₦airaland Forum

*Step-by-Step Guide:* How to Secure a SCRAMP Land Grant
Securing a Grant of Use for setbacks, common areas, or roadsides in Lagos involves a structured 6-step process

*Follow these instructions to ensure your application is successful:*
Step 1: Online Application
Begin by applying via the official portal. Once submitted, send us your reference number(s) immediately. This allows us to track and fast-track the processing of your application through the relevant government departments.

Step 2: Design and Layout Submission
You are required to provide professional architectural designs and site layouts for your proposed use of the space. These must clearly show how you intend to utilize the land while adhering to Lagos State urban standards.

Step 3: Government Review & Approval
Your application and designs will be reviewed by the Ministry of Physical Planning & Urban Development (MPP&UD). Upon approval, the specific type of grant will be determined based on your project type. Common grants include:
TOL (Temporary Occupation License)
Long-term Lease
Quasi-Certificate of Occupancy
CofO (Certificate of Occupancy)

Step 4: Payment of Fees
Once the grant type is confirmed, an official bill will be generated.
Statutory Payments: You must pay the specified amounts directly into the Lagos State Government (LASG) accounts as provided in your billing assessment.
Service Fees: Additionally, a fee representing 10% of the total bill amount is payable to Octragon. This covers essential legal and facilitator services required to finalize the grant.

Step 5: Collection of Grant Documents
After all payments are verified, you will be issued your formal Grant of Use document from the MPP&UD/Lands Bureau. At this stage, you will also sign a "Caveat/Limitation Undertaking," which outlines your legal responsibilities as a land user.

Step 6: Digitalization
The final step is to ensure your document is uploaded to the e-GIS/LASISMA platform. Digitalization protects your grant status, prevents encroachment, and ensures your space is officially recognized in the state's digital land registry.

*Important Terms and Conditions (Caveats)*
Annual Renewals: Regardless of the grant type, an annual renewal charge is mandatory to keep your lease active and valid.

e-GIS Updates: Your data must be updated on the e-GIS platform during every renewal cycle to maintain compliance.

Government Recall: While rare, if the Government requires the land for a predetermined public use, a renewal may be declined. In such instances, an alternative SCRAMP location will be provided.

Usage Compliance: The land is monitored year-round. The space must be used strictly for the purpose approved by the Ministry; unauthorized use may lead to immediate revocation of the grant.

Pro-Tip: Engaging a licensed surveyor during Step 1 is highly recommended to ensure your area measurements align perfectly with official government records, avoiding delays during the review phase.

Warm Regards
Nnendu Homes
09058613507

PARTNER WITH PROJECT SCRAMP

Attention: Estate Surveyors & Agents. Lagos State (MPPUD) has launched the Setbacks, Common Areas, and Roadsides Administration and Monitoring Project (SCRAMP). We are officially inviting professional firms to act as Facilitators in this massive regularization exercise.

Help your clients secure formal titles for their occupied setbacks and protect them from upcoming enforcement.

WHY BECOME A FACILITATOR?
New Revenue Stream: Add "Regularization Services" to your firm’s offerings.

Client Protection: Secure your clients' assets during the 3-month grace period.

Official Recognition: Earn status as an authorized project intermediary.

SCHEDULE YOUR BRIEFING
Visit our office for a physical orientation and onboarding session.
Contact: Mr. Chinwendu
Call/WhatsApp: 09058613507
Web: https://scrampforlagos.com

