Mortgage
Home is never just a place, it’s a connection, a legacy, a return waiting to happen. At Providus Bank, we make that connection tangible by helping you own premium real estate in Nigeria without the usual complexity.
Product Information
Our Diaspora Banking platform bridges distance with opportunity, offering seamless access to investments, real estate, and wealth management solutions in Nigeria. With a strong focus on innovation, service excellence, and global connectivity, the Bank has built a reputation for supporting Nigerians at home and in the diaspora with tailored financial solutions. Whether you are planning your return, investing in property, or building generational wealth, our Diaspora Mortgage solution is designed to bring Nigeria closer to you.
| At the heart of our Diaspora Mortgage offering is the MREIF (Mortgage and Real Estate Investment Framework), a structured ecosystem designed to simplify property acquisition while protecting your investment. | |
| ELIGIBILITY CRITERIA | |
| • Must be a Nigerian citizen (resident or in the diaspora). | |
| • Must be 18 years or older. | |
| • Must have a verifiable and steady source of income (employment or business). | |
| • Must have a good credit and repayment record with no outstanding loan defaults. | |
| • The property must be in approved urban or semi-urban areas with valid title documents | |
| REQUIRED DOCUMENTS | |
| • Current account or Diaspora account with Providus Bank | |
| • Valid means of identification (international passport, national ID, or driver’s license). | |
| • Proof of income —Pay slips for at least 6 months or audited financials (for business owners). | |
| • Statement of account (6–12 months). | |
| • Letter of employment or business registration documents (for entrepreneurs). | |
| • Property title documents (C of O, Deed of Assignment, or approved building plan). | |
| • Property valuation report from a bank-approved valuer. | |
| • Equity contribution proof (minimum 30% of property value) | |
| • Utility bill or proof of address (local or abroad for diaspora customers). | |
| • Two passport photographs | |
| BENEFITS | |
| • Flexible Financing Options | |
| • Competitive repayment interest rate of 9.75% | |
| • Tenor up to 10 years | |
| • End-to-End Support-From property selection to documentation and disbursement, we walk the journey with you. | |
| • Curated Property Portfolio as you get to choose from pre-vetted, high-quality developments across Nigeria’s prime locations. | |
| • Personalized guidance from experienced diaspora banking specialists. | |
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