Frequently Asked Questions

Why should I choose Sow Real estate?
Founded in 2013 by dynamic business leaders, Sow Real Estate has helped more than 2,000 people find their dream homes through the efforts of our dedicated employees. Our commitment towards building world class projects has been encouraged with generous investments from investors.
What is the project delivery period?
18 – 24 months from project start date.
Any payment plan permitted?
Yes. You will be given 24 - 36 months payment plan for your project with us.
What document do I get after payment?
Receipt and an Offer Letter.
Do we have projects outside Abuja ?
Currently, we do not have any projects or estates outside of Abuja, but we are working to have more estate in Lagos and other states in Nigeria.
Do I get a title document after full payment?
Yes, an individual C OF O is processed after delivering the estate.
Who will manage the estate after completion?
SOW Real Estates
Who should I contact in case I face any issues?
We have a dedicated customer care service team, which is available at your service 5 days a week from 9:00 am to 6:00 pm. You can call us (+234) 8150190009 or mail customer service at [email protected]
Who can avail housing loan?
A Nigerian-worker earning the minimum national wage and above per annum in either the public or private sectors of the economy shall contribute 2.5% of his/her basic monthly salary to the fund.
Is there provision for self-employed individuals to participate in the scheme?
Yes. The NHF Act also stipulates that self-employed individuals contribute 2.5% of his/her monthly income to the fund.
What are the documents required when applying for the loan?
Completed application form Photocopy of title documents Current valuation report on the purposed house to buy 3 years tax clearance certificate Evidence of NHF participation Copy of pay slips for the previous three months Equity contribution or personal stake of 30% , 20% or 10% depending on the loan amount applied for.
How can a low-income earner get collateral for a loan?
The only collateral required from the loan beneficiary is the property in question. No other collateral is required is needed to secure the NHF loan.
How does a contributor obtain NHF Loan?
A contributor interested in obtaining the NHF loans through Sow Real Estate, who packages and forwards the application to FMBN.