FAQ
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‎🏡 Urban Grove Estate – Frequently Asked Questions (FAQs)
‎
‎Everything you need to know before securing your luxury 4-bedroom duplex.
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‎1. Where is Urban Grove Estate located?
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‎Urban Grove Estate is located in Arepo, just 10 minutes from Magodo Phase 1, and easily accessible via the Lagos–Ibadan expressway. It’s a fast-growing, secure, family-friendly environment surrounded by premium residential estates.
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‎2. What type of home is available?
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‎A luxury 4-bedroom detached duplex with:
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‎Two living rooms
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‎Master bedroom En-suite
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‎3 Other rooms all en-Suite
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‎Modern fully fitted kitchen
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‎Parking for 3 cars
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‎Premium finishing
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‎Gated, serviced estate with 24/7 security
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‎3. What is the total price of the home?
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‎The full selling price is ₦79M.
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‎4. How does the equity & mortgage plan work?
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‎You secure your home with:
‎✅ ₦8M deposit
‎✅ ₦2M × 8 months = ₦16M
‎This completes your ₦24M equity requirement.
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‎The remaining ₦55M is financed by the partner bank through a 1-20-year mortgage at 9.75%.
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‎5. What happens after I pay the ₦24m?
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‎Once your equity is complete:
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‎1. Mortgage processing begins
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‎2. The bank disburses the balance
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‎3. Construction is completed
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‎4. You take possession and move in
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‎5. You start paying your monthly mortgage to the bank
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‎6. How much is my monthly mortgage repayment?
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‎It actually depends on how long you want to pay back. For a ₦55M mortgage at 9.75% interest spread over 20 years, your monthly repayment is approximately:
‎
‎👉 ₦475,000 – ₦515,000 per month
‎(depending on final bank computation)
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‎This is similar to what many Lagos residents already pay for rent.
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‎7. Can I pay off the mortgage early?
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‎Yes. You can fully or partially repay the mortgage early without penalty.
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‎8. Can I start living in the house before finishing the mortgage?
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‎Yes! You move in once the house is delivered.
‎The bank pays the developer, and you pay the bank monthly.
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‎9. What if I miss a payment?
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‎The bank provides a grace structure. Repeated delays attract small penalties, but no one takes your house without long notice and restructuring options.
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‎10. What if I don’t have a salary?
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‎You may still qualify if you:
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‎Own a business
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‎Have stable income inflow
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‎Can provide 6–12 months bank statements
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‎Have a guarantor (if required)
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‎The bank evaluates your ability to pay, not just your job type.
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‎11. Can joint applications apply? (Husband & Wife)
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‎Yes. Joint applications often increase mortgage approval chances and reduce risk.
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‎12. Can diaspora Nigerians access the mortgage?
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‎Yes!
‎If you earn abroad, you stand an even higher chance of approval and can complete all processes remotely.
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‎13. Is the estate safe?
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‎Yes. Urban Grove Estate has:
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‎24/7 security
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‎Controlled gate access
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‎CCTV
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‎Estate patrol
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‎Strict visitor entry protocols
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‎14. What is the construction timeline?
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‎Once equity is completed and mortgage approved, construction takes 6–9 months.
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‎15. What documents will I receive?
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‎You receive:
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‎Offer letter
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‎Deed of assignment
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‎Survey plan
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‎Contract of sale
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‎Receipt of payments
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‎Building plan
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‎16. Is this a government-backed mortgage?
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‎Yes. The mortgage is provided by Government through The Ministry Of Finance Real Estate Investment Funds managed by ARM Investment with disbursement made through a regulated and partner PMI or Nigerian commercial bank with CBN-compliant underwriting.
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‎17. Can I rent out the house?
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‎Absolutely yes. You fully own it, even while paying your mortgage. Rental income can also help you cover your monthly repayment.
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‎The duplex was actually designed in a way that allows you convert to a 3 bedroom flat upstairs independent of another 2 bedroom flat down stairs. Without any structural alterations to the building. You rent out the ground floor at today's rental value in the area for N2.5m to reduce your mortgage repayment burden. While you live in the 3 bedroom flat upstairs.
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‎18. What happens if construction delays occur?
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‎You receive:
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‎A new delivery date and if it extends too much you get a compensation for it.
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‎Periodic project updates
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‎Compensation where applicable (depending on contract terms)
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‎19. What other fees should I expect?
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‎Other charges includes
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‎Development levy (if applicable)
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‎20. How do I get started?
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‎Send “I’M READY” and you’ll receive:
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‎Scheduled inspection date.
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‎Payment instructions
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‎Mortgage assessment guide/checklist
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‎Document checklist
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‎Your personalized onboarding consultant
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*Affordable 4-Bedroom Detached Duplex for Sale*

Located in Voera Estate, Arepo

*Key Features:*

- 4-bedroom fully detached duplex
- Can be converted to:
- Block of 3-bedroom flat and 2-bedroom flat
- Mortgage facility available through MREIF

*Pricing:*

- Total Price: ₦79 million
- Down Payment (MREIF Mortgage Facility): ₦29 million

*Flexible Payment Plan:*

Both the total price (₦79 million) and down payment (₦29 million) can be paid in installments over 9 months.

