The National Housing Programme (NHP) is one of Nigeria’s most prominent federal initiatives that was designed to offer affordable housing options to citizens from all geographical zones. The program was launched through the Federal Ministry of Housing and Urban Development; the programme specifically targets middle- and low-income people who are unable to get commercial loans for housing.
To fulfil the federal government’s plan to promote inclusive housing development as part of the vision for inclusive housing development, the NHP creates and distributes inexpensive residential units for Nigerians via transparent online applications and loan financing. This is a crucial step towards reducing Nigeria’s housing shortage and ensuring that everyone has equal access to decent housing.
This article is a complete guide to applying for the National Housing Programme (NHP), which includes its goals and eligibility criteria, as well as funding details, as well as the required documents, timelines and typical application issues.
What Is the National Housing Programme (NHP)?
The National Housing Programme (NHP) is a nationwide housing development initiative initiated through the Federal Government of Nigeria in order to provide more adequate and reasonable housing. The program is managed through the Federal Ministry of Housing and Urban Development in partnership in conjunction with the Federal Mortgage Bank of Nigeria (FMBN) and other mortgage institutions that are accredited.
The NHP includes the direct building of housing estates throughout the 36 states, as well as in the Federal Capital Territory (FCT). The estates consist of 1- or 2-bedroom flats, 3-bedroom flats, bungalows and duplexes conceived to meet various income levels.
The primary goal in the course is:
- Promote affordable homeownership among Nigerians.
- In addition, it creates jobs in the construction industry and boosts local economies.
- Inspire the usage of locally sourced building materials.
- Reduce the gap in housing, estimated to be 17 million units across the country.
The program is designed so that the completed housing units are offered to qualified buyers by way of flexible mortgage or rent-to-own arrangement at prices below market rates.
Funding & Coverage
The NHP is entirely supported by the Federal Government of Nigeria through budgetary allocations to the Federal Ministry of Housing and Urban Development. It is the Federal Mortgage Bank of Nigeria (FMBN) that facilitates mortgage agreements for applicants who are eligible.
The key details are:
- Funding Band: Housing units are priced between N7 million and N20 million depending on the size, design, and location.
- The interest rate is The typical rate is 6% per year by the National Housing Fund (NHF) mortgage window.
- Pay Tenure The term can be up to thirty years, dependent on the applicant’s income and their age.
- coverage: All 36 states as well as the FCT and projects that are within at least one capital city of a state for each zone.
- Target Group: Earners with low and moderate incomes Civil service workers, self-employed persons and Nigerians living in the diaspora who are looking to buy affordable homes.
This broad coverage guarantees that every Nigerian, regardless of their location or profession, has access to housing opportunities through the NHP framework.
Eligibility
To be eligible for the National Housing Programme, applicants must meet the following requirements:
- It is necessary to have a Nigerian citizen of 18 years or more.
- You must have at least one valid identification document (National ID, Voter’s Card or International Passport).
- It is essential to be able to prove a verified source of revenue (salaried or self-employed).
- You must be registered as a contributor of the National Housing Fund (NHF) when applying for a mortgage.
- Do not currently own any other property that is leased through government officials. Federal Government.
- It is essential that you are able to occupy your house (no subletting or resale prior to the full payment).
How to Apply
Apply these steps to the National Housing Programme (NHP):
- Visit the official NHP Portal:
Visit the National Housing Programme’s website application portal, which is managed by the Federal Ministry of Housing and Urban Development. - Create an Account
Create an account using your email address, name or phone number and other identification information. Verify your account by using the activate link or code. - Select preferred location along with the house type:
Choose your preferred city and state, as well as the kind of house (1-bedroom, 2-bedroom, 3-bedroom, or 4-bedroom). - Fill out the application form:
Fill in your personal information, such as the status of employment and the income range, as well as the payment option (outright or mortgage or rent-to-own). - Upload Documents Required:
Attach any supporting documents that are required in the formats that are required. - Apply for Submission:
Check your submissions carefully before submitting. Then you will get a confirmation text or email following your submission. - Wait for Verification and then Allocation
Await Verification and Allocation: The Federal Ministry reviews applications and sends out invitations to successful applicants for allocation or for further processing. - Complete mortgage or payment setup:
Once assigned, make direct payments to the designated accounts of the government or close your mortgage through the FMBN.
