How to Check National Housing Fund NHF


How to Check National Housing Fund NHF – The federal mortgage bank of Nigeria FMBN was founded with the goal of providing housing to every person in the country. The National Housing Fund (NHF) was established by Act 3 of 1992, which empowers mortgage institutions to collect 2.5 percent of each employee’s basic salary in Nigeria each month as the National Housing Funds Collection (NHF) contribution.

The kit includes a home renovation loan, a rent-to-own housing plan, a National Housing Fund loan, and a capital market loan.

National Housing Fund Scheme (NHF)

National Housing Fund (NHF) is a Federal Government-sponsored scheme under which all civil servants and organized private-sector workers in the country are required to contribute 2.5 percent of their monthly salaries to the fund’s administrators, Federal Mortgage Bank of Nigeria. Union Homes Savings and Loans Plc provides access to the fund for employees of various companies who are committed donors to the scheme. This scheme allows for the borrowing of up to # 5 million at a rate of 6% interest over a 30-year term.

National Housing Fund (NHF) Loan Scheme Requirements

  • Union Homes has an account with us.
  • Contribute to the fund for a minimum of six months
  • Possess sufficient proof of a consistent source of income to guarantee the loan
  • Submit an application for a mortgage loan using a prescribed mortgage loan application form.
  • Submit certified copies of all valid title documents (Cof O)
  • Survey/site plans that have been approved
  • Building proposals that have been approved
  • Consent letter to Union Homes Savings and Loans Limited
  • Where applicable, a costed bill of quantities
  • Where appropriate, a valuation report prepared by a firm of registered surveyors and valuers
  • Letter of Offer / Acceptance and Allocation (In case of Governments projects)
  • In the case of a registered self-employed person, he or she must send a copy of the Articles and Memorandum of Association, as well as a copy of the Certificate of Incorporation evidencing his or her employment status.

In today’s discussion, we’ll look at how to retrieve your NHF number and review your monthly contributions.

The Federal Mortgage Bank of Nigeria introduced a ussd code that enables you to conduct mortgage financial transactions without visiting a mortgage intuition for verification, as we often want to ascertain if our contribution has been remitted.

*219# is the magical USSD CODE that performs all assignments… This code enables you to access contact information, a request for a statement of account, a business board, and a mortgage calculator from the convenience of your office or home.

What is ussd code?

USSD banking is a form of banking that enables you to conduct financial transactions by simply dialing a shortcode on your phone. It is not dependent on the internet/web. The USSD is a networking technology based on the Global System for Mobile (GSM).

How to Retrieve National House Fund NHF Number

If you previously registered your mobile phone number with FMBN, you can retrieve your NHF Number on the go.

To start, follow these steps:

1. Send a message by dialing *219#.
2. Enter 3 and submit
Click the “Cancel” button to terminate the service.

How to Check NHF Monthly Contributions

Subscribers may check the status of their donation for any month during the current calendar year.
This is to ensure that your monthly contribution(s) has been made to the scheme.

To start, follow these steps:


1. Send a message by dialing *219#.
2. Enter 2 and apply
3. Enter 1 and press send.
4. Enter the exact month, ranging from 1 to 12, and submit

Please NOTE: In each submenu, you can type 00 to go “Back” to the previous screen or click on the “Cancel” button to quit the service.

Mobile App

Additionally, you can download the FMBN Mobile app from the Google Play Store or the Apple App Store.

Then build an account with your personal information and conduct all transactions from the comfort of your home.

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