Personal Identification & KYC

• Valid Photo ID: A clear copy of your International Passport, Driver’s License, or National Identity Card (NIN).
• Proof of Address: A recent utility bill (electricity or water) from the last three months. Ensure the address matches your ID.
• Passport Photographs: Usually four recent identical color photographs.
• Birth Certificate: Or a formal declaration of age. 

Proof of Income & Employment 

• Letter of Introduction: A formal letter from your employer confirming your job title, salary, and employment status.
• Payslips: Most recent 3 to 6 months of official payslips.
• Bank Statements: Personal account statements for the last 6 to 12 months showing consistent salary inflow.
• Tax Clearance Certificate: Evidence of personal income tax payment for the last 3 years.
• For Self-Employed: Business registration (CAC) documents, 3 years of audited accounts, and tax returns. 

Property Documentation

• Offer Letter: A formal letter of sale from the property developer or vendor.
• Title Documents: A clear copy of the Certificate of Occupancy (C of O), Deed of Assignment, or Registered Conveyance.
• Approved Building Plans: Certified copies of architectural drawings and site plans.
• Valuation Report: An assessment of the property’s current market value by an approved estate surveyor. 

Mortgage-Specific Requirements

• NHF Evidence: For 6% interest loans, provide your NHF contribution passbook or evidence of at least 6 months of continuous contribution.
• Equity Contribution: Evidence that you have saved your down payment (typically 10% to 30% of the property value).
• Credit Report: A clean report from a licensed credit bureau showing no outstanding defaults. 

Special Requirements for Diaspora Applicants

• Proof of Residency: Valid work permit or residence visa in your country of stay.
• Foreign Bank Statements: At least 6 months of statements from your international bank.