KNOWLEDGE, ATTITUDE AND PRACTICE OF FINANCING REAL ESTATE PURCHASE THROUGH MORTGAGE IN NIGERIA
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KNOWLEDGE, ATTITUDE AND PRACTICE OF FINANCING REAL ESTATE PURCHASE THROUGH MORTGAGE IN NIGERIA
PROJECT TOPICS AND MATERIALS ON KNOWLEDGE, ATTITUDE AND PRACTICE OF FINANCING REAL ESTATE PURCHASE THROUGH MORTGAGE IN NIGERIA
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND TO
THE STUDY
Everyone dreams of
owning property someday
but with the constant
rise in Nigerian
property prices, saving
towards buying some piece
of real estate seems
almost impossible- particularly
for young people in
Nigeria. Although saving
towards acquiring property
is one option, it
may often be
disheartening because each
time a certain amount has
been saved, one
discovers that the
property prices have risen
and once again
the asset is
just out of
reach. Mortgaging property may
break this frustrating cycle.
Housing has been universally accepted as a very important
and essential human need. In fact,
world acclaimed American psychologist Abraham Maslow ranked
shelter as second
only to food
in his hierarchy of
human needs. This
form of security
is thus a
basic necessity of
life which every
Nigerian should readily
have access to
without deprivation. One
of the most
worrisome features of Nigerian
urban centers is
the growing level
of over-crowding and in
some cases outright
homelessness. It is common place
to see families
of eight persons
in a single
room in a tenement building
usually referred to
as per room
per room or
face me I
face you. One index used to
measure the quality
of life is
housing, and improving
the quality of life
is the whole
essence of government
and governance.
The housing sector
plays a more
critical role in
a country’s welfare than
is always recognized,
as it directly affects
not only the
well-being of the
citizenry, but also
the performance of
other sectors of the
economy. Adequate housing
provisions has since
the early 1970s
consistently engaged the
attention of most
countries, especially the
developing ones, for
a number of
reasons.
First, it is
one of the
three most important
basic needs of
mankind – the others
being food and
clothing. Second, housing
is a very
important durable consumer
item, which impacts
positively on productivity, as
decent housing significantly increases
workers health and
well – being, and
consequently growth. Third,
it is one
of the indices
for measuring the
standard of living
of people across
societies.
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Everyone dreams of owning property someday but with the constant rise in Nigerian property prices, saving towards buying some piece of real estate seems almost impossible- particularly for young people in Nigeria. Although saving towards acquiring property is one option, it may often be disheartening because each time a certain amount has been saved, one discovers that the property prices have risen and once again the asset is just out of reach. Mortgaging property may break this frustrating cycle.
Housing has been universally accepted as a very important and essential human need. In fact, world acclaimed American psychologist Abraham Maslow ranked shelter as second only to food in his hierarchy of human needs. This form of security is thus a basic necessity of life which every Nigerian should readily have access to without deprivation. One of the most worrisome features of Nigerian urban centers is the growing level of over-crowding and in some cases outright homelessness. It is common place to see families of eight persons in a single room in a tenement building usually referred to as per room per room or face me I face you. One index used to measure the quality of life is housing, and improving the quality of life is the whole essence of government and governance... accounting project topics
KNOWLEDGE, ATTITUDE AND PRACTICE OF FINANCING REAL ESTATE PURCHASE THROUGH MORTGAGE IN NIGERIA