Did you know the government is legally obligated — through the NHF Act — to help you access housing if you qualify?
Many Nigerians are unaware of this. That lack of awareness is one reason so many remain lifelong tenants. There is a federal law, the NHF Act, which entitles Nigerian workers earning above a specified minimum (originally ₦3,000 per annum) to benefit from government-backed housing support. This law gives eligible contributors access to low-interest mortgage loans (around 6 % per annum — not the 18 % or 22 % common with commercial bank mortgage). The law remains valid in 2025. fmbn.gov.ng+2fmbn.gov.ng+2 Unfortunately, many Nigerians have never heard of it — so they never take advantage of their rights under the law. What the NHF Act provides Under NHF: Each contributor receives a lifetime NHF registration number, a passbook or account statement to track contributions. fmbn.gov.ng+2fmbn.gov.ng+2 Who qualifies How to access NHF benefits What is True — and What Is Not / What Is Unclear What is true / valid What is incorrect, exaggerated or unclear Bottom Line