’Yan Najeriya na iya samun damar karbar lamunin gidaje daga Bankin Lamuni na Gidaje na Tarayya (FMBN) ta hanyar Asusun Gidaje na Kasa (NHF), domin sayen gida, gina sabon gida ko gyara wanda suke da shi.
A halin yanzu, shirin NHF Mortgage Loan na bai wa masu bayar da gudummawar NHF damar samun lamuni har zuwa Naira miliyan 50, gwargwadon karfin biyan bashin da kuma darajar gidan. Ana karbar lamunin ne da riba da ba ta wuce kashi shida cikin 100 a shekara, yayin da mafi tsawon lokacin biyan bashin ya kai shekaru 30.
Domin samun lamunin, dole ne mutum ya kasance dan Najeriya mai shekaru 18 ko sama da haka, ya kasance mai bayar da gudummawa ga NHF na akalla watanni shida a jere, sannan ya kasance yana da tabbataccen hanyar samun kudin shiga. Haka kuma, dole ne a nemi lamunin ta hannun bankin jinginar gidaje na farko (Primary Mortgage Bank) ko wata cibiyar bada lamuni da FMBN ta amince da ita.
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Mai neman lamunin zai fara tabbatar da matsayin asusun NHF dinsa, sannan ya zabi wata cibiyar jinginar gidaje da FMBN ta amince da ita domin samun fom da sauran bayanan da ake bukata. Daga cikin takardun da ake iya bukata akwai shaidar gudummawar NHF, bayanan albashi ko kudin shiga, takardun mallakar fili ko gida, rahoton tantance darajar kadarar da kuma adadin kudin da ake bukata dan sayen ababen gini (Bill of Quantities) idan ana neman kudin gina gida.
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Bayan an gabatar da takardu, bankin jinginar gidajen zai tantance karfin mai nema na biyan bashin da kuma sahihancin takardun kadarar. Daga nan za a gudanar da binciken shari’a da tantance darajar gidan kafin amincewa da lamunin da kuma fitar da kudin domin manufar da aka amince da ita. Masu neman lamuni kuma su yi hattara da masu damfara da ke ikirarin za su taimaka musu su samu lamuni ta hanyar karbar kudi, domin FMBN na gargadin jama’a da su yi hulda da hukumomin da aka amince da su kawai.
Don fara nema ko duba bayanan shirin, za a iya ziyartar shafin hukuma na FMBN: https://fmbn.gov.ng/products/nhf_mortgage_loan