Month 1
September 17th, 2026
- Principal payment
- Interest payment
- Monthly repayment
- Remaining balance
Purchase option for 3 bedroom apartment 3 Bedroom Duplex in Apo, Abuja
Important details about the National Housing Fund (NHF)
Repayment Schedule for the payment of National Housing Fund (NHF)
September 17th, 2026
October 17th, 2026
November 17th, 2026
December 17th, 2026
January 17th, 2027
February 17th, 2027
March 17th, 2027
April 17th, 2027
May 17th, 2027
June 17th, 2027
July 17th, 2027
August 17th, 2027
| S/N | Month | Monthly Principal Payment | Monthly Interest Payment | Monthly Repayment | Remaining Balance |
|---|---|---|---|---|---|
| 1 | September 17th, 2026 | ₦1,769,427.46 | ₦225,000 | ₦1,994,427.46 | ₦43,230,572.54 |
| 2 | October 17th, 2026 | ₦1,778,274.60 | ₦216,152.86 | ₦1,994,427.46 | ₦41,452,297.94 |
| 3 | November 17th, 2026 | ₦1,787,165.97 | ₦207,261.49 | ₦1,994,427.46 | ₦39,665,131.97 |
| 4 | December 17th, 2026 | ₦1,796,101.80 | ₦198,325.66 | ₦1,994,427.46 | ₦37,869,030.17 |
| 5 | January 17th, 2027 | ₦1,805,082.31 | ₦189,345.15 | ₦1,994,427.46 | ₦36,063,947.86 |
| 6 | February 17th, 2027 | ₦1,814,107.72 | ₦180,319.74 | ₦1,994,427.46 | ₦34,249,840.13 |
| 7 | March 17th, 2027 | ₦1,823,178.26 | ₦171,249.20 | ₦1,994,427.46 | ₦32,426,661.87 |
| 8 | April 17th, 2027 | ₦1,832,294.15 | ₦162,133.31 | ₦1,994,427.46 | ₦30,594,367.72 |
| 9 | May 17th, 2027 | ₦1,841,455.62 | ₦152,971.84 | ₦1,994,427.46 | ₦28,752,912.10 |
| 10 | June 17th, 2027 | ₦1,850,662.90 | ₦143,764.56 | ₦1,994,427.46 | ₦26,902,249.20 |
| 11 | July 17th, 2027 | ₦1,859,916.22 | ₦134,511.25 | ₦1,994,427.46 | ₦25,042,332.98 |
| 12 | August 17th, 2027 | ₦1,869,215.80 | ₦125,211.66 | ₦1,994,427.46 | ₦23,173,117.19 |
| 13 | September 17th, 2027 | ₦1,878,561.88 | ₦115,865.59 | ₦1,994,427.46 | ₦21,294,555.31 |
| 14 | October 17th, 2027 | ₦1,887,954.68 | ₦106,472.78 | ₦1,994,427.46 | ₦19,406,600.63 |
| 15 | November 17th, 2027 | ₦1,897,394.46 | ₦97,033 | ₦1,994,427.46 | ₦17,509,206.17 |
| 16 | December 17th, 2027 | ₦1,906,881.43 | ₦87,546.03 | ₦1,994,427.46 | ₦15,602,324.74 |
| 17 | January 17th, 2028 | ₦1,916,415.84 | ₦78,011.62 | ₦1,994,427.46 | ₦13,685,908.90 |
| 18 | February 17th, 2028 | ₦1,925,997.92 | ₦68,429.54 | ₦1,994,427.46 | ₦11,759,910.98 |
| 19 | March 17th, 2028 | ₦1,935,627.91 | ₦58,799.55 | ₦1,994,427.46 | ₦9,824,283.08 |
| 20 | April 17th, 2028 | ₦1,945,306.05 | ₦49,121.42 | ₦1,994,427.46 | ₦7,878,977.03 |
| 21 | May 17th, 2028 | ₦1,955,032.58 | ₦39,394.89 | ₦1,994,427.46 | ₦5,923,944.45 |
| 22 | June 17th, 2028 | ₦1,964,807.74 | ₦29,619.72 | ₦1,994,427.46 | ₦3,959,136.71 |
| 23 | July 17th, 2028 | ₦1,974,631.78 | ₦19,795.68 | ₦1,994,427.46 | ₦1,984,504.94 |
| 24 | August 17th, 2028 | ₦1,984,504.94 | ₦9,922.52 | ₦1,994,427.46 | ₦-0 |
These are the different levels of finishing which the 3 bedroom apartment can be purchased using the National Housing Fund (NHF) and the various prices on each finishing level.
How the National Housing Fund (NHF) works on Giddaa
Step 1
Register as an NHF contributor and make monthly contributions through the FMBN Internet Banking portal.
Performed by You
Step 2
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
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
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 for the National Housing Fund (NHF)
We’ll compare this plan’s monthly payment with your income details and show you a clear estimate.
The documents you need to submit when applying for National Housing Fund (NHF)
This plan does not require any documents.