CHAPTER ONE
1.0 INTRODUCTION
1.1 BACKGROUND OF THE STUDY
In the minds of most people “financing” as its name implies conjure up visions of inexplicable exchanging of piece of paper which involves something called “interest” that take place generally anywhere. Those who trail their interest in finance swiftly find out that you don’t have to go that level before getting involved in a financial transaction. The major brokerage houses have branches in most communities. Furthermore there are usually commercial banks and savings institutions as well as microfinance banks and many communities, regardless of their various sizes. Infact, financial transaction can take place almost anywhere there is no need to go to a commercial bank. All you need is two or more populace. Chika E Udechwuku (2008) says real estate financing is the process of acquiring funds or capital generally for the purpose of development in order to gain control over the property or assets there are two ways of classifying estate finance which tend to overlap themselves
1. Whether the financing is internal or external to the real estate owners or developer.
2. The above two depend on the third which is the duration of estate in question.
Sherman J. Maise (1987) also says real estate finance is concerned mainly with the decisions by which many resources are raised for the purpose of owing or developing real estate. Although all decision could be sometimes are made by a single person two or three separate are usually active in a financing transaction. In addition most of the cash is borrowed from financial institution such as Mortgage Banks. Moreover financing of real estate or real estate finance involves evaluating the situation adjourning the transaction and deeding the best method of financing of real estate given the risk and certainty of situation. Given many ways in which financing can be structured professionals must understand how the alternative differ in their ability to increase potential gains and raise or lower the risk of failure. New pressures have altered traditional mortgage lending in years back, most mortgage money came from local lenders. Every loan was treated differently, and once made loans were held until the debt was paid o. Today mortgage are traded in national market. In 1987
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