National Housing Fund (NHF) Loan Scheme What You Need To know!

National Housing fund (NHF) is a Federal Government introduced scheme, to which all public servants and employees in the organised private sector within the country are expected to contribute 2.5% of their monthly salary to Federal Mortgage Bank of Nigeria, managers of the fund.



  1. Housing loan of up to 90% of the cost of the house.
  2. Interest on loans remains fixed throughout the life of the mortgage at 6% p.a.
  3. Long period of repayment of up to 30 years.
  4. Contributions can serve as additional old age security.
  5. Up to N15 million can be borrowed.
  6. Refunds with 2% interest on retirement.
  7. Loan repayment is about the same as a typical monthly rent.
  8. Every contributor has: a lifetime registration number, a passbook for personal recording of contributions and the account statement.

Who can apply?



Other Requirements

  1. Evidence of Registration With NHF Scheme (Passbook).
  2. Income Statement (Recent Payslip for Past six (6) Months, for workers and 1 years statement of account for self employed).
  3. Tax Clearance Card.
  4. Utility Bill (Nepa, Water, Or Waste).
  5. Identity Card (Drivers License Or International Passport).
  6. Age Declaration/Birth Certificate.
  7. Eight Recent Passport Photographs.
  8. Employment Letter/Confirmation Letter.
  9. Letter of declaration as first time applicant.
  10. Handwriting NHF Loan application.
  11. Employer mortgage confirmation.
  12. Affidavit of Support from Spouse/Relation (where necessary).

Core Values »

SIM Property & Homes Limited is driven by a set of corporate values that help to sustain our quality profile on a consistent basis. The values which have evolved into a corporate culture include:-

  • Quality engineering and services
  • Speedy and Consistent delivery of services
  • Customers satisfaction/delight
  • Transparency and accountability
  • Cost consciousness and waste reduction
  • Practices, processes and procedures driven by world class management.