ABSTRACT
The perennial shortfall in the availability and affordability of decent housing in most developing countries is increasingly challenging due to the investment climate. The study aimed to assess the investment and strategic risk management associated with commercial mortgages in housing projects in the Kaduna metropolis. The study's primary data were collected from 73 respondents out of 135 questionnaires distributed and retrieved from clients (19), consultants (21), financiers (18), and contractors (15) involved in housing projects in Kaduna City. Based on the results of the analysis, findings revealed the inability of borrowers to repay their loans due to the depressed economic environment, overreliance on foreign currencies, and inadequate investment risk in housing development. These challenges has significant impact on rise of housing deficits. The study concluded that the full tenets of strategic risk management for housing investment have not found extensive application in commercial banks especially in Kaduna City.
