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ABSTRACT: For sometimes now, it has been observed that some people dwell in tents while others live in thatched mud houses, some yet live in dilapidated concrete buildings while other chose to live in tenements, bungalows, flats and messiness of varied structural strength and aesthetics. Also, the size of these structures and their construction materials vary greatly and site differences exist. As a result of these observations, the study was on the housing problems and why these discrepancies exist. The title of the research therefore is “financing of real estate in a democratic society’. Considering the place of shelter in the life of many provision of housing is supposed to be adequate and supply man’s tastes and descries, bat these days, a lot of uncompleted buildings exist in our village and towns and people live in any available accommodation because they do not have the finance to complete the buildings and live in accommodations of their choice.            

TABLES OF CONTENTS

CHEAPER ONE 

1. Introduction                                                                            1

1.1       Statement of problem                                                                         2

1. Background of study                                                              3
2. Objective of study                                                                              4
3. Significance of study                                                              5
4. Scope and limitation of study                                                             5
5. Definition of terms                                                                 6
6. Research methodology                                                                       8

CHAPTER TWO       

LITERATURE REVIEW                                                                  9

Historical background to housing and

housing finance in Nigeria.                                                                 9

1. The need and demand for housing in Nigeria.                       9
2.  Participants in the financing of real estate in Nigeria.           21
3. The public sector.                                                                                21

1. The federal housing authority                                           22
2. States housing development authority corporation          24
3. The federal mortgage bank of Nigeria                              28
4. Insurance companies                                                                     38
5. The national provident fund                                                         41
6. Pension funds                                                                               44
7. Other financial (commercial banks)                                  45

2.4       The private sector                                                                                46

1. Property development companies                               48

2.5       The role of Housing finance in housing development            50

2.6       Sources of real estate finance in Nigeria.                                51

1. The traditional sources                                                            52
2. The modern sources                                                    55
   1. Problems arising from inadequate                                          

financing of real estate in Nigeria.                                          57       

CHAPTER THREE

Enugu State Housing Development Ebeona                          60

1. Aims and objectives                                                                61
2. Functions of he corporation                                                    63

Revenue and Finding of Ebeano Housing Estate Enugu       64

3.3       Loans                                                                                      66

1. From the government                                                  66
2. From financial institutions                                          68       

CHAPTER FOUR

            Housing Development by Eshda                                            71

1. Land acquisition                                                                                 71
2. Perceliation                                                                &
   
   
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