Your NHF Savings Are Waiting: How to Claim Your Full Refund
Every public servant contributes 2.5% of basic salary to the National Housing Fund. When you retire, resign, or reach 50, you can claim your full contributions plus 2% interest per year. First, confirm your NHF record with the Federal Mortgage Bank of Nigeria. Visit any state office or use the online portal to request your NHF Statement of Account. Correct any errors in your name, service number, or deductions before applying. Prepare these documents: NHF Form 1, retirement letter, IPPIS stoppage letter, valid ID (National ID, driver’s license, or passport), BVN printout, bank statement, two passport photos, and your NSCDC ID card. Submit at any FMBN state office near you. Processing usually takes 30–90 days. If you face delays, write to FMBN Customer Care and copy the CBN Consumer Protection Department. The application is free and there’s no deadline to claim your NHF balance.
Stories are shared by community members. This article does not represent the official view of NaijaWorld — the author is solely responsible for its content.

