MORTGAGE FINANCING IN NIGERIA: PROSPECTS AND CHALLENGES
Table Of Contents
Title Page
Dedication
Declaration
Certification
Acknowledgement
Table of Contents
Table of Cases
Table of Statutes
List of Abbreviations
Abstract
Chapter ONE
: GENERAL INTRODUCTION1.1 Background to the Study
1.2 Statement of the Problem
1.3 Objectives of the Study
1.4 Significance of the Study
1.5 Research Questions
1.6 Research Methodology
1.7 Scope of the Study
1.8 Literature Review
Chapter TWO
: CONCEPT AND EVOLUTION OF MORTGAGE FINANCING IN NIGERIA2.1 Definition of Mortgage
2.2 Historical Overview of Mortgage Financing in Nigeria
2.3 Types of Mortgage Financing
2.4 Sources of Mortgage Financing
Chapter THREE
: LEGAL FRAMEWORK FOR MORTGAGE FINANCING IN NIGERIA3.1 Legal Regime for Mortgage Financing in Nigeria
3.2 Institutional Framework for Mortgage Financing
3.3 Economic Implications of Mortgage Financing
3.4 Structure of the Nigeria Mortgage Market
Chapter FOUR
: PROSPECTS AND CHALLENGES4.1 Prospects of Mortgage Financing in Nigeria
4.1.1 An Overview of Housing Delivery Policies in Nigeria
4.1.2 Government Functions on Housing Delivery
4.1.3 Assessment of Housing Delivery in Nigeria Today
4.2 Challenges of Mortgage Financing in Nigeria
4.2.1 Low Interest Rate on National Housing Fund
4.2.2 Low Level of Partnership in National Housing Fund
4.2.3 Macroeconomic Environment
4.2.4 Non-Vibrancy of Some Primary Mortgage Institutions
4.2.5 Cumbersome Legal Regulatory Framework for Land Acquisition
4.2.6 The Structure of Bank Deposit Liabilities
4.2.7 Risk Sharing
4.2.8 Knowledge Gap
4.2.9 Taxes
Chapter FIVE
: SUMMARY, CONCLUSION AND RECOMMENDATIONS5.1 Summary
5.2 Conclusion
5.3 Recommendations
Bibliography
Project Abstract
Mortgage financing are structured financial arrangements provided by approved financial institutions that accept real estate as security for the loan. Basically, mortgage financing is used to acquire or purchase or develop a property. However, it is also used to access the equity on an existing property. This research work examined various mortgage financing policies in Nigeria, highlight their performance with a view to identify the challenges inhibiting the optimal performance of the mortgage financing structure in Nigeria and suggest the way forward. The methodology adopted was a trend analysis of the various components of the policy measures of the sector. The research however, found that low awareness about existing mortgage financial arrangements, low financing capacity of the mortgage institutions and inefficient legal framework among others, remained the major impediments to the growth of the sector. It recommended that identification of new sources of financing of mortgage institutions, streamlining of legal documentation framework and an active participation of the private sector would position the sector to perform optimally and contribute to the overall economyProject Overview
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