*Limited Offer:*

This offer is valid for the first 20 subscribers. The project is ongoing, so secure your spot today!

For inquiries Chat us on WhatsApp. https:///qr/KLUETIL5L3K6I1

The Reward (Proportionate Salvation): When the walls of Jericho fell, Rahab and her entire household were proportionately saved and incorporated into the people of God.
Her reward was not just personal salvation, but the salvation of all who sheltered under her roof—a full, comprehensive deliverance based on her singular act of faith.
Key Takeaway: God honors genuine faith, even when it is shown through simple, courageous, and risky action. A proportionate reward applies to deliverance and eternal belonging as well.
III. The Principle of Eternal Motivation (2 Corinthians 5:6-15)
The Ultimate Destination: This passage lifts our eyes from earthly rewards to the eternal ones.
Living by Faith (v. 7): We "walk by faith, not by sight." Our life is an act of trust in an unseen Christ.
The Aim (v. 9): "Therefore we make it our aim, whether present or absent, to be well pleasing to Him."
This is our singular motivation: to live a life that delights our compassionate Savior.
The Examination (v. 10): "For we must all appear before the judgment seat of Christ..."
We will receive "what is due for what he has done in the body, whether good or bad."
The Proportionate Nature: Every word, deed, sacrifice, and moment of faithfulness done in the name of Christ will be brought forward. The reward will perfectly match the measure of our devotion to pleasing Him.
Conclusion: Living in Light of the Reward
Review: We saw the justice of reward in the Parable (Stewardship); the power of reward in Rahab’s story (Faith & Action); and the certainty of reward in Paul’s letter (Eternal Motivation).
Application: Christ is a compassionate God who assures us: Your work is not in vain.
Are you burying the minas (gifts) He gave you out of fear?
What simple act of faith (like Rahab) is He calling you to take today?
Are you living to please Him, knowing that everything you do in His name is recorded for a Proportionate Reward?
Benediction: Let us walk with hope, assurance, and diligence, fixed on the co

Introduction: The Universal Desire for Justice
Hook: We instinctively understand the concept of a proportionate reward. If we work for an hour, we expect an hour's wage. We want fairness.
Thesis: The Kingdom of God operates on this exact principle, but with infinite grace. God ensures that every act of faithfulness, every ounce of effort, and every display of genuine faith in Christ receives a Proportionate Reward. Our actions matter, both now and eternally.
I. The Principle of Stewardship and Effort (Luke 19:11-27)
The Setting: The Parable of the Minas (or Talents in Matthew). The nobleman entrusts his servants with resources before leaving.
The Expectation: The servant is given a "mina" (a basic unit of currency) and told, "Do business with this until I come back."
This represents the gifts, resources, time, and opportunities God gives us.
The Reward (Proportionate Response):
The servant who made ten minas is rewarded with authority over ten cities.
The servant who made five minas is rewarded with authority over five cities.
Key Takeaway: God's reward is proportionate to the faithfulness and effort demonstrated by the steward. The reward is not just for having the resource, but for using it diligently for the Master's gain. We are accountable for what we have been given.
II. The Principle of Faith and Action (Joshua 6:22-25)
The Contrast: We shift from a parable of finance to a true historical act of faith during a time of judgment.
Rahab's Status: Rahab was an outsider, a resident of Jericho—a city utterly doomed to destruction. In her world, she was Babylon.
Her Action (The Act of Faith): She chose to believe in the God of Israel and, at great personal risk, hid the Israelite spies.
The Reward (Proportionate Salvation): When the walls of Jericho fell, Rahab and her entire household were proportionately saved and incorporated into the people of God.
Her reward was not just personal salvation, but the

🏡 Renovated 3-Bedroom Flat for Sale
📍 River Valley Estate, Ojodu, Lagos

Looking for a stylish and secure home in Lagos? This beautifully renovated 3-bedroom flat in River Valley Estate offers:

✨ Key Features:
- Spacious living and dining areas
- 3 well-ventilated bedrooms
- Modern bathrooms with sleek fittings
- Fully equipped kitchen
- Dedicated parking space
- Gated estate with 24/7 security

💼 Ideal for families, professionals, or investors seeking a prime location.

