Mortgage calculator: This tool runs entirely in your browser. Results are illustrative only — no data is saved or sent to GetHome.NG servers.

Mortgage tools (₦)

Defaults reflect illustrative Nigerian ranges (≈₦80–150M purchase, 20–30% down, ~18% commercial rate, 10–20y tenor). Not an offer from a bank — confirm NHF eligibility and bank terms separately.

Monthly payment calculator

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₦

0.0% of home price

₦

LTV: 0.0%

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₦
₦

Payment summary

Principal & interest₦0
Land use charge₦20,833
Insurance₦33,333
Service charge₦150,000
Total monthly₦0

Talk to a lender

Use this as a planning tool, then confirm NHF or commercial bank eligibility with a licensed provider.

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Illustrative product types

Placeholder cards — not live rate quotes. FHA / VA / ARM products do not apply in Nigeria.

NHF (illustrative)

~12%

Up to ~30 years

National Housing Fund member rates vary by eligibility

Commercial bank — fixed

~18%

10–20 years

Typical private-sector mortgage range; confirm with lender

Commercial bank — shorter term

~16.5%

5–10 years

Shorter tenor often means higher monthly payment

Developer / equity finance

~20%

Negotiated

Placeholder for off-plan payment plans — not a bank mortgage

Tips for Nigerian buyers

First-time buyers

  • • Plan for 20–30% equity where banks require it
  • • Check NHF membership if you contribute to the Fund
  • • Budget land use charge and estate service charge
  • • Verify title (C of O / Governor's Consent) early

Refinancing

  • • Compare commercial bank offers; rates move often
  • • Model break-even after fees and legal costs
  • • Shorter tenors cut interest but raise monthly outlay
  • • Ask your agent for lender introductions — not credit-score US framing