By
Fidelis Jockthan
The Organized Labour in Adamawa State, has announced a landmark approval by Governor Ahmadu Umaru Fintiri to adjust the deduction base for the National Housing Fund (NHF) contributions from Basic Salary to Gross Salary, effective June 2026.
This development, confirmed in a circular issued by the Acting Chairman of Organized Labour, Comrade Usman Babbada, aligns the state with the NHF Act of 1992 (as amended) and brings Adamawa into full compliance with Federal Mortgage Bank of Nigeria (FMBN) regulations.
According to the circular addressed to all Chairmen and Secretaries of Organized Labour, the new deduction model is designed to significantly enhance workers’ access to affordable housing loans.
By calculating contributions on the entire Gross Salary rather than the Basic Salary, workers will see an increase in their monthly NHF deductions.
“The approval follows our engagement with the State Government to ensure Workers’ contributions qualify them for higher Mortgage loans under the NHF Schemes,” the statement read.
The key benefits outlined for workers as contained in the circular include;Higher Loan Ceilings: NHF loan qualification is directly tied to cumulative contributions. Higher monthly deductions will consequently increase the loan ceiling for workers seeking mortgages, Faster Equity Building: Increased contributions will allow workers to build equity more quickly, thereby shortening the repayment period for housing loans.
The circular further emphasized that the decision is a pro-worker initiative by the Fintiri-led administration, reinforcing the government’s commitment to workers’ welfare.
The deduction is set to commence with the June salary, as directed by the Office of the Accountant General.
“We appreciate the Governor’s workers-friendly disposition,” Comrade Babbada stated. “This is a significant step forward in strengthening workers’ access to affordable housing.”
All union leaders have been directed to immediately inform their members of this development and provide necessary guidance.
