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PRESENTATION
ON
NIGERIAN ARMY WELFARE HOUSING SCHEME FOR
SENSITIZATION OF SOLDIERS

NIGERIAN

ARMY HEADQUATERS

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INTRODUCTION

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AIM

To sensitize soldiers about the

NAWHS.

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SCOPE

 Nigerian Army Welfare Housing Scheme.

 Conditions for soldiers to benefit from the

scheme.

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NIGERIAN ARMY WELFARE HOUSING

SCHEME

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NIGERIAN ARMY WELFARE HOUSING SCHEME

THE CARDINAL OBJECTIVE OF

NAWHS AS PROPOSED BY THE COAS
IS TO ENSURE THAT ALL SOLDIERS
MOVE INTO THEIR OWN HOUSES
WHILE IN SERVICE OR WHEN
DISENGAGING FROM SERVICE

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NIGERIAN ARMY WELFARE HOUSING SCHEME

(CONT)

THE SCHEME WILL BE COMPULSORY FOR ALL

SOLDIERS

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MAP OF NIGERIA SHOWING 6 GEOPOLITICAL

ZONES

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WELFARE ELEMENT OF THE SCHEME

 THE SCHEME WILL BE BOTH A WELFARE SCHEME AND A

CONTRIBUTORY SCHEME

 WELFARE ELEMENT OF THE SCHEME WILL BE THE LAND TO

BE PROVIDED BY THE NA AT NO COST TO SOLDIERS

 NA WILL PAY FOR ANY OUTSTANDING OBLIGATION DUE

FROM SOLDIERS KILLED IN ACTION (KIA) TO ENABLE THEM BENEFIT
FROM THE SCHEME

 THE CONSTRUCTION COST FOR HOUSES WILL BE BORNE BY

SOLDIERS THROUGH MONTHLY COMPULSORY CONTRIBUTIONS

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TYPE OF HOUSES

 3-BEDROOM FLATS BE BUILT FOR SOLDIERS WHICH COULD BE

IN BUNGALOW OR SEMI-DETACHED

 IN AREAS WHERE LAND ARE SCARCE, HOUSES OF ONE OR 2

FLOORS WILL BE CONSTRUCTED FOR SOLDIERS

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DESIGN OF THE HOUSES

 HOUSES ARE DESIGNED TO BE MODERATE AND BEAUTIFULLY

SITUATED IN ESTATES MIXED WITH CIVILIANS

 HOUSES WILL HAVE:

 LONG SPAN ROOF
 ALUMINIUM WINDOWS
 CONCRETE FACIALS
 CONDUIT WIRING
 FLOOR TILES
 POP AMONGST OTHER AESTHETICS

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MODE OF CONSTRUCTION
 8 CONSTRUCTION COMPANIES WERE IDENTIFIED AND
SELECTED
 TONS DEVELOPMENT INTERBIZ LTD
 GREENSTEM PETRAIL INFRASTRUCTURE WEST AFRICA
LTD
 ROCK REALTY LTD
 SALBRIX NIGERA LTD
 BORWA ENGINEERING SVC LTD
 K1K2K3 CONSTRUCTION LTD
 GITTO LTD
 RICHLAND CONSTRUCTION NIGERIA LTD

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COST OF CONSTRUCTION

COST OF DELIVERING A 3-BEDROOM FLAT AGREED ON IS ₦7.5

MILLION FOR NOW THIS COST IS NOT STATIC AND COULD VARY
DUE TO INFLATION

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MODE OF FINANCING THE SCHEME

SOLDIERS WILL CONTRIBUTE TO FINANCE CONSTRUCTION OF THE HOUSES FROM
THEIR EMOLUMENTS. THE DEDUCTIONS WILL BE 22 PERCENT OF THEIR
DISPOSABLE INCOME

Serial Rank Net Salary₦ Scarce Skill Disposable 22% Deduction₦ Remarks
Allowance₦ Income₦

(a) (b) (c) (d) (e) (f) (g)

1. AWO 173,120.40 50,000.00 223,129.40 49,086.49

2. MWO 151,808.52 30,000.00 181,808,52 30,000.00
3. WO 91,512.45 30,000.00 121,512.45 26,732.74
4. SSgt 72,801.23 25,000.00 97,801.23 21,516.27
5. Sgt 60,768.04 25,000.00 85,768.04 18,868.97

6. Cpl 57,744.09 20,000.00 77,744.09 17,103.92

7. LCpl 55,926.92 20,000.00 75,926.92 16,703.92
8. Pte 50,046.82 20,000.00 70,046.82 15,410.30

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MODE OF FINANCING THE SCHEME (CONT)

