How To Access National Housing Fund Loan In Nigeria (NHF)


Staff member
The National Housing Fund popularly known as NHF is an established program by the Nigerian government to enable its citizen's access to an affordable loan for building residential houses.

It is mandatory for every Nigerian earning a monthly income of N3,000 and above to contribute 2.5% of their basic salary towards NHF.

Furthermore, you can access up to 90% of the cost of the house you want to build or buy, at an interest rate of 6% per annum for a maximum period of 30 years.

How to check the National Housing Fund number and balance

Dial *219# on your phone(using the SIM card your employer registers your NHF with). Follow the prompt and you should see your NHF account number and contributions.

Additionally, every Nigerian can access up to an N15million Naira loan through the National Housing Fund. No other collateral is needed for the loan except the property(house) you want to buy.

A contributor can only obtain a National Housing Fund loan only once in a lifetime.

Furthermore, if you wish to collect the loan to build your own house, make sure you already have land to build on and all the necessary documents that back the ownership of the land.

You can apply as an individual for an NHF loan to develop land or buy directly from a government consort estate or private estate developer.

Moreover, your contributions will be returned through a process called “NHF refund” after retirement. So, let your mind be at peace as the government won’t eat your money.

How to access the National Housing Fund loan

To access the national housing fund loan, you need to apply through a registered and duly accredited mortgage loan originator. An example of a mortgage loan originator is the Primary Mortgage Banks, who package and forward the application to FMBN. See a list of the accredited Primary Mortgage Banks below.

Accredited Primary Mortgage Bank(PMB)

  1. Infinity Trust Mortgage Bank Plc (National)
  2. Abbey Building Society Plc (National)
  3. First Trust Mortgage Bank Plc (National)
  4. Mutual Alliance Savings & Loans (National)
  5. Jubilee Life Mortgage Bank Plc (National)
  6. Haggai Mortgage Bank Ltd (National)
  7. Imperial Homes Mortgage Ltd (National)
  8. Platinum Mortgage Bank Ltd (National)
  9. Nigeria Police Mortgage Bank (State)
  10. Delta Trust Mortgage Bank Ltd (State)
  11. Jigawa Savings & Loans (State)
  12. City Code Savings & Loans Limited (State)
  13. AG Homes Savings & Loans Limited (State)
  14. Omoluabi Mortgage Bank Limited (State)
  15. Lagos Building Investment Company Plc (State)
  16. Brent Mortgage Bank Limited (State)
  17. Gateway Mortgage Bank Ltd (State)
  18. FHA Homes Savings & Loans Ltd (State)
  19. Homebase Mortgage Bank Limited (State)
  20. First Generation Mortgage Bank Ltd (State)

NHF eligibility requirements?

1. Pick up a registration form from any accredited Primary Mortgage Bank(PMB).
2. Provide satisfactory evidence of regular income.
3. Provide your deducted monthly contributions remitted to FMBN promptly (At least 6 months contributions should be made).
4. Provide your yearly statement of cumulative contributions with accrued interest.

How to register for National Housing Fund(NHF registration)

1) Employer fill out the registration form (NHF1) and return to the nearest branch of the Federal Mortgage bank of Nigeria.
2) Employees or self-employed individuals will have to pick up NHF2 from the Federal Mortgage Bank of Nigeria.
3) Employee will complete the form (NHF2) and return it to the employer. While self-employed individuals will return completed form NHF2 to FMBN.
4) FMBN will register Employees on Form NHF2 and allocate employees' participation numbers to each employee/self-employed individual.
5) A passbook will be issued by FMBN to each of the registered employees where the monthly deduction of 2.5% basic salary will be posted by the employer. After this, an employee is now a registered participant of the NHF.
6) Monthly remittances will also commence by the Self–employed to FMBN.
7) The contribution will be accepted by the Federal Mortgage Bank of Nigeria and receipts of payments will be issued.

Documents required to process the NHF loan include:​

1) Completed application form.
2) Photocopy of title documents
3) Current valuation report on the proposed house to buy or bills of quantities (BOQ) for the house to build.
4) Three years tax clearance certificate.
5) Evidence of NHF participation
6) Copy of payslips for the previous three months.
7) Equity contribution or personal stake of 30%, 20%, or 10% depending on the loan amount you applied for.

Every contributor will receive:

1) Lifetime registration number
2) Passbook(for the personal recording of contributions)
3) Account statement

How do I get my contributions back (National Housing Fund Refund)?​

Every individual that contributed to the NHF will be refunded their contribution after 35 years in service or 60 years of age depending on the one that comes earlier. Also, note that the refund comes with a 2% interest which makes it more interesting.

Also, if you obtain a loan through the NHF and returned the complete loan before retirement, you are also eligible for a refund.

However, if you’ve not completed your loan repayment, you won’t be eligible for a refund.

In case of death of the NHF contributor, a refund is made to the next of kin of the deceased contributor.

Documents required for refund of contribution

1) Application letter requesting for refund of contribution.
2) Letter of offer of appointment.
3) Birth certificate or Declaration of age certificate.
4) Completed NHF Contribution withdrawal forms.
5) Bank Account details through which refund would be paid.
6) Medical report of incapability to continue contributions due to failing health.
7) Letter of administration & Death Certificate (in case of a deceased contributor).
8) Evidence of contribution. (Receipt for self-employed contributor).
9) Biometric Verification Number (BVN).


To access NHF loans in Nigeria, visit any of the accredited Primary Mortgage Banks (PMB) to pick up the NHF form.

Provide all the needed documents and fill out the form. Return the form to Primary Mortgage Bank which in turn submitted to the Federal Mortgage bank of Nigeria.

Note that if you work at a job, your employer will most likely handle most of the processes for you. After six months of contribution, you can request the NHF loan through any of the accredited PMBs in Nigeria.

Additionally, you can read my article on how you can access urgent loans in Nigeria.

Click HERE to learn more from the NHF website.

Kindly share this article on social media to reach those that might be interested in accessing the NHF loan.
Last edited: