General News
How to apply for FG loan to build, buy a house through National Housing Fund

By Our Reporter
The Federal Mortgage Bank of Nigeria offers mortgage financing to eligible Nigerians through the National Housing Fund, providing a route to buy, build, improve or renovate a home.
The NHF Mortgage Loan is currently available to contributors at an interest rate of 6 per cent per annum, with repayment of up to 30 years.
According to FMBN on its website, the current information shows that eligible contributors can access up to ₦50 million, subject to affordability and the value of the property.
Here are the key things applicants should know about the scheme and how to apply.
What is the FMBN mortgage loan?
The NHF Mortgage Loan is a housing finance facility administered by FMBN through accredited and licensed Primary Mortgage Banks (PMBs).
The facility can be used to buy, build, improve or renovate an owner-occupied home. The property being financed serves as security for the loan.
Unlike a conventional commercial mortgage, the NHF facility is designed to provide contributors with longer repayment periods and a concessionary interest rate.
Who is eligible?
Applicants generally have to meet the following conditions:
- Be a Nigerian citizen aged 18 or above.
- Be a contributor to the National Housing Fund.
- Have made continuous NHF contributions for at least six months.
- Have a stable source of income or, for self-employed applicants, provide evidence of regular income.
- Apply through an FMBN-accredited and licensed mortgage loan originator/Primary Mortgage Bank.
- Have a property that meets the relevant legal and planning requirements.
FMBN also states that loan repayment affordability is assessed using a maximum of one-third of the applicant’s income.
How much can you borrow?
FMBN’s current NHF Mortgage Loan page says a contributor can access up to ₦50 million, subject to affordability and other lending conditions.
The property also matters. FMBN’s published conditions state that an individual should not receive more than 90 per cent of the cost or value of the property being mortgaged.
The older ₦15 million figure still appears in some FMBN documents and online guides, but FMBN’s current product page now states ₦50 million. Applicants should therefore rely on the latest terms provided by FMBN and their accredited mortgage institution.
What is the interest rate?
The interest rate for NHF contributors is not more than 6 per cent per annum. FMBN currently describes the facility as being provided to accredited PMBs at 4 per cent for onward lending to NHF contributors at 6 per cent.
How long do you have to repay?
The maximum repayment period is 30 years, subject to factors including the applicant’s age, income and years in service.
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Repayments are made through the mortgage loan originator through which the applicant obtained the loan.
How to apply
Confirm your NHF contribution
You must first be registered as an NHF contributor and have made the required continuous contributions.
FMBN now provides an online personal/individual NHF registration portal for new contributors.
Choose an accredited mortgage institution
Applicants do not simply walk into FMBN and collect the mortgage loan directly. The application is made through a licensed and FMBN-accredited Primary Mortgage Bank/mortgage loan originator, which processes the application and submits it to FMBN.
Obtain the mortgage application form
The mortgage institution will provide the relevant application form and guide you on the documentation required for your particular application.
Prepare your documents
Depending on the nature of the application, applicants may be required to provide documents such as:
- Completed mortgage loan application form;
- Evidence of NHF contribution;
- Proof of income;
- Recent payslips or other income evidence;
- Property title documents;
- Valuation report for the property;
- Bill of quantities where the loan is for construction;
- Relevant tax and employment documents; and
- Other legal documents required by the mortgage institution.
The exact documentation can vary depending on whether the applicant is buying, building or renovating a property.
Submit the application
The application and supporting documents are submitted to the accredited mortgage institution.
The institution assesses the applicant’s income, repayment capacity, property and documentation before forwarding the application to FMBN where applicable.
Property and legal checks
The property is subjected to valuation and legal checks. FMBN’s conditions require the mortgaged property to provide adequate security and comply with relevant planning and legal requirements.
Approval and disbursement
Once the relevant conditions are satisfied and the loan is approved, the funds are disbursed through the mortgage loan originator for the approved housing purpose.
What can the loan be used for?
