ABSTRACT: The aim of the projects is to examine and evaluate the possible effect encountered in housing development in Nigeria. The problem has come to a point that the state private corporation and individual should seat and finance housing developments and problems of housing finance. The possible effect encountered in housing development assisted by the commercial bank in portharcourt metropolis. This property counts on the physical, social, economic values derived from it. And as well highlights some ways and amendments. It is well entails those project supervised by the commercial banks such as florda estate, choba estate, portharcourt state international/ conference centre. The researcher has taken pains to look into the commercial bank in portharcourt metropolis and the entire study concerning of source of finance and problems of housing estate finance. The commercial banks in housing development in River State, portharcourt metropolis was discussed under chapter five (5) chapter one is the introduction, background of the study, statement of the problem, aims and objective, re search question, significance of the study, scope of the study, limitation of the study, overview of the study. Chapter two concentrates in review of related literature on the subject. While chapter three deals on the description of the study area to achieve these methodology employed by the author under primary collected information. In the field survey includes observation, interview use of questionnaire, secondary data collection where applied, the characteristics of the data collection technique. The analysis use was yaro yamanes fourmulars of observation, chapter four shows the questionnaire distribution by the Estate surveyor and real estate investors, staff of the commercial banks, civil servants. Summary of the findings, major recommendations and conclusion are made in chapter five.
TABLE OF CONTENTS
CHAPTER ONE
1.0 INTRODUCTION 1
1.1 Background of the Study 1
1.2 Statement of the Problem 2
1.3 Aim and Objective 3
1.4 Research Question 4
1.5 Significance of the Study 5
1.6 Scope of the Study 6
1.7 Limitation of the Study 6
1.8 Overview of the Study 7
1.9 Definition of Terms 7
CHAPTER TWO
2.0 LITERATURE REVIEW 9
2.1 Introduction 9
2.2 Definition of Commercial Bank 10
2.3 Function of Commercial Bank 12
2.4 Development of the Commercial Bank 12
2.5 Commercial Bank Create Credit or Money 13
2.6 Establishment and Organization of
Commercial Banks 16
2.7 Housing Development Estate Finance Problems 17
2.8 The Concept of Housing Development by
Commercial bank 19
2.9 Mode of housing development and
application by commercial bank 20
2.10 Function which commercial bank play in
housing development in Nigeria 22
2.11 Development of housing 23
2.12 Definition of housing 25
2.13 Force affecting housing development 29
2.14 Activity system and Nigeria house use 29
2.15 Nigeria house and the economic value 30
2.16 Housing use situation 31
2.17 Various house use in portharcourt metropolis 32
2.18 Various housing development assisted by
commercial bank 33
2.19 Housing estate as an investment 34
2.20 Summary of review literature 40
CHAPTER THREE
3.0 RESEARCH METHODOLOGY AND DESIGN 43
3.1 Research design 43
3.2 Brief description of study area 44
3.3 Population of the study 45
3.4 Sample size and sampling techniques 46
3.5 Source of data 47
3.6 Instrument of data collection 48
3.7 Method of data presentation and analysis 49
3.8 Method of data presentation and analysis 49
CHAPTER FOUR
4.0 DATA PRESENTATION AND ANALYSIS 50
4.1 Introduction 50
4.2 Presentation of data base 50
4.3 Presentation data according to research
question and questionnaire 52
4.4 Data analysis 52
CHAPTER FIVE
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