The paper examined if there exist any linkages between mortgage financing and housing delivery in Nigeria from periods of 2002-2021. Specifically, the paper examined the effect of Primary Mortgage Bank Loans, Federal Mortgage Bank Loans to Mortgage, Microfinance Bank loans to mortgage, and Government Allocation to Housing on housing delivery in Nigeria. Data for the study were sourced from the Central Bank of Nigeria (CBN) statistical bulletin and the National Bureau of statistics (2021) from 2002 to 2021. Meanwhile, the study adopted the OLS estimate. Various pre-estimation and diagnostic tests considered include: Heteroskedascity test, Ramsey Reset Test, and variance inflation factors/multi-collinearity test. The study reported that, Primary Mortgage Bank Loans have significant adverse effects on housing delivery. Meanwhile, Federal Mortgage Bank Loans to Mortgage improves housing delivery minimally. More so, MBLM and finance Bank loans to mortgage and Government Allocation to Housing are major contributing factor to housing delivery in Nigeria within the periods under review. Hence, the paper concludes that, both microfinance loans to mortgage institutions and government allocations to housing are major drivers of housing delivery in the periods under review. Accordingly, the paper recommends that, the primary Mortgage Bank should heighten efforts towards improving on reforms and policies that encourage the use of loans by mortgage institution for sustained growth and greater house development. More so, the federal Mortgage Bank should introduce new, flexible, and versatile loan policies suited to the prevailing conditions in the country taking into account dynamic changes in the environment. Keywords: Mortgage Financing, Housing Deliveries, Linkages.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.
customersupport@researchsolutions.com
10624 S. Eastern Ave., Ste. A-614
Henderson, NV 89052, USA
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Copyright © 2025 scite LLC. All rights reserved.
Made with 💙 for researchers
Part of the Research Solutions Family.