“…Findings of some studies (Mustapha, 2002;Gana, 2002) offered an insight to the failure of these housing programs to include, poor funding, lack of proper organisation, inappropriate strategies, bureaucracy, politics and mismanagement of resources as well as the high cost of housing, the problems were articulated to by political, economic, organisation, environmental, and social problems. However, as noted by several Scholars (Awotona, 1990;Ogu and Ogbuozobe, 2001;Kabir, 2004) these intervention strategies and programs recorded modest achievement in providing subsidized housing for middle and high-income civil servant and individuals. Thus, from the foregoing, the previous government intervention strategies in addressing housing shortfall in Nigeria had followed an elitist orientation against the socio-economic context of the country where over 60% of the population and 80% of the urban population are low-income earners.…”