Civil servants in Nigeria can now access higher housing loans following a new directive from the Office of the Head of the Civil Service of the Federation (OHCSF). The upward review is designed to help more government workers own homes and improve their living standards.
The policy adjustment, announced in a circular dated October 24, 2025, was signed by the Head of the Civil Service of the Federation, Mrs. Didi Esther Walson-Jack, OON, mni. The circular, referenced HCSF/3065/VOL.I/225, was addressed to top government officials, including Ministers, Permanent Secretaries, Service Chiefs, and Heads of Federal Agencies.
According to Walson-Jack, the revised housing loan ceilings under the Federal Government Staff Housing Loans Board (FGSHLB) reflect the administration’s strong commitment to enhancing the welfare of public servants.
“In line with the government’s dedication to improving the well-being of its workforce, the ceiling for housing loans under the FGSHLB has been reviewed upward,” the circular stated.
New Loan Limits by Salary Grade Level
The revised loan structure shows significant increases across various Salary Grade Levels (SGL):
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SGL 03–04: ₦5 million
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SGL 05–07: ₦6 million
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SGL 08–10: ₦10 million
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SGL 12–14: ₦12 million
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SGL 15–16: ₦12 million
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SGL 17: ₦14 million
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Permanent Secretaries: ₦25 million
For building loans, the ceilings also range from ₦5 million for lower cadre officers to ₦25 million for Permanent Secretaries.
Additionally, a Special Housing Scheme was introduced. Under this scheme, officers on SGL 08–14 can access up to ₦20 million, while Permanent Secretaries can obtain as much as ₦40 million.
