Economic and Financial Review


Central Bank of Nigeria


Housing Finance, Mortgage Finance, Housing, Nigeria


This article provides a detailed examination of the Mortgage Industry in Nigeria with a view to identifying the issues, challenges and prospects. The rest of the paper is divided into five sections. The overview of housing industry in Nigeria is the focus of section 2 while section 3 reviews the structure of the mortgage industry. Section 4 focuses on the regulatory/institutional framework for mortgage financing in Nigeria. The x-ray of mortgage industry is undertaken in section 5 while section 6 concludes the paper.

Author Bio

Mr. F. Ebie is a member of the Board of the Federal Mortgage Bank of Nigeria (FMBN)

Publication Title

CBN Economic and Financial Review (EFR)





Recommended Citation

Ebie, F. (2005). An X-ray of the Mortgage Industry in Nigeria. Economic and Financial Review. 43(4), 47-76.



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