Housing Finance in Nigeria

Abstract

Two types of urbanization can be identified. The first type is the technologically supported urbanization, the type taking place in the more advanced countries of the world.1 In those parts urbanization may not be an undesirable phenomenon; the degree of urbanization there has been proved to be highly associated with the advanced industrialization, the high degree of technology, the fast pace of modernization and progress, and the rapid economic development, all of which characterize these industrially advanced countries.2 The second type is the socio-economically handicapped urbanization. This is the type of urbanization taking place in the emerging nations. Here the countries concerned have very small and insufficient resources upon which they could depend to meet the challenges of urbanization.3 Moreover, these countries have inadequate economic activities, and hence inadequate employment opportunities which can absorb the 'huge never ending cohorts of babies and peasants swelling the urban masses.'4

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