Required Documents
The applicant must supply:
- The online application form must be completed.
- Identity proof (National Identification Card, International Passport, or Driver’s License)
- Recent passport photographs
- A tax clearance document or proof of income
- Pay slips and corporate registration papers (for individuals who are self-employed)
- NHF contribution proof (if applying through mortgage)
- Letter of intention to purchase or lease the unit
- Bank reference letter
- Documentation of the address or utility bill
Timelines
- Application Duration: Usually open throughout the year, with updates being announced through the Ministry.
- Verification & Shortlisting: 4-6 weeks after submission.
- Allocation Method: Between 2 and 4 months according to the phase of completion of the project.
- Payment and Mortgage Processing: 1-2 months after the issuance of an allocation letter.
- Transfer: The keys are given at the time of full payment or beginning mortgage payments.
Common Challenges or Warnings
- False Application Link: Only apply through the official NHP portal. Beware of agents who are third-party.
- Incomplete Information: Missing data or unverified documents can disqualify an application.
- delayed allocations Certain housing developments have delays in construction or verification.
- Fraudulent Payments Do not make payments to accounts that are not yours or use unauthorised platforms.
- Multiple applications: Submitting more than one application can result in being disqualified.
Summary Table
| Item | Details |
|---|---|
| Program Name | National Housing Programme (NHP) |
| Administered By | Federal Ministry of Housing and Urban Development |
| Funding Source | Federal Government of Nigeria |
| Loan/Mortgage Rate | 6% per annum (via NHF) |
| Repayment Period | Up to 30 years |
| House Price Range | ₦7 million – ₦20 million |
| Coverage | 36 States and FCT |
| Target Group | Low- and middle-income Nigerians |
| Application Channel | Official NHP online portal |
| Minimum Age | 18 years |
Frequently Asked Questions
- What is the purpose of the NHP?
To provide affordable and decent housing for Nigerians across all income levels. - Who manages the program?
The Federal Ministry of Housing and Urban Development oversees NHP implementation. - Can private-sector workers apply?
Yes. Both public and private-sector workers can apply. - Is registration free?
Yes. Application on the official portal is completely free. - Can I apply for more than one unit?
No. Only one application per person is permitted. - How much does a house cost?
Prices range between ₦7 million and ₦20 million, depending on the unit type and state. - Is mortgage financing available?
Yes. The Federal Mortgage Bank of Nigeria provides mortgage options for qualified applicants. - How long does approval take?
Typically 2–4 months, depending on project and verification timelines. - Can I pay in installments?
Yes. Payment can be made in stages or through mortgage arrangements. - Are NHP houses available in all states?
Yes. Each state and the FCT has designated NHP housing estates. - Can Nigerians abroad apply?
Yes. Nigerians in the diaspora can apply online and pay through authorized channels. - Who can I contact for support?
Contact the Federal Ministry of Housing and Urban Development or your local FMBN office.
Conclusion
The National Housing Programme (NHP) is a cornerstone of Nigeria’s housing policy. offering low-cost homes to all citizens of the nation. When you follow the right procedures for application, keep exact documents and apply exclusively through the official channels, Nigerians have the opportunity to obtain affordable and government-backed housing. NHP continues to play a vital role in ensuring that NHP is still playing an essential part in achieving the goal of homeownership for a lot of families.
Disclaimer
This article is meant for educational reasons only. FederalGrantsInfo.com does not process NHP applications or collect payments. Always make sure you apply through verified government platforms and financial institutions that are accredited.