual homes to treating residential development as part of a larger urban-planning process.

Housing and Infrastructure Moving Together

The growth of new housing communities depends heavily on infrastructure.

Road networks, drainage, electricity, water supply and other services determine whether a housing development can evolve into a functioning neighbourhood.

The development around the Kobape corridor illustrates how new residential projects can contribute to the expansion of Ogun’s urban footprint when supported by improving connectivity and infrastructure.

For Ogun, this is particularly important because of its proximity to Lagos and its growing role as a destination for residential development, manufacturing and other economic activities.

As land becomes increasingly expensive in parts of Lagos, neighbouring areas of Ogun have attracted developers and households looking for alternatives.

Kobape and the Emerging Ogun Urban Corridor

The landscape around Kobape provides an example of how housing can accelerate development in previously underdeveloped areas.

Residential construction brings demand for roads, commercial centres, schools, healthcare facilities and other services. As more people move into an area, private businesses also have greater incentives to establish operations there.

This can create a development cycle in which housing becomes an entry point for broader urban expansion.

However, the long-term success of such developments depends on whether infrastructure keeps pace with population growth.

The Affordability Question

Increasing the number of houses is important, but housing delivery ultimately has to be measured by accessibility.

A development can transform an area physically without necessarily solving the housing affordability problem if the completed homes remain beyond the reach of average households.

This makes issues such as land cost, construction expenses, mortgage availability and household income critical to the success of housing programmes.

For Ogun, the challenge will be ensuring that urban expansion produces communities that are not only attractive to investors but also accessible to workers and families who need affordable housing.

Beyond Building Houses

The wider significance of Ogun’s housing strategy lies in its potential to connect residential development with economic growth.

Well-planned housing can support population growth around employment centres while reducing some of the pressure on Lagos.

But that outcome requires coordinated planning.

Without adequate transportation, drainage, public services and land-use controls, rapid housing development can create new challenges, including congestion, flooding and infrastructure deficits.

The lesson is that housing policy cannot be separated from urban planning.

As Ogun continues to expand, the effectiveness of its housing strategy will ultimately depend not just on how many houses are built, but on whether those developments become sustainable, connected and economically productive communities.

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Human rights lawyer and Senior Advocate of Nigeria (SAN), Femi Falana, has urged organised labour to broaden its advocacy beyond minimum wage negotiations by demanding the enforcement of existing laws and policies that guarantee affordable housing, healthcare, pensions, and other social welfare benefits for Nigerian workers.

Speaking at a symposium in Abuja held in honour of the late labour activist Dr. Segun Osoba, Falana argued that workers’ welfare extends beyond salary increases. He said labour unions should compel governments at all levels to fully implement social protection programmes that improve workers’ living standards and provide long-term economic security.

Falana specifically called for the implementation of the National Housing Act, noting that workers contribute three per cent of their monthly earnings to the National Housing Fund to facilitate access to affordable homes. He questioned why many contributors have yet to benefit from the scheme despite years of deductions, stressing that labour unions should insist on accountability and effective implementation of the programme.

He also expressed concern over Nigeria’s growing housing shortage, stating that millions of Nigerians remain without access to decent accommodation. According to him, affordable housing programmes must be strengthened to ensure workers can benefit from government-backed housing initiatives and improve their quality of life.

Beyond housing, Falana urged labour leaders to advocate for improved health insurance, prompt payment of pensions, better social protection measures, and increased allowances for workers. He maintained that enforcing existing welfare laws would have a greater impact on workers’ well-being than focusing solely on periodic wage increases.

Stakeholders believe Falana’s position reinforces the need for stronger implementation of housing and social welfare policies as part of broader labour reforms. They argue that improving access to affordable housing, healthcare, and social security would complement wage improvements and contribute to a higher standard of living for Nigerian workers.

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The Family Homes Funds Limited (FHFL) has identified the absence of reliable housing data as one of the biggest obstacles to effective housing planning, policymaking, and regulation in Nigeria. The organisation said accurate and up-to-date data is essential for addressing the country’s housing deficit and guiding sustainable urban development.

Speaking at the Stakeholders’ Validation Workshop on the National Housing Data Programme in Abuja, FHFL Executive Director of Operations, Dr. Emeka Inegbu, described data as the foundation of successful housing development. He noted that governments and investors cannot make informed decisions without credible information on housing demand, supply, demographics, land availability, and infrastructure.

According to Inegbu, the lack of reliable housing data has continued to hamper policy formulation, investment planning, and regulatory oversight within Nigeria’s housing sector. He explained that countries with well-developed housing information systems are better positioned to attract investment, improve housing finance, and implement effective housing programmes.

