Federal Ministry of
Works and Housing (FMWH)
Federal Republic of Nigeria
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Honorable Minister for Housing and Urban Development, Arc. Ahmed Musa Dangiwa delivering his remarks at the 12th Meeting of the National Council on Lands, Housing and Urban Development on Thursday, 16th November 2023

Keynote Address by the Honourable Minister, Federal Ministry of Housing & Urban Development, Arc. Ahmed Musa Dangiwa, at the 12th Meeting of the National Council on Lands, Housing and Urban Development (NCLHUD) Holding from 13th - 17th November 2023

Your Excellency, the President, Commander in Chief of the Armed Forces, Bola Ahmed Tinubu, GCFR
Your Excellency, Vice President, Federal Republic of Nigeria, the Kashim Shettima Mustapha, GCON,
The Hon. Minister of State, Ministry of Housing and Urban Development, Alhaji Tijjani Gwarzo
Your Excellency, the Executive Governor of Kaduna State, Senator Uba Sani
Permanent Secretary, Federal Minister of Works and Housing
Heads of Parastatals and Agencies,
Distinguished Commissioners
Housing industry Stakeholders
Members of Civil Society and Non-Governmental Organizations,
The Media and members of the Press,

Distinguished Ladies and Gentlemen,


1.    It is my pleasure to welcome the Distinguished Members of the Council and other dignitaries to the 12th Edition of the National Council on Lands, Housing and Urban Development with the theme: “Harnessing Local and International Credit Schemes as a Panacea for Affordable Housing Infrastructure Development Under the “Renewed Hope Agenda”.

2.    This is my first attendance at the National Council on Lands, Housing and Urban Development as the Minister of Housing and Urban Development. Before now I attended it for several years as the Managing Director/Chief Executive of the Federal Mortgage Bank of Nigeria (FMBN). So, I understand all the issues that are of concern to the Council and requiring urgent attention.  

3.    These challenges include the inefficiencies in our land administration processes, infrastructure deficit, high construction costs and weak household demand. Others are inadequate access to affordable housing financing options, which I believe informed the theme of this year’s Council.

4.    Today, as you are all aware, we have a stand-alone Ministry of Housing and Urban Development. The last time we had this independence was decades ago, so we do not take it for granted. 

5.    By this demerger, His Excellency, President Bola Ahmed Tinubu, GCFR, has shown that housing is a top priority for his government, because of its unique potential to catalyze economic growth, create jobs and lift millions out of poverty.

6.    The implication is that Mr. President now expects action and results. So as Commissioners of Housing and critical stakeholders in the housing delivery value chain at both national and sub-national levels, we must all up our game. We must work harder to break all the barriers that have mitigated against the progress of the sector.  

7.    At the Ministry of Housing and Urban Development, we are committed to providing the right leadership as the focal driver of His Excellency’s bold vision for the housing sector. Indeed, we are charting a progressive, proactive, and knowledge-based approach to address these by thinking out of the box.

8.    We are exploring creative solutions and will implement necessary reforms so that we can rewrite the story of housing and urban development in our dear country. I urge you all to join me so that when the story of the transformation of the sector is written, you will be happy to have contributed your patriotic quota.

9.    Before I proceed, I would like to express my sincere appreciation to the Executive Governor of Kaduna State, His Excellency, Senator Uba Sani for accepting to host this 12th Meeting of the Council in Kaduna State at such a brief notice.  We sincerely thank you for your support and understanding. We also want to appreciate the warm reception and the hospitality that the good people of Kaduna State have accorded us all.

10.    I must also say it is a divine coincidence that this Council Meeting is holding in Kaduna State after being planned for another state. This is because Kaduna State has demonstrated exemplary leadership in housing development. The State stands as a good example of how we should approach the challenges in the housing sector.

11.    In June 2017, Kaduna State became one of the first states in the country to adopt and pass into law the Model Mortgage Foreclosure Law (MMFL). Kaduna State now has a functional State Mortgage and Foreclosure Authority that coordinates   and   promotes   housing investments   and   mortgage   development activities as stipulated in the foreclosure law.

12.    On the supply side, Kaduna State has implemented reforms in land administration, titling and registration and offered fiscal incentives, among others. They have digitized land administration through the Kaduna Geographic Information Service (KADGIS), provided land for willing developers to help expand the housing stock and even began direct construction of low-medium income housing by their Ministry of Housing and Urban Development. On the demand side, they have developed single-digit interest rate mortgage arrangements with Sterling Bank, FHA Mortgage Bank and NMRC. The mortgage arrangement with Sterling Bank has enabled the buyers of non-essential government residential assets, more than 80 percent of whom are civil servants, to secure mortgage loans to pay for the properties which were sold at open market value.     

13.    As a result, the revenue generation for the State has risen tremendously at over 44billion per annum. The State has been in the top 10 revenue generating States in Nigeria and first among the Northern States.

14.    Kaduna has made all this possible despite the lack of amendments to the Land Use Act. It is therefore no wonder that the state has become a major source of foreign direct investment.

15.    I am particularly impressed by the State’s Qatar Sanabil Project, which aims to deliver about 500,000 housing units.  This is a laudable feat and testament to the business-friendly environment of Kaduna State that is worthy of emulation.

16.    As I mentioned earlier, Housing is one of the critical sectors earmarked for focus under President Bola Ahmed Tinubu’s Renewed Hope Agenda.  It is tied to Four (4) of the Eight (8) key presidential priorities of the current government namely, Economic growth and Job creation, Access to capital, social inclusion or Inclusivity and Ending poverty.  These Four presidential priorities of Government underline the priorities of the Federal Ministry of Housing and Urban Development over the next 4 years through the following efforts:

a.    Reform of Federal Housing Institutions such as the Federal Housing Authority (FHA), Family Home Funds (FHF) and the Federal Mortgage Bank of Nigeria (FMBN) to enhance efficiency and capacity.

b.    Establishment of a National Social Housing Fund to cater to the housing needs of the NO INCOME, homeless and vulnerable groups. .

c.    Review of the Land Use Act (1978) to streamline access to land.

d.    Establishment of a robust Mortgage Registry to facilitate property transactions and increased home ownership;

e.    Increasing housing supply

f.    Establishment of private sector-led local building materials manufacturing clusters in each geopolitical zone of the country.

g.    Development of fiscal incentives for private Investors to manufacture local building component.

17.    The achievement of these targets would require an “All of Government” Approach and Actions that foster continuous engagement between Governments at all levels along with the private sector and relevant International Organizations operating in the Housing sector. This approach is particularly required because land is a serious impediment to the expansive construction of mass, social and affordable housing in Nigeria.  Accordingly, the contribution of State Governments who are critical Stakeholders, being the custodian of land in line with the Constitution and the current Land Use Act, is vital.

18.    As the Minister of Housing and Urban Development, I have taken Mr. President’s vision and am determined to actualize it.  Our aim at the Ministry is to implement the most historic housing and urban sector reforms the country has ever witnessed. We want to drive through initiatives that will create an enabling environment for easier, safer, and profitable private sector investments in the sectors.

19.    A notable part of our housing sector reforms is land reforms. What we envision is a streamlined land administration that cuts through the bureaucratic bottlenecks and systemic inefficiencies to ensure cost effective and efficient access to land for both individuals and investors in our country.

20.    Currently, we have a situation where the Land Use Act, which was enacted in 1978 has no complementary institution set up alongside it to provide the necessary framework, guidelines, and regulations for operationalizing it. Under the Renewed Hope Agenda of His Excellency, President Bola Ahmed Tinubu, GCFR, we aim to fix this systemic anomaly. We are working to establish a National Land Commission. Part of their work will be to outline clear implementation guidelines for the Land Use Act to chart a new path of effective land administration in the country.

21.    Only recently, I invited members of the Presidential Technical Committee on Land Reforms (PTCLR) to the Ministry, and I must say that the work they have done over the past 14 years is comprehensive and commendable. We have set up an Internal Committee to review their submissions for inclusion in our land reforms strategy.

22.    Despite challenges, I believe there is hope for a significant turnaround for the Housing and Urban Development sector in Nigeria. My confidence lies in the fact that we have a President who is a visionary, and a gamechanger. He has shown that he has the political will to back his bold vision of providing affordable and quality housing for all.

