Fiji National Provident Fund

As a member of FNPF you are entitled to:

Build a house with a minimum amount of $10,000.00 either solely or jointly if there are multiple applicants applying for the same project.

Extend or Renovate with a minimum amount of $5,000.00 either solely or jointly if there are multiple applicants applying for the same project.

Quick Repairs with a maximum amount of $5,000.00. You may re-apply after a period of 3 years from the last payment date.

Access your General Account to purchase a land or dwelling house or extending, renovating, reducing or paying off a home loan by way of investment provided the property is registered under your name.

Things to Know Before You Proceed

You must have sufficient General Account Balance.

An early withdrawal will reduce your General Account balance and will also reduce your retirement funds when you reach the age of 55.

What if my General Account is not Enough, Can I Access My Preserved Account?

You may access your Preserved Account ONLY if it is your first housing application to build a house.

The maximum limit you can access is 21% of your Preserved Account balance.

This would mean that the total amount that you withdraw would be 51% of your total balance (GA [30%] + PA [21%]).

Your General Account balance will remain at zero until your Preserved Account has been filled OR 5 years has passed from the month you made the housing withdrawal.

You can only use your Preserved Account once.

Housing Withdrawals Before 1st November, 2014

If you had made a housing withdrawal before the 1st November,2014 with an amount less than $5,000.00, you may also access your Preserved Account for purchasing a vacant land or purchasing a house or building a house.

Village or Mataqali or Community Trust Housing

Here are the options available for you as a member if you live in a village or Mataqali land or community trust or if you are thinking of starting out in one.

Options	Min or Max Limit You Can Request
Build A Home	Min. $10,000.00
Make Quick Repairs	Max. $5,000.00
Extend Your Home	Min. $5,000.00
Renovate Your Home	Min. $5,000.00
Electrification Installation	Depending on Project Cost
Installation of Solar System	Depending on Project Cost
Installation of Water Tanks	Depending on Project Cost

Option 1 – Build A Home

If you plan to build your home using only your FNPF money. You will need to submit the following details to us:

#	Document	Description
1	Building Plan	Stamped by the Ministry of Provincial Development and National Disaster Management.
2	Quantity Surveyor Report or Civil Engineer’s Report	Report has to be detailed. Must show the scope of work, estimated cost and completion stage. This is only if the total cost of building your home is more than $10,000.
3	Two (2) quotations from General Contractors	Quotes have to be from reputable registered contractors. Must show the breakdown of the project in stages with the cost of each stage.
4	Two (2) quotations for building materials	Quotes have to be from reputable hardware suppliers. This is only if you are going to build your own home.
5	Two (2) quotations for labour	This is only if you are going to build your own home.
6	Evidence of your contribution.	This can be your bank statement OR Receipts for materials already purchased OR Photos showing materials onsite OR Photos showing work in progress
7	Bank Statement	A month old Bank Account should be under your name.
8	FNPF 9V02 Form	Completed Form

Option 2 – Make Quick Repairs

You may use your General Account to make quick repairs to your home. You will have to give the following information:

#	Document	Description
1	Two (2) quotations for building materials	Quotes have to be from reputable hardware suppliers
2	One (1) quotation for labour	Your labour and transportation costs must not be more than 30% of the total cost of the repairs.
3	Four (4) photographs	Showing the four sides of your home. Signed by the Turaga ni Koro if your home is within the village boundary OR Signed by the Head of the Landowning Unit if your home is to be in a Mataqali land OR Signed by the Head of Trustee if your home is to be in a community trust land.
4	Bank Statement	A month old Bank Account should be under your name.
5	FNPF 9V02 Form	Completed Form

Option 3 – Extend Your Home

If you want to extend your home, you must provide us with the following details:

#	Document	Description
1	Extension Plan	Stamped by the Ministry of Provincial Development and National Disaster Management.
2	Quantity Surveyor Report or Civil Engineer’s Report	Report has to be detailed. Must show the scope of work, estimated cost and completion stage. This is only if the total cost of building your home is more than $10,000.
3	Two (2) quotations from General Contractors	Quotes have to be from reputable registered contractors. Must show the breakdown of the project in stages with the cost of each stage.
4	Two (2) quotations for building materials	This is only if you are going to extend your own home. Quotes have to be from reputable hardware suppliers.
5	Two (2) quotations for labour	This is only if you are going to extend your own home.
6	Evidence of your contribution.	This can be your bank statement OR Receipts for materials already purchased OR Photos showing materials onsite OR Photos showing work in progress
7	Four (4) photographs	Showing the four sides of your home. Have to be signed by the Turaga ni Koro if your home is within the village boundary. Have to be signed by the Head of the Landowning Unit if you home is to be in a Mataqali land. Have to be signed by the Head of Trustee if your home is to be in a community trust land.
8	Bank Statement	A month old Bank Account should be under your name.
9	FNPF 9V02 Form	Completed Form

Option 4 – Renovate Your Home

If you want to renovate your home and use your FNPF money, you will need to provide us with the following details:

#	Document	Description
1	Quantity Surveyor Report or Civil Engineer’s Report	Report has to be detailed. Must show the scope of work, estimated cost and completion stage. This is only if the total cost of building your home is more than $10,000.
2	Two (2) quotations from General Contractors	Quotes have to be from reputable registered contractors. Must show the breakdown of the project in stages with the cost of each stage.
3	Two (2) quotations for building materials	This is only if you are going to do the renovation. Quotes have to be from reputable hardware suppliers.
4	Two (2) quotations for labour	This is only if you are going to do the renovation.
5	Evidence of your contribution.	This can be your bank statement OR Receipts for materials already purchased OR Photos showing materials onsite OR Photos showing work in progress
6	Four (4) photographs	Showing the four sides of your home. Have to be signed by the Turaga ni Koro if your home is within the village boundary OR Have to be signed by the Head of the Landowning Unit if you home is to be in a Mataqali land OR Have to be signed by the Head of Trustee if your home is to be in a community trust land.
7	Bank Statement	Bank statement must be a month old. Bank Account should be under your name.
8	FNPF 9V02 Form	Completed Form

Option 5 – Electrification Installation

You have to be a legal owner of the property and give us the following information:

#	Document	Description
1	Permit	Approved by FEA
2	Two (2) quotations from Electrical Contractors	Quotes have to be from registered Electricians Must show the breakdown of the project in stages with the cost of each stage.
3	Two (2) quotations of materials	Must be from different hardware/electrical suppliers.
4	Bank Statement	A month old Bank Account should be under your name.
5	FNPF 9V02 Form	Completed Form

Option 6 – Installation of Solar System

#	Document	Description
1	Two (2) quotations from Electrical Contractors	Quotes have to be from registered Electricians Must show the breakdown of the project in stages with the cost of each stage.
2	Two (2) quotations of solar system.	If applicable.
3	Bank Statement	A month old Bank Account should be under your name.
4	FNPF 9V02 Form	Completed Form

Option 7 – Installation of Water Tanks

#	Document	Description
1	Two (2) quotations for Water Tank	The quotes have to be from reputable hardware suppliers. The quotes can include installation costs.
2	Two (2) quotations of Installation	If the installation is done separately.
3	Four (4) photographs	Showing the four sides of your home. Have to be signed by the Turaga ni Koro if your home is within the village boundary OR Have to be signed by the Head of the Landowning Unit if you home is to be in a Mataqali land OR Have to be signed by the Head of Trustee if your home is to be in a community trust land.
4	Bank Statement	A month old Bank Account should be under your name.
5	FNPF 9V02 Form	Completed Form