Month 1
September 18th, 2026
- Principal payment
- Interest payment
- Monthly repayment
- Remaining balance
Purchase option for 3bedroom duplex 3 Bedroom Duplex in Wuse 2, Abuja
Important details about the National Housing Fund (NHF)
Repayment Schedule for the payment of National Housing Fund (NHF)
September 18th, 2026
October 18th, 2026
November 18th, 2026
December 18th, 2026
January 18th, 2027
February 18th, 2027
March 18th, 2027
April 18th, 2027
May 18th, 2027
June 18th, 2027
July 18th, 2027
August 18th, 2027
| S/N | Month | Monthly Principal Payment | Monthly Interest Payment | Monthly Repayment | Remaining Balance |
|---|---|---|---|---|---|
| 1 | September 18th, 2026 | ₦14,155.42 | ₦1,800 | ₦15,955.42 | ₦345,844.58 |
| 2 | October 18th, 2026 | ₦14,226.20 | ₦1,729.22 | ₦15,955.42 | ₦331,618.38 |
| 3 | November 18th, 2026 | ₦14,297.33 | ₦1,658.09 | ₦15,955.42 | ₦317,321.06 |
| 4 | December 18th, 2026 | ₦14,368.81 | ₦1,586.61 | ₦15,955.42 | ₦302,952.24 |
| 5 | January 18th, 2027 | ₦14,440.66 | ₦1,514.76 | ₦15,955.42 | ₦288,511.58 |
| 6 | February 18th, 2027 | ₦14,512.86 | ₦1,442.56 | ₦15,955.42 | ₦273,998.72 |
| 7 | March 18th, 2027 | ₦14,585.43 | ₦1,369.99 | ₦15,955.42 | ₦259,413.29 |
| 8 | April 18th, 2027 | ₦14,658.35 | ₦1,297.07 | ₦15,955.42 | ₦244,754.94 |
| 9 | May 18th, 2027 | ₦14,731.64 | ₦1,223.77 | ₦15,955.42 | ₦230,023.30 |
| 10 | June 18th, 2027 | ₦14,805.30 | ₦1,150.12 | ₦15,955.42 | ₦215,217.99 |
| 11 | July 18th, 2027 | ₦14,879.33 | ₦1,076.09 | ₦15,955.42 | ₦200,338.66 |
| 12 | August 18th, 2027 | ₦14,953.73 | ₦1,001.69 | ₦15,955.42 | ₦185,384.94 |
| 13 | September 18th, 2027 | ₦15,028.50 | ₦926.92 | ₦15,955.42 | ₦170,356.44 |
| 14 | October 18th, 2027 | ₦15,103.64 | ₦851.78 | ₦15,955.42 | ₦155,252.81 |
| 15 | November 18th, 2027 | ₦15,179.16 | ₦776.26 | ₦15,955.42 | ₦140,073.65 |
| 16 | December 18th, 2027 | ₦15,255.05 | ₦700.37 | ₦15,955.42 | ₦124,818.60 |
| 17 | January 18th, 2028 | ₦15,331.33 | ₦624.09 | ₦15,955.42 | ₦109,487.27 |
| 18 | February 18th, 2028 | ₦15,407.98 | ₦547.44 | ₦15,955.42 | ₦94,079.29 |
| 19 | March 18th, 2028 | ₦15,485.02 | ₦470.40 | ₦15,955.42 | ₦78,594.26 |
| 20 | April 18th, 2028 | ₦15,562.45 | ₦392.97 | ₦15,955.42 | ₦63,031.82 |
| 21 | May 18th, 2028 | ₦15,640.26 | ₦315.16 | ₦15,955.42 | ₦47,391.56 |
| 22 | June 18th, 2028 | ₦15,718.46 | ₦236.96 | ₦15,955.42 | ₦31,673.09 |
| 23 | July 18th, 2028 | ₦15,797.05 | ₦158.37 | ₦15,955.42 | ₦15,876.04 |
| 24 | August 18th, 2028 | ₦15,876.04 | ₦79.38 | ₦15,955.42 | ₦-0 |
These are the different levels of finishing which the 3bedroom duplex 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)
Recent bank statements for the last six months to demonstrate financial stability and capacity to repay the loan with bank stamp.