Own Your Home in
Sokoto, Zamfara & Kebbi
Using 25% of Your Pension.
You do not need millions in personal cash savings to become a proud homeowner. Under official PenCom regulations, active workers can withdraw 25% of their Retirement Savings Account (RSA) to fund equity contributions for primary residential mortgages.
Partnering With Licensed PFAs & Primary Mortgage Institutions in Nigeria
Our Professional Services
Building Legacies, Creating Value. ASAD Realty Ltd provides end-to-end real estate development, mortgage facilitation, and accredited property management across Sokoto, Zamfara, and Kebbi State.
Pension 25% RSA Equity Contribution
Under Section 89(2) of PRA 2014, active workers can withdraw 25% of their Retirement Savings Account balance to pay the equity down payment on residential mortgages with zero personal savings liquidation.
- Minimum 60 months contributions
- Direct transfer from licensed PFAs
- Full PenCom regulatory compliance
N.H.F & Primary Mortgages
Through the National Housing Fund (NHF) administered by FMBN, we help state and federal workers secure long-term mortgage financing at subsidized single-digit rates with tenors up to 30 years.
- Up to ₦50,000,000 loan limit
- Up to 30 years flexible repayment
- Monthly salary-deducted installments
Estate Agency & Property Development
Acquisition, sales, and modern residential construction in master-planned gated estates across Sokoto, Gusau, and Birnin Kebbi featuring asphalt roads, solar street lighting, and drainage.
- Verified Certificate of Occupancy (C of O)
- 2, 3 & 4-Bedroom bungalows & duplexes
- Fully serviced residential estate plots
Project Management & Real Estate Consultancy
Strategic guidance for civil servants, corporate investors, and private homeowners. We oversee architectural designs, bill of quantities (BOQ), contractor supervision, and milestone delivery.
- Cost estimation & project budgeting
- Quality control & on-site supervision
- Regulatory approvals & building permits
Estate Surveying & Valuation
Rigorous property appraisals, asset valuations for mortgage collateral, land boundary beaconing, cadastral surveying, and title document authentication across Sokoto, Zamfara, and Kebbi.
- Mortgage collateral valuation reports
- Boundary survey & registered pillar beacons
- Land Registry search & due diligence
Estate & Facility Management
Sustaining property value and resident comfort through professional estate maintenance, perimeter security coordination, solar street lighting, waste disposal, and utility administration.
- 24/7 Gated security & access control
- Common area upkeep & solar maintenance
- Tenancy management & rent collection
Send Us a Direct Message (DM)
Reach our senior property and mortgage advisors on WhatsApp or Instagram for instant consultations.
From Pension Balance to Moving In
We handle the rigorous paperwork between your Pension Fund Administrator (PFA), PenCom, and the mortgage institution so you don't face administrative delays.
Pre-Qualification & RSA Balance Review
We verify your RSA statement, calculate your exact 25% equity figure, and review your monthly net income for mortgage capacity.
Property Inspection in Sokoto, Zamfara or Kebbi
You choose your preferred unit (Bungalow or Duplex) in one of our verified estates with guaranteed legal title and infrastructure.
PFA Application & PenCom Clearance
We submit the formal application alongside the property deed to your PFA. PenCom reviews and authorizes the 25% payment directly to the property account.
Loan Disbursement & Key Handover
The mortgage loan covers the balance, your monthly repayment begins seamlessly via payroll, and you take possession of your home!
Trusted by Northern Civil Servants Shaidar Ma'aikatan Da Suka Mallaki Gida
Real stories from verified state and federal workers in Sokoto, Zamfara, Kebbi, and Abuja who unlocked 25% of their RSA pension equity to build their family homes with zero personal savings stress. Kalaman ma'aikatan gwamnatin jiha da tarayya a Sokoto, Zamfara, Kebbi, da Abuja da suka yi amfani da kashi 25% na kudin fanshon RSA don mallakar gidajen kansu cikin sauki.
"As a Level 14 officer in the Sokoto Civil Service, I never knew 25% of my Stanbic IBTC pension could pay the full equity for a 3-bedroom bungalow near Kasarawa. ASAD Realty handled the PenCom paperwork seamlessly."
Alhaji Garba D.
Ministry of Education, Sokoto
₦3.5M Equity Unlocked"Their liaison desk near Haliru Abdu Secretariat in Birnin Kebbi guided me through merging my Leadway PFA 25% with the 6% NHF mortgage. We received keys to our home without depleting emergency savings."
Hajiya Maryam A.
State Health Mgt. Board, Kebbi
₦2.85M Equity Unlocked"I walked into their Bin Hamiz Plaza office on Sokoto Bye-Pass in Gusau with doubts. Their certified estate surveyors showed me the survey beacons and authentic title before proceeding. 100% genuine."
Mallam Ibrahim B.
Federal MDA Staff, Gusau
₦3.2M Equity Unlocked"As public sector professionals in Abuja, ASAD's liaison desk simplified the PenCom Section 89(2) compliance journey. Prompt communication, legal transparency, and zero stress."
Barr. & Dr. Usman
Public Sector, Abuja FCT
₦4.6M Equity UnlockedAre Your Documents Mortgage-Ready? Shin Takardunku Sun Shirya Karbar Gida?
Check off the documents you currently have to compute your instant Mortgage Readiness Score. You can immediately send your checklist to our desk via WhatsApp for rapid review. Duba takardun da kake da su a halin yanzu domin gano matakin shirye-shiryanka. Zaka iya tura takardun zuwa WhatsApp don samun shawara cikin sauri.
of key application requirements checked
Start Your Homeownership Journey
Take the first step toward owning your home in Sokoto, Zamfara, or Kebbi. Our accredited specialists will review your pension eligibility and prepare a customized acquisition roadmap with zero obligation.
Pre-Qualification Application
Takes less than 2 minutes to complete
Book an In-Person Office Consultation Yi Rajistar Ziyarar Ofisoshinmu
Prefer discussing your pension statement, land title verification, or property investment in person? Schedule a private appointment at any of our 4 offices. Kuna son tattaunawa ido-da-ido game da asusun fanshonku, binciken mallakar fili, ko siyan gida? Zabi ofishin da kuke so don gana da kwararrunmu.
Frequently Asked Questions
Clear answers regarding the 25% RSA Equity Scheme and mortgages in Sokoto, Zamfara, and Kebbi State.
Visit Our Corporate & Regional Offices
Meet our accredited real estate development and mortgage specialists in person across Sokoto, Zamfara, Kebbi, and Abuja FCT.
Abuja Head Office
Central Business District (CBD) & Garki Corridor, Abuja, Federal Capital Territory (FCT).
Sokoto Regional Office
Godiya Allah Plaza, Shop No. B4 Alu Fly Over, Abdullahi Fodio Road, Sokoto State.
Zamfara Office
No. 12 Bin Hamiz Plaza, Sokoto Bye Pass Road, Gusau, Zamfara State.
Kebbi Liaison Desk
Near Haliru Abdu Secretariat, Kalgo Expressway, Birnin Kebbi, Kebbi State.