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英文文献：Impact of Apex Morgage Finance Institution on Real Property Development Financing in Africa. (A case study of the Federal Mortgage Bank og Noggeria)-艾派克金融机构对非洲房地产开发融资的影响。(以联邦抵押银行og Noggeria为例)
英文文献作者：Chukuemeka Ekenta,Moses Baridoma
英文文献摘要：
Mortgage financing was conceived as an easy and convenient way of ensuring housing delivery to all cadre of the citizenry, provided one is involved in a productive venture. Nigeria, like any other developing country has finance as one of the most important factors influencing housing delivery. The research objective is to investigate the challenges confronting Real Property Development, through mortgage financing, especially the Nigerians apex mortgage finance institution, its mandate, achievements, possible challenges and the primary mortgage institutions [PMIs]. The methodology employed for the research includes the collection of primary and secondary data from the institutions, beneficiaries and other stakeholders in the building industry. Data obtained were analyzed through simple frequency distribution. The findings showed that the federal mortgage bank of Nigeria nature of business includes not only merchandising, property agency and sale but as well as transport. Challenges confronting the federal mortgage bank spans from the implication of the National Housing Fund policy, National economic climate, high cost of building materials, public apathy, cumbersome access to land and documentation as well as poor collateral, high-interest rates and competitive financial market. Consequently, useful recommendations were made.
抵押贷款融资被认为是一种简单方便的方式，以确保住房交付给所有公民骨干，只要一个人参与了生产性的冒险。尼日利亚和其他发展中国家一样，将资金作为影响住房供应的最重要因素之一。研究目标是调查房地产开发所面临的挑战，通过抵押贷款融资，特别是尼日利亚的apex抵押贷款金融机构，其任务，成就，可能的挑战和主要的抵押贷款机构[PMIs]。本研究采用的方法包括从建筑行业的机构、受益人和其他利益相关者那里收集第一手和二手数据。所得数据通过简单的频率分布进行分析。调查结果显示，尼日利亚联邦抵押银行的业务性质不仅包括商品销售、房地产代理和销售，还包括运输。联邦抵押贷款银行面临的挑战包括国家住房基金政策的影响、国家经济环境、建筑材料的高成本、公众的冷漠、获得土地和文件的麻烦、低劣的抵押品、高利率和竞争激烈的金融市场。因此，提出了有益的建议。
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