📸 See photos and explore more listings online:
👉 View Property on EstateAgentLagos.ng

📲 Message Nnendu Homes on WhatsApp for inquiries or to schedule a viewing:
👉 Click to chat
Message https:///2347067916243

🏡 3-Bedroom Flats for Sale in Ipaja, Lagos – Affordable & Newly Built

Looking for affordable real estate in Lagos? These brand-new 3-bedroom flats in Ipaja offer the perfect blend of comfort, space, and modern living — ideal for families, professionals, and investors.

✅ Property Features:
- 3 spacious bedrooms with natural lighting
- Modern bathrooms with quality fittings
- Fully fitted kitchen with cabinets and appliances
- Secure compound with gated access
- Dedicated parking space
- Located in a fast-developing area of Ipaja, Lagos

📍 Location: Ipaja, Lagos

💰 Status: For Sale

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🔗 View Full Property Listing
Explore photos, pricing, and full details here:
👉 https://www.estateagentlagos.ng/property/EGSNK6D/brand-new-3-bedroom-flats-at-ipaja-lagos-nigeria-for-sale

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📲 Contact Nnendu Homes Directly on WhatsApp
Schedule a viewing or ask questions instantly:
👉 https:///2347067916243

🏡 FOR SALE: Brand-New 4-Bedroom Duplex in Ikoyi, Lagos

✨ Discover luxury and comfort in this pristine 4-bedroom home featuring:
- 🛏️ 4 Spacious Bedrooms
- 🧑‍🦱 2 Fully Detached BQs for staff or guests
- 🛋️ Expansive Living Areas for Relaxation
- ✨ Fully Fitted Modern Kitchen with Top Finishes
- 🅿️ Generous Parking in an Upscale Community

📍 Location: Ikoyi, Lagos
💰 Status: For Sale

👇 Get full details, photos & pricing:
🔗 https://www.estateagentlagos.ng/property/EGSNK6D/brand-new-4-bedroom-duplex-with-2-bq-at-ikoyi-lagos-nigeria-for-sale

📲 Message Nnendu Homes on WhatsApp:
👉 https:///2347067916243

RealEstateLagos #LuxuryHomesIkoyi #PropertiesForSale #NnenduHomes

WHY PAY N300m FOR MAGODO, WHEN YOU CAN OWN A TITLED LAND JUST 10MINs AWAY...FOR ₦25m, SPREAD OVER 6 MONTHS WITHOUT INTEREST❗

🎁 PLUS, GET OVER ₦14M WORTH OF BUILDING SUPPORT 🎁.
(Ends July 30th)

🏡 Tired of Outrageous Land Prices in Magodo?

👉 While a single plot of land in Magodo is now selling for around ₦300 Million,
you can own secure, titled land just 10 minutes away at Urban Grove Estate Arepo… for only ₦25 Million per 500sqm OR ₦15 Million per 300sqm
(With Flexible Payment Plans Over 6 Months)

But here’s the REAL kicker…

If you make your Early Bird Payment on or before July 20th,
you’ll get ₦14.2 Million Worth of Building Bonuses Absolutely FREE😳😧:

✅ Free Legal Documentation – (Worth ₦2.5M)
✅ Free Custom Architectural Drawings – (Worth ₦700K)
✅ Free 300–500 Blocks for Your Block Work – (Worth ₦300K–₦500K)
✅ Free 100 Bags of Cement for Your Foundation – (Worth ₦1M)
✅ Sandfilling & Full Land Preparation – (Worth ₦8M)
✅ Priority Plot Selection Before Others
✅ Extra 6% Discount on Plot Price – (Saving You ₦1.5M)
✅ Free Step-by-Step Building Guide From Land to Roofing – (Priceless!)

