How to Access NHF Loan from Federal Mortgage Bank of Nigeria

The National Housing Fund (NHF) is a federal government initiative, created to provide funds that will facilitate the provision of affordable housing for the Nigerian citizens. In this post, we will walk you through on how to access NHF loan from Federal Mortgage Bank of Nigeria.

NHF loan aimed at helping Nigerians who cannot afford commercial housing to own houses by contributing 2.5% of their monthly salary to Federal Mortgage Bank of Nigeria.

Requirements for accessing NHF loan

  1. Applicants must not be less than 18 years and must be a Nigerian.

  2. Must open/have a savings account with a registered Primary Mortgage Bank (PMB).

  3. Have an aproved survey or site plans.

  4. Priced bill of quantities where applicable.

  5. Photocopies of valid title documents (e.g. C of O).

  6. Valuation report prepared by a firm of registered surveyors and valuers where applicable.

  7. Must have been contributing to the National housing fund for a period not less than six (6) months.

  8. Applicant must have satisfactory regular financial track record.

  9. Applicants reason for the loan must be to build, acquire or renovate a house.

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The NHF loan security

  • The property for which the loan is obtained shall be the collateral
  • The property must have approved building plan and must have value equivalent to the loan
  • The property must have assurance.

Loan amount

The highest amount you can obtain is N15 million.

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Interest for the loan

  • The interest for the loan is as follows;
  • 15million – 30% interest rate.
  • 10million – 20% interest rate.
  • 5million – 10% interest rate.

How to apply for National Housing Fund (NHF) loan

Below is how to apply for NHF loan;

  1. Open a saving account with PMB.

  2. Start contributing 2.6% of your income for at least six (6) months.

  3. Visit any Federal Mortgage Bank of Nigeria (FMBN) accredited Mortgage Loan Originator (MLO) to obtain application form.

  4. Fill the NHF form and submit back to your chosen MLO.

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Below are other loans you may like;

Kindly share this article to help other people, and if you have any question or contribution, go the comment section below.

Updated: July 7, 2021 — 11:59 am

The Author


Humphery is a seasoned internet entrepreneur and a life coach. He has been the Nyscinfo ambassador since 2017. He is knowledgeable enough to guide you. Keep following this website for updates, we love you!


Add a Comment
  1. Salaudeen Umarfarouk

    That’s good

  2. Thanks again

  3. Buhari Muhammad Gummi

    Iam working with private sector not government ineed to apply what are the cafeteria

  4. Adamu Abdulkadir Hanwa

    It’s by force to every Federal Government Civil Servants? Because some came to us and said we must fill the, as he said its already deducting from our salaries through IPPIS.
    My question is I don’t know if it’s true?

  5. Aminu Muhammad Maiakwai

    Sokoto South local Government Mabera Mujay Old air Fort Sokoto

  6. I went to the office of FMB to apply for this loan, they told me requirement.which I follow up.where I suppose to get QS ,COFOR and dicoment.I have to spend #120.000.befor I will be ok for the proses the loan is difficult to civil servant to get is just for themselves . not every body.

  7. How did I apply

  8. What if have an inherited village property land and want to develop on it without c of o documents, can you access the loan?

  9. Samuel malle kuje

    I have been a member for almost 10 years now aw can I access d loan? And if I will need 3bed room flat aw much will be d cost.

    1. 3bedroom flat can access up to N5million

      1. Esly Theman Muradu

        What is this PMB. How do I get the form, because cost of getting form here is very difficult. Some one told me to bring 20k for the form?

      2. Adamu Abdulkadir Hanwa

        What are the easiest way (procedure) of getting it for civil servants?

  10. Bukar bukar abubakar

    Thank you so much

    1. Bukar bukar abubakar

      Very good

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