The NHF Mortgage Loan can be used to:
- Buy a residential property;
- Build a home;
- Improve an existing home; or
- Renovate an existing home.
FMBN specifically describes its NHF facility as covering these housing purposes.
How can Nigerians check their NHF contributions?
FMBN provides digital channels through which contributors can access information about their NHF accounts. The Bank’s website also provides online registration and account services for contributors.
Important warning for applicants
Applicants should be careful of individuals who claim they can “secure” an FMBN loan in exchange for money.
FMBN’s official website carries warnings about fraudsters posing as NHF facilitation officers. Applicants should deal only with FMBN and its accredited mortgage institutions and verify any request for payment before proceeding.
FMBN’s official website provides information on its mortgage products, NHF services and application channels.
Apply Here: https://fmbn.gov.ng/products/nhf_mortgage_loan
General News
NNPC announces nationwide N66 fuel discount for fuel bought through app

By Our Reporter
The Nigerian National Petroleum Company Limited (NNPC Ltd.) has commenced a nationwide promotional campaign offering customers a ₦66 discount on fuel purchases made through its NNPC Fuel App.
The promotion, which began on October 1, will run until October 7 at NNPC filling stations across the country.
NNPC announced the initiative in a post on its X handle on Friday, saying customers had already started taking advantage of the offer at various stations.
“The ₦66 Discount Promo is ongoing & the excitement is already happening across our stations nationwide!
“All over Nigeria, our customers are getting in on the action & there’s still time for you to benefit!
The promo runs from 1–7 October on the NNPC Fuel App,” the post read.
The company said activities had commenced at several of its stations nationwide, with highlights from the first day of the promotion shared with the public.
NNPC urged motorists and other customers to continue using the Fuel App for their transactions throughout the seven-day campaign in order to benefit from the discount.
“Keep fueling, keep transacting and keep your eyes on our pages,” the post read.
The national oil company also said it would continue to release pictures and updates from participating stations as the promotion progresses.
Customers have been advised to take advantage of the offer before the promotional period ends on October 7.
The ₦66 discount applies to eligible transactions made through the NNPC Fuel App during the promotion.
General News
Hardship: Public servants begin three-day warning strike

By Our Reporter
Public servants across Nigeria have commenced a three-day warning strike following a directive by the Joint National Public Service Negotiating Council over what the workers described as worsening economic and mental hardship.
The industrial action, which began at midnight on Friday, October 2, 2026, is expected to run through Sunday, October 4.
The council directed its national and state leadership to mobilise workers for the action, with the directive contained in a circular dated October 1 and signed by the National Secretary of the JNPSNC, Olowoyo Gbenga.
The circular urged the council’s leadership to ensure that the strike notice reached workers across the country.
The decision, according to the council, followed the Federal Government’s alleged failure to respond to demands earlier presented to President Bola Tinubu in a letter dated September 21, 2026.
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Explaining the commencement of the industrial action, the council stated, “Consequent upon the above, the strike shall start with effect from midnight on Friday, 2nd October, 2026 to Sunday October 4th, 2026.”
The council called on public servants at the federal, state and local government levels to participate in the warning strike, saying the action was aimed at drawing attention to the economic difficulties confronting workers and their dependants.
It stated, “In the same vein, all public servants in the services of federal, state and local governments are to join the warning strike because an injury to one is an injury to all, most especially, all workers, their dependants, vulnerable and hapless Nigerians are groaning terribly under the present economic hardship.”
The JNPSNC further expressed concern over the impact of the economic situation on workers, saying, “The economic and mental hardships are becoming unbearable and frustrating.”
It also directed its leaders to commence immediate mobilisation for the industrial action, declaring, “The time to act and mobilise workers for the three-day warning strike is now!!!”
The warning strike comes against the backdrop of demands earlier submitted by the council to the Federal Government for measures to ease the pressure of rising living costs on workers.
Among the demands were a reduction in the price of petrol, an immediate wage award for workers and the commencement of negotiations for a new national minimum wage ahead of 2027.
