SwiftLiving Realty

NATIONAL HOUSING FUND (NHF) — BUYER EXPLANATION GUIDE

1. What is NHF?

Simple explanation to a buyer:

“NHF is a government-backed housing finance scheme that helps qualified Nigerians buy their own homes by providing access to affordable mortgage loans instead of paying the full property price upfront.”

The idea is:

Buyer contributes → qualifies → gets mortgage financing → buys the property → repays gradually monthly.

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2. Who Can Use NHF?

A buyer can qualify if they are:

✅ Salaried employees
✅ Self-employed Nigerians
✅ Private sector workers
✅ Government workers
✅ Nigerians in the diaspora (under diaspora NHF programmes)

Generally, the buyer must:

* Be an NHF contributor
* Have contributed for at least 6 months (This can be fast-tracked).
* Have proof of income to support repayment
* Meet mortgage requirements

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3. How Does the Buyer Access the Money?

The buyer does not normally receive cash directly.

The process is:

Step 1:

Buyer selects a property.

Example:

Apartment price: ₦50 million

Step 2:

Buyer applies for NHF mortgage through an approved Primary Mortgage Bank.

Step 3:

The mortgage institution evaluates:

* Income
* NHF contribution record
* Property documents
* Ability to repay

Step 4:

If approved, the mortgage finances the purchase.

Prime Victoria Island Hotel For Sale

Land: 4,000sqm

Existing structure: Over 86 apartment-style units (mix of 3-bedroom, 2-bedroom, 1-bedroom + maids rooms)

Price: ₦8 Billion (Net)

Agency Fee: 5% (Net)

Location:Victoria Island,Lagos

Ideal for: Hotel, luxury serviced apartments, or high-rise redevelopment

Title: (C of O / Governor’s Consent / Registered Deed)

Features: Swimming pool, ample parking, good road access, strong redevelopment potential

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*Location:* Abijo, Lekki, Lagos
*Title:* Governor's Consent

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0806 357 1680