Unlock 25% of Your RSA Pension for Your Dream Home Down Payment
You do not need to empty your personal bank account or take commercial loans with 28% interest. National pension guidelines allow you to withdraw 25% of your RSA balance exclusively for residential mortgage equity.
How the 25% RSA Scheme Works
A seamless 4-step framework handled in direct coordination with your PFA.
Eligibility Check
Verify that your RSA account has at least 60 months (5 years) of active contributions and an up-to-date Data Recapture status with your PFA.
Property Selection
Select a verified, mortgage-approved property in ASAD Realty estates across Abuja, Sokoto, Zamfara, or Kebbi with guaranteed title.
Dossier Submission
Our team compiles your offer letter, valuation report, payslips, and NHF credentials, and lodges the request with your PFA and PenCom.
Direct Disbursement
Your PFA transfers the exact 25% equity sum directly to the designated escrow/mortgage bank. You receive key handover to your new home!
Frequently Asked Questions
Does this reduce my pension when I retire?
Yes, 25% is withdrawn from your current RSA balance. However, the remaining 75% continues to earn compound investment returns with your PFA, while you secure a physical real estate asset whose capital appreciation far outpaces regular inflation.
Who is eligible to apply?
Both public sector workers (Federal and State Civil Servants) and private sector formal employees who have contributed to a licensed PFA for at least 60 months (5 years) and are at least 3 years away from mandatory retirement.
Can married couples combine their 25% RSA balances?
Yes! PenCom guidelines permit spouses to pool their 25% RSA balances together to co-own a property and meet the required equity for higher-value homes or duplexes.