National Housing Fund (NHF)

Purchase option for 2 Bed Duplex in Warri 3 Bedroom Duplex in Warri North, Delta

Please note: although this property is listed, the seller’s authority to transfer title is unconfirmed. Verification occurs when buyers indicate purchase interest, ensuring protection of their interests.

Details

Important details about the National Housing Fund (NHF)

Interest Rate: 6.00% per annum
Finishing Levels: 1
Monthly Payment: ₦242,817.96
Minimum Down Payment: 10%
Payment Period: 30 years
Maximum Loan Amount: ₦50,000,000
Closing Costs: Legal, Insurance, Professional Fees.
Joint applications and co-owners allowed?: Yes

Repayment Schedule

Repayment Schedule for the payment of National Housing Fund (NHF)

Total Interest: ₦72.90M
Total Principal: ₦0.09
Total Payable (total principal payment + total interest payment): ₦72.90M
Monthly Payment: ₦202.50K
Payment Period: 30 years360 months

Month 1

October 23rd, 2026

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 2

November 23rd, 2026

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 3

December 23rd, 2026

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 4

January 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 5

February 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 6

March 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 7

April 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 8

May 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 9

June 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 10

July 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 11

August 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 12

September 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

S/N	Month	Monthly Principal Payment	Monthly Interest Payment	Monthly Repayment	Remaining Balance
1	October 23rd, 2026	₦0	₦202,500	₦202,500	₦40,500,000
2	November 23rd, 2026	₦0	₦202,500	₦202,500	₦40,500,000
3	December 23rd, 2026	₦0	₦202,500	₦202,500	₦40,500,000
4	January 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
5	February 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
6	March 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
7	April 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
8	May 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
9	June 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
10	July 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
11	August 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
12	September 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
13	October 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
14	November 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
15	December 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
16	January 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
17	February 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
18	March 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
19	April 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
20	May 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
21	June 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
22	July 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
23	August 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
24	September 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000

Estimated Closing & Transaction Costs

Everything it takes to close on this house with the National Housing Fund (NHF). It covers who you pay, whether it is required, and what it adds up to.

Estimated total closing costs for the Fully Completed (Furnished) · National Housing Fund (NHF)

₦5,217,000 - ₦5,541,000

11.6% - 12.3% of the ₦45,000,000 house price, on top of your initial deposit. Ranges show where a fee varies by bank, lawyer or seller.

Paid to Bank
₦3,417,000 - ₦3,741,000
6 fees · 7.6% - 8.3%
Paid to Brokerage
₦1,800,000
1 fee · 4.0%

Account Maintenance
Required
Account Maintenance of the account
₦50,000
Fixed
Advisory Fee
Required
Advisory Fee for which loan to take
₦202,500
0.5% of loan amount
Processing Fee
Required
Processing Fee for processing the house
₦1,800,000
4% of house price
Legal Search
Required
Legal Search
₦202,500 - ₦405,000
0.5% - 1% of loan amount
Credit Search
Required
Credit Search
₦162,000 - ₦283,500
0.4% - 0.7% of loan amount
Infrastructure Fee
Required
Infrastructure Fee
₦1,000,000
Fixed

Subtotal — BankSubtotal, paid to bank₦3,417,000 - ₦3,741,000

Giddaa Professional Fee
Required
Giddaa Professional Fee
₦1,800,000
4% of house price

Subtotal — BrokerageSubtotal, paid to brokerage₦1,800,000

Estimated Total Closing Costs

₦5,217,000 - ₦5,541,000

Excludes your initial deposit of ₦4,500,000 and your monthly repayments.

11.6% - 12.3% of the house price

Total cost to buy this home with the National Housing Fund (NHF) (price + closing costs): ₦50,217,000 - ₦50,541,000

These are estimates from general transactions handled on Giddaa, not a quote

Unless a fee says otherwise, percentage fees are applied to the ₦45,000,000 house price. The banks, lawyers and the sellers (developer or individual) confirm the exact figures at offer-letter stage, and some costs can be negotiated. However, you should prepare with this in mind as they are more accurate than not.