He called for stronger collaboration among government agencies, financial institutions, developers, professional bodies, and research organisations to establish an integrated national housing database. Such a system, he said, would support evidence-based policymaking, improve market transparency, strengthen mortgage financing, and enhance confidence among local and international investors.

FHFL also stressed that credible housing data would improve urban planning, infrastructure development, land administration, and affordable housing delivery by enabling policymakers to accurately assess housing needs and allocate resources more effectively. The organisation maintained that digital data systems would also reduce inefficiencies and improve coordination across the housing value chain.

Industry stakeholders agreed that developing a comprehensive national housing data framework is essential for reducing Nigeria’s housing deficit, attracting investment, and creating a more transparent and efficient real estate market capable of supporting long-term economic growth.

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The Federal Mortgage Bank of Nigeria (FMBN) has said its newly developed National Mortgage Registry will strengthen transparency, improve access to mortgage information, and restore confidence in Nigeria’s real estate market. The digital platform, which has been approved by the National Council on Housing, is designed to serve as a central repository for mortgage transaction records across the country.

Speaking at a stakeholders’ workshop on the validation of the National Housing Data Programme Report and the proposed National Housing and Built Environment Regulation Policy in Abuja, FMBN Managing Director and Chief Executive Officer, Shehu Usman Osidi, disclosed that the registry has reached a major milestone and is ready for deployment. He explained that stakeholder engagement, data collection, cleansing, and validation are currently underway before the system becomes fully operational.

According to Osidi, the registry will provide a reliable digital database of mortgage transactions, enabling financial institutions, regulators, and other stakeholders to verify mortgage information more efficiently. He said the initiative is expected to strengthen risk management, improve transparency, reduce fraud, and increase investor confidence in Nigeria’s housing finance sector.

The FMBN boss noted that the success of the mortgage registry will depend on collaboration among federal and state governments, land registries, financial institutions, mortgage banks, developers, professional bodies, and other industry stakeholders. He added that the project complements the National Housing Data Programme by providing credible information to support housing policy, investment decisions, and mortgage financing.

Osidi reiterated that reliable housing and mortgage data are essential to addressing Nigeria’s housing deficit and expanding access to affordable homeownership. He maintained that a transparent mortgage system will improve confidence among investors, lenders, developers, and prospective homeowners while supporting sustainable growth in the real estate sector.

Industry stakeholders described the National Mortgage Registry as a significant step towards modernising Nigeria’s housing finance ecosystem. They believe the platform will improve mortgage documentation, enhance property transaction security, strengthen consumer protection, and promote greater accountability across the real estate industry.

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A former President of the Real Estate Developers Association of Nigeria (REDAN), Dr. Aliyu Wamakko, has urged the Federal Government to declare a state of emergency on rising building costs instead of focusing on rent regulation, arguing that the country’s housing affordability crisis is fundamentally driven by the high cost of housing production.

Speaking in Abuja, Wamakko said soaring prices of construction materials, land acquisition, labour, infrastructure, and financing have significantly increased the cost of developing residential properties, making it impossible for developers to offer affordable rental housing. He maintained that high rents are a consequence of expensive housing production rather than the primary cause of the housing crisis.

According to him, the prices of cement, steel reinforcement, roofing materials, electrical fittings, plumbing supplies, and other essential construction inputs have risen sharply in recent years, while labour and financing costs have also increased substantially. He noted that developers cannot recover their investments if rental prices are artificially suppressed without addressing these underlying production costs.

Wamakko called on the Federal Government to prioritise policies that reduce the cost of building materials, expand access to affordable long-term financing, strengthen local manufacturing, improve energy supply, lower transportation costs, and encourage large-scale housing development. He argued that such measures would increase housing supply and naturally reduce rental prices over time.

He warned that attempts to regulate rents without tackling the economic realities of housing development could discourage private investment in the real estate sector and worsen the country’s housing shortage. Instead, he advocated market-driven solutions supported by government policies that lower construction costs and stimulate investment in affordable housing.

Housing experts have consistently maintained that reducing construction costs, expanding mortgage financing, simplifying land administration, and increasing infrastructure investment are essential to improving housing affordability and addressing Nigeria’s estimated housing deficit. They believe that boosting housing supply remains the most sustainable strategy for easing pressure on rental prices while supporting long-term economic growth.

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The Nigerian Institution of Estate Surveyors and Valuers (NIESV) has stressed that reliable, timely, and accurate housing data is critical to addressing Nigeria’s housing challenges, urging policymakers to adopt data-driven decision-making to improve housing delivery, land administration, and urban planning. The institution said credible information remains the foundation for effective housing policies and sustainable real estate development.

Speaking on the need for stronger data systems, NIESV President Bature Muhammad noted that estate surveyors and valuers play a central role in generating property market data that supports investment decisions, property valuation, infrastructure planning, and government policy formulation. He said dependable housing data is essential for tackling the country’s housing deficit and improving transparency in the real estate sector.

