How to access the National Housing Fund (NHF) Loan

> Blog > Home Loan > How to access the National Housing Fund (NHF) Loan


  • Any Nigerian above the age of 18
  • The applicant must be a contributor to the National Housing Fund for a minimum period of six months.
  • The applicant must have satisfactory evidence of a regular flow of income to guarantee loan repayment.


  • The loan shall be for the purpose of building, purchasing or renovating a residential accommodation
  • No loan shall be for refinancing


The applicant is to apply through a duly licensed and accredited mortgage loan originator (MLO) of his/her choice and not directly to the Federal Mortgage Bank of Nigeria (FMBN).

The MLO of the applicant’s choice must be accredited by FMBN to access the NHF facility. Application forms for NHF loans are obtainable from the MLO


  • The property for which the loan is sought shall serve as security for the loan.
  • The property shall conform to the existing planning laws and regulations (approved building plan).
  • The property shall possess sufficient value to recover the loan.
  • A mortgaged property shall be insured against hazards
  • The loan shall be secured by the first legal mortgage of the property between the applicant and the mortgage loan originator and assigned to FMBN.


  • Open a savings account with a registered PMB
  • Contribution to the fund for at least six months prior to application.
  • Have satisfactory evidence of the regular flow of income to guarantee the loan.
  • Submit photocopies of valid title documents (e.g. C of O).
  • Approved survey/site plans
  • Approved building plans
  • Priced Bill of Quantities where applicable
  •  Valuation report prepared by a firm of registered surveyors and valuers where applicable
  • Three years tax clearance certificate
  • Letter of consent to mortgage to your chosen PMB
  • Completed prescribed mortgage loan application form
  • Evidence of NHF participation
  • Copy of payslips for the previous three months
  • Equity contribution of personal stake of 30 percent, 20 percent or 10 percent depending on the loan amount applied for loans of N15 million, N10 million and N5 million respectively
  • Offer letter/Acceptance and Allocation letter (in case of government projects)
  • In the case of a registered self-employed applicant, a copy of Articles and Memorandum of Association and a copy of Certificate of Incorporation as evidence of employment status must be submitted.


  • A borrower is entitled to a maximum loan of fifteen million nairas (N15, 000,000.00) or as determined by the Bank.
  • No individual should be given a loan in excess of 90% of the cost or value of the property to be mortgaged.

Equity contribution based on the new loan amounts is as follows:

  • N15,000,000.00 – 30%
  • N10,000,000.00 – 20%
  • N5,000,000.00 – 10%


The interest rate shall be as prescribed by the National Housing Fund Act which is not more than 6% p.a.

The maximum repayment period shall be 30 years. The individual borrower shall make repayment through the mortgage loan originator through which they obtained the loan.

Follow us on social media:

39 thoughts on “How to access the National Housing Fund (NHF) Loan

  1. I know this if off topic but I’m looking into starting my own blog and was
    wondering what all is required to get set up? I’m assuming having a blog like yours would cost a pretty penny?
    I’m not very web savvy so I’m not 100% certain. Any recommendations or advice would be greatly
    appreciated. Many thanks

  2. I contributed on the NATIONAL HOUSING FUND (NHF) from 1992 to 2000.How can I retrieve my contribution for subsequent benefit. I don’t remember my account number.Expecting your reply please.

  3. I work with Lagos state government and I would like to know how I can access the NHF loan and I would like a directives on how I can go about it..

  4. How can I get a house loan? I work with National Examinations Council and i have been contributing for over 5 years now

  5. I contributed on the NATIONAL HOUSING FUND (NHF) from 1985 to 2012.How can I retrieve my contribution for subsequent benefit. I don’t remember my account number.Expecting your reply please.

  6. I have been contributing consistently for over ten years, can someone assist me obtain the housing loan?

  7. Pretty nice post. I just stumbled upon your weblog and
    wished to say that I have truly enjoyed surfing around your blog posts.
    In any case I will be subscribing to your feed and I hope you write again very soon!

  8. You really make it seem so easy with your presentation but I find this topic to be really something that I think I would never understand.
    It seems too complicated and very broad for me. I’m looking
    forward for your next post, I will try to get the hang of it!

  9. Thank for this information, l will like ask if you work with federal agency and have a Land without c of o but Land receipt, survey plan and build to roofing stage can the person access the loan and also I does one knows accredited agents accessors

  10. It’s a pity you don’t have a donate button! I’d without a
    doubt donate to this outstanding blog! I guess for now
    i’ll settle for book-marking and adding your RSS feed to my Google account.
    I look forward to brand new updates and will talk about this blog with my
    Facebook group. Chat soon!

  11. Howdy very cool site!! Man .. Beautiful ..
    Amazing .. I’ll bookmark your web site and take the feeds also?
    I am satisfied to seek out numerous useful info here within the post, we want work out more techniques in this regard,
    thank you for sharing. . . . . .

  12. Please how could I be a beneficiary of the mortgage Bank in Nigeria. I am a state government worker in Ondo State, the state government have been started deducted housing fund from the salary of the workers of the state without any proper filled of form.

  13. It’s appropriate time to make some plans for the future and it is time to be happy.
    I’ve read this post and if I could I want to suggest you some interesting things or suggestions.

    Maybe you can write next articles referring to this article.
    I desire to read more things about it!

  14. Do you charge any processing fees on loan applications by contributors?
    What is average time it takes to get disbursements based on your actual records?

Leave a Reply

Your email address will not be published. Required fields are marked *