Finishing Levels

These are the different levels of finishing which the 2 Bed Duplex in Warri can be purchased using the National Housing Fund (NHF) and the various prices on each finishing level.

Fully Completed (Furnished)

Price: ₦45,000,000
Minimum Initial Deposit: 10% (₦4,500,000)
Monthly Payment: ₦242,817.96
Payment Period: 30 years

How it works

How the National Housing Fund (NHF) works on Giddaa

Step 1
Start Contributing
Register as an NHF contributor and make monthly contributions through the FMBN Internet Banking portal.
Performed by You
Step 2
Find and Apply
After 6 months of contributions (for new contributors), choose a home available on Giddaa under the NHF plan, inspect it, and apply by submitting your documents for prequalification.
Performed by You with support from Giddaa
Step 3
Loan Processing
If you pass prequalification, a Primary Mortgage Bank (PMB) will open your account, batch your application, and submit it to FMBN for approval.
Performed by Primary Mortgage Bank (PMB)
Step 4
Get Keys, Repay
Once approved, FMBN disburses funds to the PMB which then disburses to the developer, you get your keys, move in, and start repaying monthly through Giddaa with full tracking and reminders.
Performed by You

Your Affordability

Your affordability for the National Housing Fund (NHF)

Log in to check your affordability

We’ll compare this plan’s monthly payment with your income details and show you a clear estimate.

Application Documents

The documents you need to submit when applying for National Housing Fund (NHF)

No documents found

This plan does not require any documents.

Buy the 3 Bed Duplex in Warri North Delta with the National Housing Fund (NHF). | Giddaa

National Housing Fund (NHF)

Purchase option for 2 Bed Duplex in Warri 3 Bedroom Duplex in Warri North, Delta

Details

Important details about the National Housing Fund (NHF)

Interest Rate: 6.00% per annum
Finishing Levels: 1
Monthly Payment: ₦242,817.96
Minimum Down Payment: 10%
Payment Period: 30 years
Maximum Loan Amount: ₦50,000,000
Closing Costs: Legal, Insurance, Professional Fees.
Joint applications and co-owners allowed?: Yes

Repayment Schedule

Repayment Schedule for the payment of National Housing Fund (NHF)

Total Interest: ₦72.90M
Total Principal: ₦0.09
Total Payable (total principal payment + total interest payment): ₦72.90M
Monthly Payment: ₦202.50K
Payment Period: 30 years360 months

Month 1

October 23rd, 2026

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 2

November 23rd, 2026

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 3

December 23rd, 2026

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 4

January 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 5

February 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 6

March 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 7

April 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 8

May 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 9

June 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 10

July 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 11

August 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

Month 12

September 23rd, 2027

Principal payment: ₦0
Interest payment: ₦202,500
Monthly repayment: ₦202,500
Remaining balance: ₦40,500,000

S/N	Month	Monthly Principal Payment	Monthly Interest Payment	Monthly Repayment	Remaining Balance
1	October 23rd, 2026	₦0	₦202,500	₦202,500	₦40,500,000
2	November 23rd, 2026	₦0	₦202,500	₦202,500	₦40,500,000
3	December 23rd, 2026	₦0	₦202,500	₦202,500	₦40,500,000
4	January 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
5	February 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
6	March 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
7	April 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
8	May 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
9	June 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
10	July 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
11	August 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
12	September 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
13	October 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
14	November 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
15	December 23rd, 2027	₦0	₦202,500	₦202,500	₦40,500,000
16	January 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
17	February 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
18	March 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
19	April 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
20	May 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
21	June 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
22	July 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
23	August 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000
24	September 23rd, 2028	₦0	₦202,500	₦202,500	₦40,500,000

Estimated Closing & Transaction Costs

Everything it takes to close on this house with the National Housing Fund (NHF). It covers who you pay, whether it is required, and what it adds up to.

