Housing services in Nigeria
NHF contributions, mortgages and housing-finance services.
Start with a focused guide collection
Housing guides
NHF registration
How NHF contributions work, where to verify contribution records and what information to keep for future housing or refund applications.
NHF mortgage loan
The FMBN-backed mortgage route for eligible NHF contributors, including the contribution history, mortgage bank and affordability steps.
NHF contribution refund
How to confirm that you meet the NHF refund conditions, prepare the contribution record and submit through FMBN's official refund process.
FMBN renovation loan
How eligible NHF contributors finance renovation or improvement of an existing home through the Federal Mortgage Bank of Nigeria Home Renovation Loan route.
Housing questions people commonly ask
Direct answers checked against official agency guidance, with links to the exact MyNigeriaGuide process when you need the full steps.
How much is the standard NHF contribution?
FMBN's NHF information states a contribution basis of 2.5% of monthly income for the applicable contributor class. Check the current FMBN rule for your employment status and verify that remittances are actually appearing on your contribution record.
Relevant guides: NHF registration
How long must I contribute before applying for an NHF mortgage?
FMBN's current NHF mortgage product page states that an applicant must have at least six months of continuous contributions. The mortgage still requires affordability, property and participating-mortgage-bank checks.
Relevant guides: NHF mortgage loan · NHF registration
What rate and maximum tenor does FMBN publish for the NHF mortgage?
FMBN's current product page states that participating mortgage banks on-lend NHF mortgage funds to contributors at 6% per annum, with a maximum tenor of up to 30 years subject to eligibility and affordability.
Relevant guides: NHF mortgage loan
Can I automatically withdraw all my NHF contributions when I leave a job?
Not simply because one employment ends. NHF refunds follow the eligibility conditions in the applicable NHF rules. Verify your contribution history and the current refund condition with FMBN before submitting a request.
Relevant guides: NHF contribution refund · NHF registration