23.    With Mr. President’s support, we are set to commence Phase 1 of the Renewed Hope Cities and Estates and Slum Upgrading Programme nationwide before the end of this year.  The Phase 1 of the project is targeted to deliver 34,500 housing units consisting of 1, 2 and 3-bedroom affordable multi-level flats and bungalows for low-income earners, as well as high-end detached bungalows, terraces and duplexes for high income earners in Thirty (30) States of the Federation including, Kano, Lagos, Rivers, Borno, Enugu, Nasarawa, and the Federal Capital Territory (FCT).

24.    To ensure affordability for Nigerians we have already mapped out the following options. These include Rent-to-Own, Public Rental, Mortgage Loans, and where applicable, outright sale.  

25.    With regards to the Slum Upgrading Programme, the Ministry plans to upgrade a total of 26 slums in the Six (6) regions of the country, including the Federal Capital Territory. This project would ensure the provision of key infrastructure and ancillary services including access roads, water supply, solar streetlight, drainages, sanitation and waste management services etc., that would improve the living standards of the slum residents in the project sites and the urban poor in general.

26.    In the Federal Ministry of Housing and Urban Development the issue of financing housing development and urban infrastructure remains priority.  Some of these innovative financing and credit-driven approaches, which could be exploited to its fullest potential include:

a.    Increasing the adoption of Public-Private Partnerships (PPPs) and similar Institutional arrangements.
b.    Encouraging the growth of various Credit schemes, Housing Cooperatives and Rent-To-Own Schemes;
c.    Increasing access to Multilateral/Bilateral, Pension Funds and Capital Market funding sources.
d.    Expanding housing construction finance from Federal and State Housing Agencies.

27.    Distinguished Ladies and Gentlemen, I would like to conclude by encouraging each one of you to see yourselves as the visionaries and gamechangers of land administration in your various states. As you aim to attract financing to your various states, we cannot do this effectively if we do not have a streamlined land administration system. It will not be possible if we do not have a model mortgage foreclosure law passed and operational in your state. Experts agree that it is not possible to have sustainable economic growth without land reforms.

28.    So, my charge for all of you as Commissioners of Housing is that you should go back to your States as Senior Advocates of Land Reforms (SALRS). Impress on your State Governments to toe the line that Kaduna and some states such as Ekiti, Nasarawa, Lagos have toed by passing the Model Mortgage Foreclosure, implementing land titling and property registration using GIS even as we work to review the Land Use Act of 1978.

29.    Let me assure you all that the Federal Ministry of Housing and Urban Development would continue to work closely with Members of the Senate and House Committees on Lands, Housing and Urban Development to ensure successful passage and review of the laws required to ensure speedy realization of all the Ministry’s and Sector’s plans and targets.

30.    Before I close, I would like to express my sincere gratitude to the Chairman, Senate Committee on Housing, H.E. Senator Aminu Tambuwal, the Chairman, House Committee on Housing and Habitat, Hon. Balele Aminu and Chairman, House Committee on Regional Planning and Urban Development, Hon. Abiante Awaji for their continuous legislative support towards the development of the Housing Sector in Nigeria.

31.    My greetings and appreciation also go to all Participants and Resource persons.  I thank you all for your efforts and contributions to the success of this Meeting.

32.    Finally, I would like to again reiterate and assure you of the Ministry’s commitment to sustaining the necessary collaborations, partnerships and engagements with all relevant Stakeholders in the Housing and Urban Development sector, as we all work together towards providing affordable housing and ensuring sustainable urban development in Nigeria.

33.    Thank you all for your attention and God bless.




Honourable Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa, performing the ground-breaking for a 480-housing unit project at the Kukwaba area of Abuja, on Thursday, 30 November 2023

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Honourable Minister of Works, Sen. Engr. Nweze David Umahi with Governor of Kogi State, Yahaya Bello and the newly elected Governor of the State Ahmed Usman Ododo during a visit in his office at the Ministry's Headquarters, Abuja on Thursday, 30th November 2023.

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