THE IMPACT OF MORTGAGE BANKING IN NIGERIANS ECONOMIC DEVELOPMENT PROGRAMMES.

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THE IMPACT OF MORTGAGE BANKING IN NIGERIANS ECONOMIC DEVELOPMENT PROGRAMMES.

ABSTRACT

This is a research on Mortgage Banking in Nigerian Economic Development Programmes. The research sorted to know for the existence of mortgage banking has been fact by the people and to the extent their objectives has been achieved. In carrying out this research the researches made us of oral interested and questionnaire and the finding infere that mortgage bank it towards the economic development has been felt through many areas of their promotional activities such as loan advancement home and house renovators and refurbishment etc. Therefore, it was this base that mortgage banking has been appreciated by the greatly achieved.

CHAPTER ONE

1.1 BACKGROUND OF THE STUDY

FEDERAL MORTGAGE BANK OF NIGERIA (FMB)

Housing is one of the Importance factors that determine Urban forms and constitutes the single most serious problem facing large cities in Nigeria today.

In the 1950s and 1960s, the need to finance housing in Nigeria remained so small mainly because of low urbanization level. The byoyancy of the Nigeria economy in the 1970s and the uneven spatial distribution of industrial development accelerated the rate of urbanization in Nigeria. The heretherto uncontrolled and unplanned urbanization resulted in housing shortages in qualitative and quantitative forms. There existed today a yawning gap between the demand and supply of decent accommodation. The consequence of excess demand over supply, was high rent, and the growth of informal rationing system which discriminated against the poor to the extent that over half of the urban population in Nigeria live in slump against this background and considering the fact that housing provides the physical frame work in which man’s human, social, economic and cultural resources are realized, entrenched and integrated, it becomes obvious that adequate housing deserved great attention. In realization of the importance attached to housing the federal government of Nigeria established the Federal Mortgage Bank of Nigeria in the year 1977 as a successor to Nigeria Building society established in the year 1956.

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