NHF Mortgage Loans


This is a government sponsored scheme launched to assist Nigerians in their homeownership pursuit. Interested individuals must make an equity contribution of at least 10% and balance on the cost of the property settled with the aid of the National Housing Fund Mortgages. It is important for subscribers to note that equity contribution is dependent on the total cost of the property. Accessing the NHF Mortgages is a straightforward process as application will be done through a Primary Mortgages Bank who will then disburse the fund to the developer upon approval and documents required are not far-fetched as they include the basis bank opening documents and evidence of employment.

Terms and Eligibility Criteria:
  • Mandatory contribution of 2.5% of basic salary/income for a minimum of six months
  • Maximum loan amount irrespective of type of property is N15,000,000 (Fifteen Million Naira)
  • Mortgage is fixed at 6% interest rate per annum
  • Maximum repayment period of 30 years - accessing the maximum loan amount is subject to years to retirement

Mortgage Calculator
Now You Can Own a Home with Ease - Pay with A Blend of 3 Buckets Designed to Facilitate Seamless Real Estate Ownership.

Equity Contribution - Pay Minimum of 30%

Depending on the selected unit type, the investor will be required to pay a minimum equity contribution of 30%. The equity contribution can be spread over a convenient tenure and frequency for the investor.

Retirement Savings Account (RSA) Funds – Access 25% of RSA funds

Collaboratively, we will liaise with you and your Pension Fund Administrators (PFAs) to facilitate the processing of 25% of your Retirement Savings Account (RSA) funds. These funds will be allocated towards the payment for your selected unit in the Bold Living 3 project.

National Housing Fund (NHF) Mortgage – Up to N50 million

Investors who contribute up to N25,000 per month to the NHF scheme can access the maximum mortgage amount of N50 million. Our team will provide investors with comprehensive guidance and support throughout the entire process, to ensure the successful acquisition of the NHF mortgage.