I have a house valued at 30million in Okota, Lagos. the house is fully constructed, however, it is not painted, it has no white goods and no internal finishing. it is sitting on 1 and a half plot. all necessary papers are available.

Can anyone tell me if i can use the house to secure a bank loan in Nigeria? cheer

Its acceptable, but note that the collateral is not the main consideration, rather its what you need the money for.