Posted: 2022 | Pages: 69 | Format: MS Word | Chapters: 1-5 | Others: Questionnaires & References

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ABSTRACT

The cost of adequate housing is currently beyond the reach of most Nigerians, this, thus brings in the financial dimension; the question of the affordability of housing. The housing policy was intended to solve the housing problems in Nigeria especially for the low-income earners. This study tries to examine the past government housing policies with keen emphasis on low-income earners. The objectives were to investigate the causes of failure to implement existing housing policies, to determine how low-income earners have benefited from the program and suggest ways to improve on the effectiveness of the policy. A total of 107 questionnaires was administered; 10 questionnaires each was distributed to Estate Surveyors and Valuers, staff of Federal Housing Authority and Federal Ministry of Works and Housing respectively and 140 questionnaires was administered to occupants of the 3 housing estates under study. The random sampling techniques was adopted in collecting samples for the study. The research found out that the allocation system was not owners occupiers’ scheme, that there was no basis for the disposal of the houses since it was only a cash and carry scheme, only a few low-income earners dwell in government housing estates and no special consideration was given to low-income earners. The study recommends that government should reduce the cost of disposing her housing units so that the low-income earners would afford to procure, government should review their role in direct housing construction and government officials should consider past experience to further improve their methods of executing housing plans.

INTRODUCTION

1.1     BACKGROUND OF STUDY

Shelter represents one of the most basic human needs and tends to affect the health, welfare and productivity of the individual in spite of its importance, there is still unfortunately, a universal shortage. The situation is particularly serious in the developing countries of the world where population growth and urbanization are increasing more rapidly and where the gap between the need and supply is greatest. Government there recognizes the crucial importance of housing especially in the urban areas.

Housing has often been described as one of the basic necessities of life after food and clothing. It offers man protection against uncontrollable natural elements (rainfall, sunshine, snow and wind) and others in form of invasion. Housing also serves as status quo in a society. A man’s home is next to his comfort or discomfort strength or weakness accomplishment or personal defeats. The importance of housing to man has thus made the human needs for it a world wide problem and since it is recurring nature, it is doubtful if any modern society has been able to cope satisfactorily with all its housing requirements.