Nigeria · Mortgages & NHF
Finance a verified home with clarity, not clutter.
Diaspora NHF, FMBN rules, and bank partners — distilled into what matters. Use the AI matcher now; deeper assessments and integrations are on the way.
On this page
- Key numbers & partner banks
- AI matcher on the right — collapse anytime
- NHF steps + what's shipping next
At a glance
Numbers people ask first — still subject to FMBN / bank rules.
Equity split
~30% / ~70%
Common FMBN pathway — verify with your PMB
Contributions
12 months
Often needed before drawdown; apply path may open ~9 months
Who runs NHF
FMBN + PMB
Registered diaspora route includes NiDCOM checks
With your deal
Verified listing
We align docs with properties on EasyMoveZone
Partner banks (Nigeria)
Introductions and document alignment — approval is always the lender's call.
Diaspora NHF in three lines
Programme detail lives with FMBN / NiDCOM — we help you navigate alongside a purchase.
Built for diaspora
Structured NHF contributions toward owning a home in Nigeria.
Works with licensed PMBs
Application and disbursement through approved primary mortgage banks.
Credible pathway
Public programme layer — not a private “shortcut” product.
NHF registration
From application to contributing member.
Apply
Form in; processing can take a few working days.
Verify
FMBN / NiDCOM validate your details.
ID number
Accepted contributors receive an ID.
Pay in
Monthly contributions start; track the 12-month clock.
Retirement rules
Withdrawal rules follow FMBN policy after employment ends.
Mortgage application
After you meet contributor eligibility.
Pick & apply
Eligible homes + paperwork to your PMB.
Credit check
PMB verifies income and credibility.
Offer
Review terms; respond within the window they set.
Disburse
Typical ~30% equity / ~70% loan — confirm live numbers.
Title
Ownership follows programme and loan closure rules.
Assessment workspace
Structured calculators and readiness scores — same brand experience as listings, built for serious buyers.
Affordability & stress tests
Payment scenarios, rate shocks, and FX context in one view.
In development
Document readiness
Checklist scored against what PMBs usually ask for.
In development
Scenario compare
Side-by-side NHF vs commercial vs diaspora bank paths.
In development
Integrations
Plugs into lenders, payroll, and bureau data where partners and regulation allow — always with explicit consent.
Lender & bank APIs
Pre-qual hints and status sync where partners expose APIs.
Payroll & income
Verified employment hooks when you opt in.
Bureau & fraud signals
Responsible checks with clear consent and audit trail.
Official forms & sources
Download the latest diaspora NHF pack from FMBN / NiDCOM when you're ready to apply.
Summaries are educational and may drift from current policy. EasyMoveZone is not FMBN or a bank. Confirm every term with FMBN, NiDCOM, and your Primary Mortgage Bank before you commit.