📈 After July 30th, Price Increases To:
₦35M for 500sqm
₦21M for 300sqm

🌍 Location Advantage:
Urban Grove Estate is only 10 minutes from Magodo
– Same road network
– Easy commute
– Major development corridor
– Rising property value!

Why pay ₦300M for Magodo when ₦25M gets you your own plot just 10 minutes away… PLUS over ₦14M in building support bonuses?!

✅ Flexible Payment Plans
✅ Full Allocation Guarantee (or your money back)
✅ Fast Infrastructure Development Already Ongoing

Click below to chat with our Sales Team NOW on WhatsApp 👇
📲 👉 Message Nnendu Homes on WhatsApp. https:///2347067916243

Dear Sir

We're thrilled to introduce ourselves as Nnendu Homes and Properties Ltd., a trusted name in the real estate industry. As a valued person we're excited to announce the launch of our Real Estate Investment Advisory Services, designed specifically for discerning individuals like you.

Our team of experts is dedicated to helping you achieve your unique investment goals, whether you're seeking growth, income, or value investing. With our in-depth knowledge of the real estate market, we'll work closely with you to:

- Identify tailored investment opportunities that align with your objectives
- Develop a personalized investment strategy
- Provide expert guidance on market trends and analysis

By partnering with us, you'll gain the confidence to navigate the real estate market and make informed decisions that maximize your returns.

We invite you to explore our advisory services and discover how we can help you achieve your investment aspirations.

Best regards,

Chinwendu Chukwunulu
Nnendu Homes and Properties Ltd.
www.estateagentlagos.ng

As I stepped off the plane at Murtala Muhammed International Airport, I knew I was in for an adventure. I had just landed my dream job in Lagos and was eager to find my perfect home. But, I had heard horror stories about the Lagos property market - high prices, scams, and endless searches.

Determined to find my haven, I started my search online and stumbled upon www.estateagentlagos.ng Their website was user-friendly, and their listings seemed endless. I filtered my search to my desired location, price range, and amenities, and voilà! My dream home popped up.

I contacted Estate Agent Lagos, and they connected me with a knowledgeable agent who showed me around the property. It was love at first sight! The apartment was spacious, well-lit, and had a stunning view of the city.

With Estate Agent Lagos' guidance, I navigated the complex process of buying a property in Lagos. They helped me avoid common pitfalls and ensured a smooth transaction.

Now, I'm sipping coffee on my balcony, watching the sunset over the Lagos skyline. I'm grateful for Estate Agent Lagos, who made my dream a reality.

Visit www.estateagentlagos.ng to find your perfect match in the Lagos property market!

Are you considering acquiring a property in Nigeria? Look no further than federal housing estates! These estates offer a range of benefits, from security and infrastructure to affordability and community. In this article, we'll explore the merits of investing in federal housing estates, with expert guidance from Estate Agent Lagos (www.estateagentlagos.ng).

1. Security: Federal housing estates are known for their secure environments, with gated communities and 24/7 surveillance.

2. Infrastructure: Enjoy access to quality roads, electricity, water, and other essential amenities.

3. Affordability: Federal housing estates offer competitive pricing and flexible payment plans.

4. Community: Join a vibrant community of like-minded individuals and families.

5. Appreciation: Properties in federal housing estates tend to appreciate in value over time.

6. Maintenance: Benefit from regular maintenance and upkeep of common areas.

7. Accessibility: Conveniently located near major cities and transportation hubs.

8. Government Backing: Federal housing estates are supported by the government, ensuring stability and security.

For expert guidance on acquiring a property in federal housing estates, visit (www.estateagentlagos.ng) Estate Agent Lagos offers a wide range of properties and personalized services to help you find your dream home.

Remember, investing in federal housing estates is a smart decision for anyone looking for a secure, comfortable, and affordable living experience.