Muhammad explained that the absence of comprehensive and up-to-date housing data has contributed to poor planning, inefficient allocation of resources, and weak policy implementation. He called for stronger collaboration between government agencies, professional bodies, and private sector stakeholders to establish an integrated national housing data system capable of supporting long-term planning and investment.

The NIESV president also advocated greater use of digital technologies, including Geographic Information Systems (GIS), property databases, and digital land administration platforms, to improve the accuracy and accessibility of housing information across the country. According to him, modern data management tools would strengthen property registration, market analysis, and investment confidence while reducing inefficiencies in the sector.

Industry stakeholders observed that reliable housing data would enable governments to better understand housing demand, monitor market trends, identify infrastructure gaps, and design targeted affordable housing programmes. They added that improved data collection would also enhance mortgage financing, property taxation, and urban development planning.

The institution maintained that strengthening Nigeria’s housing information system is essential for creating a more transparent, efficient, and sustainable real estate market capable of supporting economic growth and improving access to decent housing for millions of Nigerians.

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The Minister of Housing and Urban Development, Muttaqha Rabe Darma, has called for stronger regulatory frameworks to improve accountability, quality, and sustainability in Nigeria’s housing sector. He said effective regulation is essential to tackling the country’s housing deficit, promoting investor confidence, and ensuring that housing developments meet acceptable standards.

Speaking at a stakeholders’ engagement, Darma stressed that Nigeria’s rapidly expanding housing market requires modern policies and stronger enforcement mechanisms to protect homebuyers, encourage responsible real estate development, and improve access to affordable housing. He noted that a well-regulated sector would attract greater domestic and foreign investment while supporting long-term economic growth.

The minister explained that regulatory reforms should focus on improving compliance with building standards, strengthening quality assurance, enhancing transparency in land administration, and ensuring greater professionalism across the housing value chain. He added that collaboration between government agencies, developers, financial institutions, and professional bodies is critical to achieving sustainable housing development.

Darma also emphasised the need for improved urban planning, efficient project delivery, and wider adoption of innovative construction technologies that can reduce housing costs without compromising quality. According to him, strengthening institutional capacity and regulatory oversight will help address recurring challenges such as substandard construction, building failures, and delays in project execution.

Industry stakeholders welcomed the minister’s position, noting that a predictable regulatory environment would improve consumer protection, reduce investment risks, and encourage private sector participation in affordable housing projects. They argued that consistent enforcement of existing regulations, alongside policy reforms, is necessary to build a more resilient and transparent housing market.

Experts further observed that stronger governance, digital approval systems, and streamlined development processes could significantly improve housing delivery while supporting Nigeria’s broader urban development and infrastructure objectives.

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The Association of Housing Corporations of Nigeria (AHCN) has called on the Federal Government to establish a National Housing Delivery Framework and dedicated Housing Infrastructure Funds to accelerate affordable housing delivery and address Nigeria’s growing housing deficit. The association said a coordinated national strategy is essential for scaling up housing production and improving access to decent homes for low- and middle-income earners.

The call formed part of a communiqué issued at the end of AHCN’s two-day National Workshop on Affordable Housing Solutions for Low-Income Earners in Emerging Real Estate Markets and its 49th Annual General Meeting held in Calabar, Cross River State. Delegates noted that rising inflation, foreign exchange volatility, and increasing construction costs continue to widen the affordability gap across the housing sector.

AHCN urged governments, financial institutions, and development partners to create financing frameworks tailored to the needs of state housing corporations. The association also recommended greater adoption of locally manufactured building materials developed by the Nigerian Building and Road Research Institute (NBRRI), arguing that reducing dependence on imported materials would lower construction costs and improve housing affordability.

The association further advocated the use of industrialised construction technologies, including prefabricated housing, modular construction, and precast concrete systems, to speed up project delivery while reducing development costs. It also encouraged stronger collaboration among the Federal Mortgage Bank of Nigeria (FMBN), Family Homes Fund, MOFI Real Estate Investment Fund (MREIF), and other stakeholders to mobilise long-term financing for affordable housing projects.

AHCN expressed concern that many state housing corporations have become ineffective due to years of inadequate funding and institutional neglect. It urged state governments to strengthen these agencies through policy reforms and avoid merging them with ministries, warning that such practices weaken their capacity to deliver mass housing.

The association also highlighted the growing number of completed but unoccupied housing units in major cities, noting that many homes remain unaffordable for the people they were built to serve. It stressed that improving access to land, infrastructure financing, and affordable mortgages would help bridge the gap between housing supply and demand while restoring public confidence in government-led housing initiatives

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