The housing sector in nigeria plays a critical role in the economy and the overall well-being of its citizens. Access to affordable and adequate housing remains a significant challenge, with a large portion of the population without adequate housing and limited options for homeownership. The housing market in Nigeria is marred by diverse factors such as rapid urbanization, population growth, and socio-economic dynamics. Despite efforts to address housing deficits, the gap between demand and supply remains substantial, leading to affordability challenges for many Nigerians caused by a combination of low income levels, high double-digit interest rates, poor credit awareness/culture, inadequate affordable housing supply, and high inflation.