Are you considering purchasing a home in Lagos? Look no further than Sangotedo, a rapidly growing and sought-after location. With its strategic position, modern amenities, and serene environment, Sangotedo offers an unbeatable quality of life.

Here are some reasons why buying a home in Sangotedo is a wise decision:

1. *Proximity to Lagos*: Sangotedo is conveniently located near the Lekki-Epe Expressway, making it easily accessible to Lagos Island and other parts of the city.

2. *Modern Infrastructure*: Sangotedo boasts modern amenities such as tarred roads, streetlights, and reliable electricity, making it an attractive option for homeowners.

3. *Serene Environment*: Enjoy a peaceful and tranquil living experience in Sangotedo, away from the hustle and bustle of city life.

4. *Investment Potential*: Sangotedo is a rapidly growing area, making it an excellent investment opportunity for property buyers.

5. *Affordable Options*: With various housing options available, Sangotedo offers something for every budget.

To explore the best housing options in Sangotedo, visit (www.estateagentlagos.ng), your trusted real estate partner in Lagos.

Don't miss out on this incredible opportunity to own a home in Sangotedo. Contact Estate Agent Lagos today to find your dream home!

Please let me know if you'd like me to make any changes.

*The Wisdom in Buying LSDPC Apartments: A Smart Investment Decision*

Are you considering investing in real estate in Lagos? Look no further than LSDPC apartments. The Lagos State Development and Property Corporation (LSDPC) offers a range of affordable and luxurious apartments that can provide a smart return on investment.

*Why Buy LSDPC Apartments?*

1. *Affordability*: LSDPC apartments are priced competitively, making them an attractive option for first-time buyers and investors.
2. *Quality*: LSDPC apartments are built with quality materials and designed to last, ensuring a safe and comfortable living space.
3. *Location*: LSDPC apartments are strategically located in prime areas of Lagos, providing easy access to amenities and transportation.
4. *Security*: LSDPC apartments are built with security in mind, featuring gated communities and 24/7 surveillance.
5. *Appreciation*: LSDPC apartments tend to appreciate in value over time, making them a smart long-term investment.

*Benefits of Buying LSDPC Apartments*

1. *Rental Income*: Rent out your LSDPC apartment and earn a steady stream of income.
2. *Capital Appreciation*: Sell your LSDPC apartment for a profit in the future.
3. *Tax Benefits*: Enjoy tax benefits on your LSDPC apartment investment.
4. *Sense of Pride*: Own a beautiful home in Lagos and enjoy a sense of pride and accomplishment.

*Get Expert Guidance*

If you're interested in buying an LSDPC apartment, contact us at (www.estateagentlagos.ng) for expert guidance and support. Our team of experienced real estate agents will help you navigate the process and find the perfect apartment for your needs.

Remember, investing in LSDPC apartments is a wise decision that can provide long-term benefits. Don't miss out on this opportunity!

*Change of Ownership/Transfer of Ownership Requirements in Lagos State*

Are you looking to transfer ownership of a property in Lagos State? The Lagos State Ministry of Housing has published the required documents for a seamless process. Visit (www.estateagentlagos.ng) for expert guidance and support.

*Required Documents:*

1. Application letter requesting change of ownership/transfer of ownership (with functional telephone lines and email addresses)
2. Demand Notice for payment via the Lagos State Central Billing System
3. Original and photocopy of payment receipt - search conduct
4. Search conduct result
5. Copy of Deed of Transfer
6. Certificate of incorporation/Registration (for companies and registered bodies)
7. Change of ownership form
8. Two digital passport photographs (Assignor(s) and Assignee(s))
9. Valid means of identification of the Assignor(s) and Assignee(s) - 1 copy (original will be requested for sighting)

*Need Help?*

For further enquiries, visit the Lagos State Ministry of Housing at Block 3, 2nd Floor, The Secretariat, Alausa, Ikeja, Lagos State, or email housing@lagosstate.gov.ng, lasg.housing@gmail.com. Our experts at (www.estateagentlagos.ng) are also available to assist you with the process.

*Find Your Dream Home with Ease!*

Are you searching for a beautifully finished home or property from trusted developers and builders? Look no further!

