Laurence Ani Consid With the national minimum wage at thirty thousand naira monthly and a mortgage sector blighted by an unusually high interest rate, the promise of affordable mass housing for civil servants has always sounded somewhat like a pie in the sky. So, barring any radical housing policy, dreams of owning personal homes will remain an uphill task even for senior level public servants, let alone mid- and low-cadre workers. The long absence of such policy is the reason Nigeriaâs housing deficit is currently estimated at 17 million, a figure that rises annually by 900,000, according to former finance minister, Mrs Kemi Adeosun.