Frequently Asked Questions

The NiDCOM/FMBN Diaspora Mortgage Scheme is designed to help eligible Nigerians living and working abroad access mortgage financing for home ownership in Nigeria.

The scheme is intended for Nigerians living in the Diaspora who meet the eligibility requirements, including NiDCOM verification, verifiable income and the applicable National Housing Fund (NHF) requirements.

Visit the official application portal and create an account. After registration, log in and complete the required application information.

Yes. The application process is online and is designed to allow eligible Nigerians in the Diaspora to apply from their country of residence.

Applicants may be required to provide documents including:

• Valid Nigerian International Passport
• Recent passport photograph
• Proof of residence or resident permit
• Recent payslips
• Bank statements
• Employment verification or letter from employer
• Business registration documents for self-employed applicants
• Credit history or credit report
• Other supporting documents requested during verification

Your application and supporting information will be reviewed for verification. Once your status as an eligible Nigerian in the Diaspora has been confirmed, you will be informed of the next steps required to proceed with the mortgage process.

NiDCOM verification confirms the applicant's identity and eligibility as a Nigerian living in the Diaspora. This verification is an important part of the mortgage application process.

Once your NiDCOM verification is successfully completed, you will receive instructions on how to proceed with the Federal Mortgage Bank of Nigeria (FMBN) registration and mortgage process.

Yes. Participation in the National Housing Fund is part of the eligibility requirements for the Diaspora Mortgage Scheme. Applicants who do not already have an NHF number will be guided through the appropriate registration process.

The applicable contribution period depends on your contribution category. Under the published scheme terms, eligibility periods may range from 6 to 12 months depending on the applicant's category.

The published terms of the scheme provide for a maximum loan amount of up to ₦50 million, subject to the applicant's income, affordability assessment and other applicable requirements.

The published scheme terms provide for an interest rate of 9% per annum, subject to the applicable terms and conditions.

The mortgage may have a repayment tenor of up to 10 years, subject to the applicant's eligibility, age, affordability and applicable FMBN requirements.

Yes. A spouse's income may be considered as additional income when determining the applicant's affordability, subject to the applicable requirements.

Yes. Self-employed applicants may apply, but they will be required to provide evidence of their business registration and other documents demonstrating their income and financial capacity.

Use the Check Application Status option on the application portal and provide the requested application information.

Pending means your application is still undergoing review or verification. No further action may be necessary unless you receive a request for additional information or documentation.

Log in to your account and provide the requested documents as soon as possible. Ensure that uploaded documents are clear, valid and contain information that matches the details provided in your application.

Incorrect or inconsistent information may delay verification. Applicants should ensure that their names, passport information, contact details and supporting documents are accurate before submission.

Where the portal permits changes, you may update the relevant information. If an application is already under review and an important correction is required, contact the appropriate support team for assistance.

No. Creating an account or submitting an application does not constitute mortgage approval. Applications remain subject to NiDCOM verification, NHF requirements, affordability assessment, documentation and FMBN's applicable approval process.

NiDCOM's role includes verification of eligible Nigerians in the Diaspora. The mortgage financing process is undertaken through the Federal Mortgage Bank of Nigeria and other approved institutions where applicable.

Property eligibility is subject to the requirements of the mortgage scheme, FMBN and, where applicable, participating Primary Mortgage Banks (PMBs). Applicants should obtain approval before making commitments based on an expected mortgage.

The published terms indicate a proposed retirement age of 70 years. The applicant's age may therefore affect the available mortgage repayment period.

Applicants will be notified through the contact information provided during registration and/or through their application account. You should also regularly check your application status on the portal.

Use the password recovery option provided on the portal. Ensure you have access to the email address used when creating your account.

Applicants should maintain one valid application unless specifically instructed otherwise. Duplicate applications may delay verification and processing.

Provide complete and accurate information, upload clear and valid documents, regularly check your email and application status, and respond promptly to requests for additional information.

Applicants should review the Terms & Conditions available on the NiDCOM/FMBN Diaspora Mortgage application portal before applying.

Applications can be started through the official NiDCOM/FMBN Mortgage Scheme portal.