At Estate Agent Lagos, we offer a wide range of:

- Tastefully finished homes and properties
- Mortgage options to suit your budget
- Rent-to-own options for flexible living

Browse our extensive listings now at (www.estateagentlagos.ng) and discover your perfect match!

*Why choose us?*

- Reliable developers and builders
- Flexible payment options
- Wide range of properties to choose from

*Start your journey to homeownership today!*

Visit (www.estateagentlagos.ng) now and take the first step towards finding your dream home!

_Unlocking Your Dream Home: A Guide to Accessing Mortgage Options_

Are you looking to acquire a home but struggling to raise the funds? Worry no more! With the right mortgage options, you can turn your dream of owning a home into a reality.

_Understanding Mortgage Options_

Mortgages are loans specifically designed for purchasing real estate. They offer a flexible and affordable way to own a home, with repayment plans spanning several years.

_Benefits of Mortgage Options_

- Flexibility: Repayment plans tailored to your financial situation
- Affordability: Lower monthly payments compared to rent
- Building equity: Own a valuable asset as you repay the loan
- Tax benefits: Deduct interest payments from taxable income

_How to Access Mortgage Options_

- Research and compare mortgage rates and terms
- Check your credit score and history
- Identify your dream home with a reputable agent like Estate Agent Lagos (www.estateagentlagos.ng)
- Apply for pre-approval and secure financing

_Tips for Success_

- Plan your finances and budget
- Consider additional costs like maintenance and utilities
- Seek professional advice from a trusted agent
- Monitor your credit score and report

By understanding mortgage options and following these steps, you can unlock your dream home and start building equity. Partner with a trusted agent like Estate Agent Lagos (www.estateagentlagos.ng) to find your perfect home.

*Buying Wisdom: Leveraging Rent-to-Own to Acquire Homes*

Are you tired of renting without building equity? Consider rent-to-own as a strategic path to homeownership. This innovative approach allows you to rent a property with the option to buy, providing a unique opportunity to build wealth.

*Benefits of Rent-to-Own:*

- Flexibility and affordability
- Opportunity to build equity
- Time to improve credit scores
- Test drive a neighborhood before committing

*How Rent-to-Own Works:*

- Find a rent-to-own property through a reputable agent like Estate Agent Lagos (www.estateagentlagos.ng)
- Sign a lease with an option to buy
- Rent payments may be applied to the purchase price
- Exercise the option to buy within the agreed timeframe

*Tips for Success:*

- Research and understand the terms
- Work with a reputable agent
- Plan for future financial obligations
- Monitor your credit score

*Conclusion:*

Rent-to-own offers a smart alternative to traditional renting. By leveraging this option, you can build equity, improve your credit, and achieve homeownership. Partner with a trusted agent like Estate Agent Lagos (www.estateagentlagos.ng) to find your dream home.

Ready to unlock your dream home?

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WHERE CAN I GO TO CHECK TO ENSURE THAT THE PROPERTY I AM BUYING HAS NO FUTURE WAHALA (TROUBLE)?

Before purchasing a property, it is essential for you to conduct your due diligence. There are five places where you may need to conduct a search on a property before purchase depending on the title the property has and facts surrounding the sale.

1. LANDS REGISTRY: If the property has a registered title like a Certificate of Occupancy, Governor’s Consent, Registered Conveyance, Registered Court Judgement, Crown Grant or Land Certificate; the place to search is the Lands Registry where you are to obtain the Certified True Copy of the registered title. This is because the Lands Registry keeps record of transactions to land which have been brought to the knowledge of the state through the process of registration.

2. SURVEYOR GENERAL'S OFFICE: If the property does not have a registered title and you desire to know the status of the land, the Surveyor General’s Office is the place to go to where you are to obtain a Land Information Certificate (LIC). The LIC will inform you about the status of the land – free, excised, acquired or committed as well as the zoning of the land – Residential, commercial, industrial or agricultural. This will also assist the buyer to know what title will be processed on the property – Certificate of Occupancy, Ratification or if no title can be gotten on the property.

