NHF Loan: Apply for 2022 Federal Mortgage Loan

How To Access NHF Loan From Federal Mortgage Bank Of Nigeria – 2022 Federal Mortgage Loan Application

Apply for a federal mortgage loan application for 2022/2023
The Nigeria Federal Mortgage Bank (FMBN) Loan Application Form Reference Portal launched ; Learn how to apply for an FMBN loan registration form and distribution update.

Borrowers for Federal Mortgage Loan may be eligible for a maximum loan of N15 million.

Mortgage Bank Federal Housing Loan
Mortgage Bank Home Renovation Loan
Mortgage Bank Construction Loan
Mortgage Bank Estate Development Loan
Mortgage Bank Rent to Own Loan
Mortgage Bank Diaspora NHF Mortgage Loan


Any Nigerian above the age of 18

Applicant must be a contributor to the National Housing Fund for a minimum period of six months.

Applicant must have satisfactory evidence of regular flow of income to guarantee loan repayment.


The loan shall be for the purpose of building, purchasing, or renovating a residential accommodation

No loan shall be for refinancing

Requirements for Federal Mortgage Loan Application Form 2022/2023

  • Applicants must be 18 years and above
  • Savings account with a registered primary mortgage bank.
  • Contribution to the fund for a minimum of six months.
  • Proof of regular flow of income.
  • Photocopies of other substantiating title documents.
  • Survey and site plans.
  • A copy of an approved building plan
  • Bill of Quantities (if you have one)
  • Valuation report prepared by registered surveyors and valuers where applicable.
  • Tax clearance certificate for three years.
  • Letter of consent to your chosen primary mortgage bank.
  • Completed mortgage loan application form.
  • Proof of National Housing Fund contribution.
  • Pay slips for the previous three months


Applicant is to apply through a duly licensed and accredited mortgage loan originator (MLO) of his/her choice and not directly to Federal Mortgage Bank of Nigeria (FMBN).

The MLO of the applicant’s choice must be accredited by FMBN to access the NHF facility. Application forms for NHF loans are obtainable from the MLO

How to Apply for 2022/2023 Federal Mortgage Loan Application Form

To apply online, please visit, Official Website

Institutional borrowers can apply directly to the Federal Mortgage Bank of Nigeria for the loan (FMBN)
Individuals can only apply through a Primary Mortgage Bank (PMB) of their choice that is fully licensed. However, you cannot apply for the loan directly through FMBN.
Interested applicants must get the loan applications from the same Primary Mortgage Institution.
To use the national housing fund facility, you must have registered your principal mortgage institution with FMBN.
Code to check Federal Mortgage Loan Transaction
The USSD CODE to use in order to carry out those transactions is *219#
Federal Mortgage Loan USSD CODE Transaction work out this way, just:

Dial *219# and send
Type 2 and send
Enter 1 and send
Enter the exact month that’s 1 to 12 and send it.


The property for which the loan is sought shall serve as security for the loan.

The property shall conform with the existing planning laws and regulations (approved building plan).

The property shall possess sufficient value to recover the loan.

A mortgage property shall be insured against hazards

The loan shall be secured by first legal mortgage of the property between the applicant and the mortgage loan originator and assigned to FMBN.


Open a savings account with a registered PMB

Contribution to the fund for at least six months prior to application.

Have satisfactory evidence of regular flow of income to guarantee the loan.

Submit photocopies of valid title documents (e.g. C of O).

Approved survey/site plans

Approved building plans

Priced Bill of Quantities where applicable

Valuation report prepared by a firm of registered surveyors and valuers where applicable

Three years tax clearance certificate

Letter of consent to mortgage to your chosen PMB

Completed prescribed mortgage loan application form

Evidence of NHF participation

Copy of pay slips for the previous three months

Equity contribution of personal stake of 30 percent, 20 percent or 10 percent depending on the loan amount applied for loans of N15 million, N10 million and N5 million respectively

Offer letter/Acceptance and Allocation letter (in case of government projects)

In case of registered self-employed applicant, a copy of Articles and Memorandum of Association and a copy of Certificate of Incorporation as evidence of employment status must be submitted.


A borrower is entitled to a maximum loan of fifteen million naira (N15, 000,000.00) or as determined by the Bank.

No individual should be given a loan in excess of 90% of the cost or value of the property to be mortgaged.

Equity contribution based on the new loan amounts is as follows:

N15,000,000.00 – 30%

N10,000,000.00 – 20%

N5,000,000.00 – 10%


Interest rate shall be as prescribed by the National Housing Fund Act which is not more than 6% p.a.

These loans have helped people meet emergency needs, pay fees, write professional exams, make purchases and invest in their startups amongst other uses.

If you have a need or a dream and need access to cash, I can help you process your application. You will get your approved amount (from NGN100,000 to NGN5,000,000) deposited in your account 24 hours after successful submission of all the required documents.

↯↯↯Read More On The Topic On TDPel Media ↯↯↯