Hillary MB(PhD)

A Seed Systems Expert and Intellectual Property Professional.

[Hillary MB(PhD) @DrHMbotey]

@AdomOtchere @konkrumah that's been too silly, you know right? Smh

[Hillary MB(PhD) @DrHMbotey]

@Cassielforson Anxiously and patiently waiting, Dr

[Hillary MB(PhD) @DrHMbotey]

@abasssayuti Because all of them have paid masters. Not in the interest of anyone. I am happy we have free social media space where individuals are able to obtain and decipher information themselves. Check the man who won the Best Journalist and tell me how different is your concern

[Hillary MB(PhD) @DrHMbotey]

@utvghana This is our current situation as a country, what new thing do you propose?

[Hillary MB(PhD) @DrHMbotey]

@SenyoKoku @DennisMiracles @EOCOghana @MBawumia @JusticeSremSai when are you updating us on Miracle's case? You people are slow oo, hmm

[Hillary MB(PhD) @DrHMbotey]

@TijaniTs @Sambryanbuabeng @NAkufoAddo @AyorkorBotchwey @Sambryanbuabeng what is your response to this? Or you guys think people don't read 🤔 smh

[Hillary MB(PhD) @DrHMbotey]

@PalgraveDanquah You miss the Fugitive, ask him to come home. we miss him too

[Hillary MB(PhD) @DrHMbotey]

@BlayAckah @IsaacKofiAgyei @Dani77k Is that how you coach your guys? You seeing nothing wrong with his statement tells a lot about you as well.

[Hillary MB(PhD) @DrHMbotey]

@IsaacKofiAgyei Even your tone was disrespectful. Continue your path

[Hillary MB(PhD) @DrHMbotey]

@FelixKwakyeOfo1 🤗🤗

[Hillary MB(PhD) @DrHMbotey]

@Citi973 @ayariga_mahama @etsedafeamekpor agree with this submission. Ghanaians, at most see these things as unnecessary cost to taxpayers. Not heeding to this brilliant genuine submission will go against this government. Especially, those of us who stand in between. Thanks

[Hillary MB(PhD) @DrHMbotey]

@Citi973 Excellent guy. Very genuine in his dealings. I like him

[Hillary MB(PhD) @DrHMbotey]

@peacee265 @piersmorgan You won $20 million 🤣🤣🤣🫡

[Hillary MB(PhD) @DrHMbotey]

@EOCOghana @JusticeSremSai any update on Miracle Aboagye's case?

[Hillary MB(PhD) @DrHMbotey]

@SaddickAdams That man @kbentil is one of the most hypocrites in this country. Anyone who takes him serious is himself or herself not serious. Very insensitive and amateurish comment to make.

[Hillary MB(PhD) @DrHMbotey]

@tv3_ghana @kbentil @ImaniAfr this dude doesn't deserve to carry your name any longer. He is disgracing an otherwise respected brand.

[Hillary MB(PhD) @DrHMbotey]

@kbentil you are gradually becoming a nuisance in Ghana's politics. How hypocrite can you be? If I were you, I will apologise and withdraw the statement you made about that poor boy. So uncalled for.

[Franklin CUDJOE @lordcudjoe]

Hon. Ahmed Ibrahim says he wants to introduce a new National Housing Levy, but he is scared the people of Ghana will revolt.

He should be. And not because fellow countrymen and women hate paying for development, but because we know how to count.

Before anyone proposes another payroll deduction to close our 1.8 million-unit housing deficit, run the maths on the laws and money we already have:

▪️Eighteen years ago, Parliament passed the National Pensions Act, 2008 (Act 766). Sections 103(2) and 114(2) explicitly allow every worker to use their mandatory Tier 2 and voluntary Tier 3 pension funds to secure a mortgage for a primary home.

▪️By the end of 2025, private Tier 2 and Tier 3 pension funds had accumulated a staggering GH₵79.8 billion. Yet according to Table 28 of the NPRA’s audited Annual Report, out of more than 3 million contributors, how many workers got approval to use their pension for a primary home mortgage in a full year? Just 20.

▪️Why did only 20 people succeed? Because Section 103 only gives the bank a paper guarantee, not cheap cash liquidity, leaving banks charging 24% to 28% interest on a standard 3-bedroom Accra house that now costs GH₵890,000. At 24% interest, the monthly payment is GH₵18,000. A teacher or nurse earning GH₵6,000 is disqualified at the bank’s front door.

▪️Meanwhile, three borders east in Benin, a brand-new 3-bedroom social villa at Ouèdo costs US$37,500 (30–40% cheaper than Ghana), and any public or private worker can move in with zero deposit and pay roughly GH₵2,500 (97,000 FCFA) a month over 25 years under a rent-to-own scheme.

▪️Benin didn't achieve that by slapping a new tax on workers to subsidise cement cartels and inflated contractor bills. Benin's state absorbed the 30% infrastructure surcharge (roads, storm drains, water mains, and power grids) before pricing the houses, and set up a bank-led delivery vehicle (SImAU) to buy materials in bulk across 10,800 homes at once.

We don't need a new National Housing Levy. We need to:

1. Channel just 5% (GH₵4 billion) of our existing GH₵79.8B Tier 2/3 pension pool into a privately governed housing SPV (controlled by Trustees, TUC/CLOGSAG, and banks—zero politicians) to fund single-digit rent-to-own mortgages.

2. Synchronise 15% of existing Roads, Energy (ECG), Drainage (Hydro), and Ghana Water capital budgets to service housing land banks upfront instead of retrofitting unplanned slums at triple the cost.

3. Break the asymmetric pricing cartel in cement and steel through bulk factory-gate off-take and CSIR pozzolana/burnt clay brick mandates.

4. Partner with Stools and Families on a Land-for-Equity basis under Act 1036.

You cannot tax a nation into affordability while leaving a cartelised, high-cost supply chain untouched. Fix the plumbing before turning on the tap.

What stops us from using the GH₵79.8 billion we already have under Act 766 before asking workers for another pesewa?

By Sitsofe John

#Ghana #HousingDeficit #PublicPolicy #Act766 #Pensions #EconomicGovernance

[Hillary MB(PhD) @DrHMbotey]

@lordcudjoe Very useful submission 👌

[Hillary MB(PhD) @DrHMbotey]

@Joy997FM Joy news nso de3, boi