Buy Your Home Through the National Housing Fund (NHF)
The National Housing Fund (NHF) is a Federal Government scheme, managed by the Federal Mortgage Bank of Nigeria (FMBN), that gives Nigerian workers access to affordable long-term home loans. If you contribute to the NHF — or are eligible to start — Tech City Real Estate can guide you through financing one of our properties with an NHF/FMBN mortgage.
Single-digit, subsidized
Up to 30 years
Any registered NHF contributor
We guide your application end-to-end
Note: Exact interest rates, loan limits, and terms are set by FMBN and may change from time to time. Speak with our team or visit the official FMBN website for the most current figures before you apply.
What is the National Housing Fund (NHF)?
The NHF is a Federal Government housing scheme established to make homeownership affordable for Nigerian workers. Employees earning above the national minimum wage contribute a small percentage of their monthly income to the fund — usually deducted and remitted by their employer, or paid voluntarily if self-employed. These contributions build up a pool of funds that FMBN lends back out as low-interest mortgage loans to contributors who want to buy, build, or renovate a home.
What is FMBN?
The Federal Mortgage Bank of Nigeria (FMBN) is the government agency that manages the NHF and disburses NHF mortgage loans to eligible contributors. FMBN works with registered real estate developers — like Tech City Real Estate — so that contributors can use their NHF loan to purchase a home directly from an approved development.
Who Can Apply?
- Nigerian citizen, aged 18 to 59 years
- Registered and contributing to the NHF (minimum contribution period applies)
- In steady employment, or verifiable self-employed income
- No existing NHF loan, and not a defaulter on any previous loan
- Not yet a registered owner of a property built with NHF funds
Not yet registered with NHF? We can point you in the right direction — reach out to us and we'll help you get started before you apply below.
How the Process Works
- 1. Fill out the application form below with your details
- 2. Our team reviews your application and contacts you
- 3. We guide you through documentation and FMBN's requirements
- 4. Your application is submitted to FMBN for processing
- 5. On approval, funds are disbursed and your home purchase is completed
NHF / FMBN Mortgage Application
Fill in the form below to start your mortgage application. Once submitted, you'll receive an application number by email — keep it safe, as you'll need it to check your status.