Estimated total closing costs for the Fully Completed (Furnished) · National Housing Fund (NHF)

₦5,217,000 - ₦5,541,000

11.6% - 12.3% of the ₦45,000,000 house price, on top of your initial deposit. Ranges show where a fee varies by bank, lawyer or seller.

Paid to Bank
₦3,417,000 - ₦3,741,000
6 fees · 7.6% - 8.3%
Paid to Brokerage
₦1,800,000
1 fee · 4.0%

Account Maintenance
Required
Account Maintenance of the account
₦50,000
Fixed
Advisory Fee
Required
Advisory Fee for which loan to take
₦202,500
0.5% of loan amount
Processing Fee
Required
Processing Fee for processing the house
₦1,800,000
4% of house price
Legal Search
Required
Legal Search
₦202,500 - ₦405,000
0.5% - 1% of loan amount
Credit Search
Required
Credit Search
₦162,000 - ₦283,500
0.4% - 0.7% of loan amount
Infrastructure Fee
Required
Infrastructure Fee
₦1,000,000
Fixed

Subtotal — BankSubtotal, paid to bank₦3,417,000 - ₦3,741,000

Giddaa Professional Fee
Required
Giddaa Professional Fee
₦1,800,000
4% of house price

Subtotal — BrokerageSubtotal, paid to brokerage₦1,800,000

Estimated Total Closing Costs

₦5,217,000 - ₦5,541,000

Excludes your initial deposit of ₦4,500,000 and your monthly repayments.

11.6% - 12.3% of the house price

Total cost to buy this home with the National Housing Fund (NHF) (price + closing costs): ₦50,217,000 - ₦50,541,000

These are estimates from general transactions handled on Giddaa, not a quote

Finishing Levels

These are the different levels of finishing which the 2 Bed Duplex in Warri can be purchased using the National Housing Fund (NHF) and the various prices on each finishing level.

Fully Completed (Furnished)

Price: ₦45,000,000
Minimum Initial Deposit: 10% (₦4,500,000)
Monthly Payment: ₦242,817.96
Payment Period: 30 years

How it works

How the National Housing Fund (NHF) works on Giddaa

Step 1
Start Contributing
Register as an NHF contributor and make monthly contributions through the FMBN Internet Banking portal.
Performed by You
Step 2
Find and Apply
After 6 months of contributions (for new contributors), choose a home available on Giddaa under the NHF plan, inspect it, and apply by submitting your documents for prequalification.
Performed by You with support from Giddaa
Step 3
Loan Processing
If you pass prequalification, a Primary Mortgage Bank (PMB) will open your account, batch your application, and submit it to FMBN for approval.
Performed by Primary Mortgage Bank (PMB)
Step 4
Get Keys, Repay
Once approved, FMBN disburses funds to the PMB which then disburses to the developer, you get your keys, move in, and start repaying monthly through Giddaa with full tracking and reminders.
Performed by You

Your Affordability

Your affordability for the National Housing Fund (NHF)

Log in to check your affordability

We’ll compare this plan’s monthly payment with your income details and show you a clear estimate.

Application Documents

The documents you need to submit when applying for National Housing Fund (NHF)

No documents found

This plan does not require any documents.

Details

Repayment Schedule

Month 1

Month 2

Month 3

Month 4

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

Month 12

Estimated Closing & Transaction Costs

Bank & Financing Fees

Brokerage & Legal Fees

Estimated Total Closing Costs

Finishing Levels

Fully Completed (Furnished)

How it works

Start Contributing

Find and Apply

Loan Processing

Get Keys, Repay

Your Affordability

Log in to check your affordability

Application Documents

Details

Repayment Schedule

Month 1

Month 2

Month 3

Month 4

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

Month 12

Estimated Closing & Transaction Costs

Bank & Financing Fees

Brokerage & Legal Fees

Estimated Total Closing Costs

Finishing Levels

Fully Completed (Furnished)

How it works

Start Contributing

Find and Apply

Loan Processing

Get Keys, Repay

Your Affordability

Log in to check your affordability

Application Documents