Delivery Of Low Income Housing In Nigeria Prospects And Challenges

Delivery Of Low Income Housing In Nigeria Prospects And Challenges

Abstract

The exploration is an assessment of the delivery of low income casing in Nigeria, it analyzes the prospect and challenges of delivery of low income casing in Nigeria and intends to profer recommendations toward an effective delivery of low income casing in Nigeria.

Preface

casing is consummate to mortal actuality as it ranks among the top three requirements of man. Its provision has always been of great necessity to man.

As a unit of the terrain casing has profound influence on the health, effectiveness, social geste , satisfaction and general weal of the community. It’s a reflection of the artistic, social and profitable values of a society and one of the stylish literal attestations of the civilization of a country( Olotuah, 2000).

The provision of acceptable casing in any country is veritably vital as casing is a goad of the public frugality. casing is a set of durable means, which accounts for a high proportion of a country’s wealth and on which homes spend a substantial part of their income. It’s for these reasons that casing has come a regular point in profitable, social and political debates frequently with largely charged emotional contents( Agbola, 1998).

In Nigeria, like by numerous other developing nations of the world casing problems are multi dimensional. The problems of population explosion, nonstop affluence of people from the pastoral to the civic centres, and the lack of introductory structure needed for good standard of living have compounded casing problems over the times. Access to this introductory need by the poor who constitute the largest chance of the world population has remained a mirage and it needs to be critically addressed. Ogieto( 1987) has observed that the difference between the price and volume of casing on the one hand, and the number of homes and the plutocrat available to them to pay these prices on the other, constitutes the central problem of casing. The cost at which houses reach the request goes a long way to determine affordability. Where the unit cost of houses is abnormally high only a many people are suitable to go the houses. According to Okupe and Windapo( 2000) the gap between income and sanctum cost in Nigeria is veritably wide.

This has nearly excluded the low- income earners from the casing request, The exploration intends to give an assessment of the delivery of low income casing in Nigeria; its prospect and challenges

Chapter 1

Background Of The Study

deficit of acceptable casing nearly abounds in every country, particularly in the developing and third world countries. The deficit, in both quantitative and qualitative terms, is more acute in the civic centres. Omojinmi( 2000) observed that people that sleep in nasty houses in civic Nigeria are further than people who sleep in decent houses. therefore, it’s assertive that there’s inadequacy in casing to manage with the ever- adding population in Nigeria( Arayela, 2003). The causes of this dearth in casing are multitudinous. High construction cost is set up to be present in all countries, albeit in varying degrees of significance( Adedeji, 2007). Afolayan( 1987) attributes the high cost of construction to rising cost of structure accoutrements , affectation rate in the frugality, high space and quality standard espoused by contrivers, professional freights for casing design and construction, inordinate profit of contractors and 10 interest outstanding on National Housing Fund in Nigeria( NHF). Cases of high cost of casing compared to the low hires of civil retainers in Nigeria could be seen in the trade of 2- bedroom bungalows at Otedola Estate in Lagos, which according to LSG( 1999) was the cheapest accessible and the posterior trade of 2- bedroom flat at Ikorodu by LSDPC( Lagos State Development and Property Corporation) at N1.7 Million. The exploration intends to probe the delivery of low income casing in Nigeria; its challenges and prospect.

Statement Of The Problem

The incapability of numerous Nigerian workers to go good casing has grown to a lesser dimension, the recrimination performing in low morale and productivity. still in view of the significance of casing delivery it’s material that the issue of casing delivery be duly addressed. The exploration intends to probe the delivery of low income casing in Nigeria; its prospect and challenges

Exploration Questions

1 What’s the nature of low income casing delivery in Nigeria

2 What constitute the challenges and prospect of low income casing delivery in Nigeria

Ideal Of The Study

1. To estimate the nature of low income casing delivery in Nigeria

2 To determine the nature of the challenges of low income casing delivery in Nigeria

3 To estimate the prospect of low income casing delivery in Nigeria

Significance Of The Study

The exploration shall give an assessment of the challenges and prospect of low income casing delivery in Nigeria and shall serve as a veritable source of information on low income casing delivery.

Statement Of Thesis

1 H0 The delivery of low income casing in Nigeria is low

H1 The delivery of low income casing in Nigeria is high

2 H0 The challenges of low income delivery in Nigeria is high

H1 The challenges of low income delivery in Nigeria is low

3 H0 The prospect of low income delivery in Nigeria is low

H1 The prospect of low income delivery in Nigeria is high

Compass Of The Study

The compass of the study is concentrated on the assessment of the delivery of low income casing in Nigeria. It analyzes the challenges and prospect of the delivery of low income casing in Nigeria.

Description Of Terms

NATIONAL HOUSING FUND DEFINED

The National Housing Fund( NHF) scheme came into being through an Act of the National Assembly( ActNo. 2 of 1992). National Housing Fund handed that2.5 of the income of workers be paid to the fund as obligatory savings.

LOW INCOME EARNERS DEFINED

The Nigerian National Housing Policy( FGN, 2004) defines the low- income group as all workers and tone- employed persons whose periodic income is N100, 00000 and below( i.e. the fellow of payment grade position of 01- 06 within the civil service). Interestingly, the public minimum pay envelope is N44, 000. 00 per annum. About fifty- seven percent( 57) of the Nigerian population falls below the poverty line, which is on the normal ofUS$ 1 per day( Wahab, 2006). In reality, utmost workers who work outside the public sector or outside the organized private sector, as well as numerous tone- employed Nigerians earn well below the public minimum pay envelope.