The council had reportedly asked the Federal Government to bring down the pump price of petrol to N500 per litre, approve an immediate wage award and constitute a tripartite committee to negotiate a new national minimum wage.
The demands followed continued concerns over the declining purchasing power of workers amid increases in the prices of essential commodities, transportation and other household needs.
In its latest circular, the council urged its members to circulate the strike notice and expressed optimism about the outcome of the industrial action.
“Please, disseminate the information!!! Surely, there is victory for us!!!” the circular added.
The council maintained that the warning strike would proceed as scheduled, with public servants across the federal, state and local government services expected to take part.
Efforts to obtain a response from the Ministry of Labour were unsuccessful as of the time of filing this report.
General News
Olokoro Community Eulogises NDPHC MD/CEO Adighije for School Renovation, Development Projects
Johnchuks Onuanyim, Abuja
The people of Olokoro Clan in Umuahia South Local Government Area of Abia State have showered encomiums on the Managing Director and Chief Executive Officer of the Niger Delta Power Holding Company (NDPHC), Engr. Jennifer Adighije, for executing key development projects in the community, including the comprehensive renovation of a block of classrooms at Boys Secondary School, Umuoparazara.
The community described the projects as landmark interventions that have not only improved learning conditions for students but also reinforced Adighije’s commitment to grassroots development and community service.
Speaking during the commissioning of the projects on Nigeria’s Independence Day celebration, community leaders, traditional rulers, women groups and youth organisations hailed Adighije as a worthy ambassador of Olokoro whose contributions have brought honour and development to the clan.
The projects commissioned include the renovation of a classroom block at Boys Secondary School, Umuoparazara Olokoro, and the landscaping and installation of modern 3D flooring at the Olokoro Clan Headquarters Complex in Ahiaukwu.
The event attracted a large gathering of traditional rulers, government representatives, community stakeholders and indigenes who turned out to celebrate what many described as a historic day for the clan.
In his remarks, the Federated President-General of the Olokoro Clan Development Union (OCDU), Dr. Odinakachi Umekwe, commended Adighije for her dedication to the welfare of her people and for consistently identifying with the aspirations of the community.
He noted that the renovation of the school facility would significantly improve the learning environment for students and contribute to educational development in the area.
Umekwe urged community members to safeguard and maintain the facilities, while offering prayers for greater accomplishments in Adighije’s public service career.
Speaking shortly before commissioning the renovated classroom block, Adighije attributed the successful execution of the projects to God’s grace and the productive partnership between the community and government institutions.
She assured the people that her intervention in the school would not end with the renovation, announcing plans to undertake solar electrification of the classroom block as the next phase of support.
According to her, quality education remains critical to community development and nation-building, stressing that investments in educational infrastructure are investments in the future of young people.
She also pledged to continue collaborating with the leadership of the OCDU to identify and execute additional projects that would improve the living conditions of residents.
The community further applauded the NDPHC boss for her contributions to youth empowerment, employment opportunities and other initiatives aimed at improving the socio-economic wellbeing of Olokoro people.
Traditional rulers, women leaders, youth representatives and elders who spoke at the event described Adighije as a role model and a source of inspiration to younger generations, noting that her achievements in engineering, public service and community development have made the clan proud.
In an emotional response during a grand reception held in her honour at the Olokoro Clan Headquarters, Adighije thanked the people for their overwhelming support and goodwill.
She reaffirmed her commitment to serving humanity and promoting the development of Olokoro, assuring residents that she would continue to contribute her quota to the progress of the community whenever the opportunity arises.
Her father, Senator Chris Adighije, also expressed gratitude to the people of Olokoro for the honour accorded his family and pledged continued support for initiatives that would advance the development of the clan.
The event featured cultural performances by students of Boys Secondary School, Umuoparazara, and was attended by prominent traditional rulers, community leaders, women groups, youth organisations and other stakeholders from across Olokoro Clan.
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