 IT WAS ESTIMATED THAT AT THE END OF 32 YEARS EACH SOLDIER

WOULD HAVE CONTRIBUTED ABOUT ₦8 MILLION TOWARDS THE SCHEME

 NA WILL ALSO BE MAKING FINANCIAL CONTRIBUTIONS TOWARDS

THE SCHEME MONTHLY AS SUBSIDY TO COVER ADMINISTRATIVE COST
AND TO OFFSET OUTSTANDING BALANCES DUE FROM PERSONNEL KIA

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CUSTODY OF FUNDS
 ALL FUNDS CONTRIBUTED BY PERSONNEL WILL BE WAREHOUSED
BY THE DNPF

 DNPF WILL OPEN ACCOUNTS FOR ALL NA PERSONNEL

 PERSONNEL WILL BE ABLE TO MONITOR THEIR CONTRIBUTIONS

INCLUDING BALANCES IN THEIR ACCOUNT

 PERSONNEL WHO WISH TO MAKE ADDITIONAL CONTRIBUTIONS

INTO THEIR ACCOUNT WILL BE PERMITTED

 THERE WILL BE NO WITHDRAWALS FROM THE ACCOUNTS UNTIL

THEIR DISENGAGEMENT FROM SERVICE

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CONDITIONS FOR SOLDIERS TO

BENEFIT FROM THE SCHEME

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LENGTH OF SERVICE
 A SOLDIER WOULD HAVE SERVED FOR NOT LESS THAN 20 YEARS OR
BE OF THE RANK OF SGT AND ABOVE

 THEY ARE TO PAY-OFF ANY OUTSTANDING BALANCE FROM THEIR

SECURITY DEBARMENT ALLOWANCE (SDA) WHEN AMOUNT CONTRIBUTED
FALL SHORT OF THE COST OF A HOUSE

 WHERE A SOLDIER SERVED FOR LESS THAN 20 YEARS AND IS NOT A

SGT, HE WILL BE REFUNDED HIS ACCUMULATED CONTRIBUTIONS WITH
INTEREST AT 3 PERCENT

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DISENGAGED/DISCHARGED SOLDIERS

 HOUSES WILL BE ALLOCATED TO SOLDIERS DISENGAGING FROM

SERVICE

 SERVING SOLDIERS WILL NOT BENEFIT FROM THE SCHEME EXCEPT

THEY ARE NEAR DISENGAGEMENT OR WHEN ALL DISCHARGED SOLDIERS
HAVE BENEFITED

 THIS TO REDUCE PRESSURE ON THE NA FROM SERVING SOLDIERS

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DECEASED NA SOLDIERS
 NEXT OF KINS (NOKS) OF DECEASED SOLDIERS ARE TO BE
CONSIDERED FOR ALLOCATION OF HOUSES PROVIDED THE LATE SOLDIERS
CONTRIBUTED FOR NOT LESS THAN 5 YEARS

 OUTSTANDING BALANCES ON THE ACCOUNT OF SUCH SOLDIERS

ARE TO BE PAID BY THEIR NOKS OR DEFRAYED FROM THEIR DEATH
BENEFITS

 WHERE NOKS OPT FOR CASH REFUND THE DNPF WOULD COMPUTE
THE TOTAL AMOUNT CONTRIBUTED BY THE DECEASED SOLDIERS AND PAY
TO THEIR NOKS WITH ACCRUED INTEREST AT 3 PERCENT

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DECEASED NA SOLDIERS (CONT)

 NOKS OF DECEASED SOLDIERS ARE TO BE GIVEN PRIORITY IN THE

ALLOCATION OF HOUSES

 NOK OF SOLDIERS KIA WILL BE ALLOCATED HOUSES IRRESPECTIVE

OF THEIR OUTSTANDING BALANCES OR THE NUMBER OF YEARS THEY
HAVE SERVED

 OUTSTANDING BALANCES FOR SOLDIERS KIA WILL BE DEFRAYED

BY THE NA

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DISMISSED SOLDIERS AND DESERTERS

 ON CONCLUSION OF ALL ADMINISTRATIVE PROCESSES IN RESPECT

OF DISMISSED/DESERTED SOLDIERS THEY ARE TO BE REFUNDED THEIR
ACCUMULATED CONTRIBUTIONS WITH INTEREST AT 3 PERCENT BY THE
DNPF ON APPLICATION

 DISMISSED/DESERTED SOLDIERS WILL NOT BE ALLOCATED HOUSES

IN THE SCHEME IRRESPECTIVE OF THEIR YEARS OF SERVICE

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DISCHARGED BENEFITS

 ON DISENGAGEMENT FROM SERVICE OUTSTANDING BALANCES

DUE ON DISENGAGEMENT WILL BE DEDUCTED FROM DISCHARGED
BENEFITS ESPECIALLY THE SDA

 DNPF WILL BE LIAISING WITH DHQ THROUGH NAFIC IN RESPECT OF

PERSONNEL WITH SUCH OUTSTANDING BALANCES

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CONCLUSION

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THANKS FOR LISTENING

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