One of the critical success indicators of projects is to meet the requirements of end-users on which their satisfaction depend upon. This study aimed to examine end-users housing requirements in a Tumfure housing estate in Gombe metropolis, Nigeria, to improve end-user satisfaction. The study objectives were: To identify end-users housing requirements in Tumfure housing estate in Gombe metropolis. The survey design was used to collect responses from occupants of the estate using a structured questionnaire that produced a 65 % response rate. The collected data was analysed using descriptive statistical tools of tables and means. The research found that end-users basic housing requirements in the Tumfure housing estate were the flow of natural ventilation and illumination, rooms suitable for a family unit, modern convenience, circulation spaces, and adequate security. The research recommended that end-users requirements and their peculiarities be the primary consideration in designing and developing public housing estate to ensure higher end-user residential satisfaction.
The problem of housing provision by the mortgage industry which includes financing has always being a major concern to the public as a whole. This study investigated the performance of mortgage institutions in housing finance for low-income earners in Lafia metropolis, Nigeria. The objective is to assess the performance of mortgage institutions from low-income earners' perception. Data was collected through a questionnaire survey from 314 low-income earners randomly selected from the targeted population in Lafia metropolis. The data collected were subjected to descriptive statistics with mean ranking to examine the degree of agreement and the significance of the various variables. The study revealed that performance factors such as collateral, loan maturity period and loan requirement, etc. were highly ranked as the most performed area by mortgage institutions. It is recommended that government and stakeholders should reduce the high rate of interest, make mortgage loans accessible and affordable to low-income earners and also increase the funding of mortgage institutions. This study reinforces other research works on the performance of mortgage institutions in housing finance.
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