**3. Conclusions**

In Nigeria, diverse housing initiatives and programmes embarked on by the federal government to deliver housing for the populace have been saddled with a lot of challenges and has failed to provide the intended number of houses for the people. Again efforts at providing housing for the people through the diverse development plans in Nigeria failed which regrettable demonstrates the uninspiring attitude of the Nigerian Government in providing housing for the people. The failure of the government in ensuring that formulated policies and programmes shown in the development plans from 1962 till to date are sustained and implemented is one key

cause for its failure at delivering houses for the people. Furthermore, institutions embedded in formal financial mechanisms made it difficult for many people who want to build houses to obtain formal form of financing which again limited the peoples effort at constructing houses.

In conclusion, housing shortages in Nigeria for both the middle and low income earners is observed notwithstanding the various housing initiatives carried out by the government. Also, it is shown that most of the populace in Nigeria housed either through rental housing or self-built housing are faced with a lot of housing challenges such as; limited access to land, high cost of building materials, high cost of levies, bureaucratic bottlenecks, institutional problems, enforcement issues amongst others which constrain the delivery of housing in Nigeria.
