Owning a home in Abuja might seem like a distant dream, but what if we told you that the National Housing Fund (NHF) Mortgage Scheme can make it a reality? If you’re a Nigerian earning at least ₦3,000 per month, you’re eligible to own a home with just 10% equity contribution and spread payment over up to 30 years!

What is the NHF Mortgage Scheme?

The National Housing Fund (NHF) is a government-backed initiative that allows Nigerian workers to access low-interest mortgage loans (currently at 6% interest per year) to buy, build, or renovate a home. This is significantly lower than the commercial mortgage rates of 20-25%!

Who Can Benefit?

Salaried workers (public & private sector employees)
Self-employed individuals (with verifiable income)
Anyone contributing 2.5% of their monthly income to the NHF scheme

How to Apply for an NHF Mortgage

Register & Contribute – Start by contributing 2.5% of your monthly income to the NHF fund through the Federal Mortgage Bank of Nigeria (FMBN).
Choose a Property – Pick a home that meets the NHF guidelines. We at RealtorKingz have affordable & NHF-compliant properties available!
Apply Through a PMB – Submit your loan application via a Primary Mortgage Bank (PMB), not directly to FMBN.
Get Approval & Move In – Once approved, pay your equity contribution (10-30%), and start living in your new home while repaying over up to 30 years!

Why Choose NHF Over Regular Mortgages?

✔ Lower Interest Rates (6%) – Unlike commercial mortgages at 20%+
✔ Flexible Repayment (Up to 30 Years) – No pressure to clear your loan quickly
✔ Low Initial Deposit (10-30%) – Own a home with minimal upfront cost
✔ Accessible to All Nigerians – Whether you’re a civil servant, business owner, or salary earner

At RealtorKingz, we specialize in helping Nigerians find and secure NHF-compliant homes in Abuja. Our expert team will guide you through the entire process, from application to move-in!

Need help getting started? Contact us today or reply to this email, and let’s make your dream home a reality.