3. PROBATE REGISTRY: The Probate Section of the Court is the segment saddled with the responsibility of dealing with matters relating to the estate of a deceased person. If the holder of the registered title has gone to the great beyond, there will be the need for a Probate search to determine the authenticity of the Probate Grant or Letters of Administration. If the title holder makes a Will before his death, the Will will be entered into Probate and a Probate Grant will be obtained before an Assent will be made by the Executors of the Will to the named beneficiaries. If the property holder dies without a Will, the survivors will apply for a Letter of Administration to administer the Estate of the deceased. The Administrators of the Estate shall be legally entitled to transfer the property to the would-be buyer.

4. COURT REGISTRY: If there is a suspicion of a legal dispute relating to the property, a search in the Court Registry should be conducted. When there is a legal dispute in relation to a property, such property is said to be Lis Pendens. Lagos State has the Lagos State Judiciary Information System accessible online at https://lagosjudiciary.gov.ng/search.aspx which shows parties that have pending litigation at any of the divisions of the Lagos State High Court (including the land division). A search on the platform can give preliminary information regarding the existence of a legal dispute in relation to the property.

5. SOCIAL SEARCH: If after you have done the other searches above, you still feel the need to probe further, a social search is recommended. Trust your instincts,if it tells you something is wrong with a transaction; check again, something is likely to be wrong somewhere.” One of the most revealing searches to conduct is what I term “Social Search.” This involves going to the property in question and asking neighbors, shop owners and transporters (like Okada men) in the area about the property in question. Facts about the property not revealed in documents are often revealed via Social Search.

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A good number of tenants believe that once the landlord has served them a Quit Notice, they are no longer meant to pay rent or give any money to the landlord until they vacate the property. That is not the position of the law. The law in Nigeria is that a tenant must pay for each day he spends on any property.

If a tenant leaves a property without paying rent, the landlord can sue the tenant for what is called "arrears of rent." If the tenant spends a few extra days (or months) after the expiration (or ending) of the tenancy before leaving the property, the landlord can sue the tenant and collect what is called "mesne profits".

The Nigerian Supreme Court through Honorable Justice Niki Tobi JSC in Odutola v. Papersack Nigeria Ltd (2006) 18 NWLR (Pt. 1012) 470 defined mesne profit thus: “The expression “mesne profit” is used to describe the sum due to a landlord from the time his tenant ceases to hold the premises as a tenant to the time such tenant gives up possession. In other words, it means intermediate profits, that is, profits accruing between two points of time, that is, between the date when the tenant ceases to hold the premises as a tenant and the date he gives up possession".

A succinct distinction between arrears of rent and mesne profit was done by the Court in Capital Oil and Gas Industries Limited v Oteri Holdings Limited [2021] 1 NWLR 483, where the court said that Mesne Profits is "the profits of an estate received by a tenant in wrongful possession between two dates. It is the sum due to a landlord from the time his tenant ceases to hold the premises as a tenant to the time such tenant gives up possession. While rent is payable by a tenant for the use of occupancy of a property, mesne profits are payable by one whose tenancy has come to an end and he holds over. "

In simple words, if the tenant owes rent and leaves the property without paying, the landlord can claim arrears of rent. If the tenant stays for a period of time after the tenancy has ended, the landlord can claim mesne profits. There is no law permitting tenants to stay in a property without paying rent.

There are many reasons while some landlords forgo the arrears of rent and mesne profits. Some do it "for peace to reign." Also, many tenants move to a location the landlord does not know. Some landlords are more interested in recovering their property than the arrears of rent or mesne profits. Some tenants may have no capacity to pay that no court action will make them the landlord recover anything. These are some of the reasons why many landlords do not institute such action. However, the law exists, and a landlord is free to go after the tenant for arrears of rent or mesne profits.

Copied from #RealEstateSnippetsWithBabade

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"Explore our extensive portfolio of rental properties at https://www.estateagentlagos.ng/properties-for-rent
Discover a wide range of options to suit your needs, from modern apartments to luxurious homes. Our properties are carefully selected to ensure quality, comfort, and convenience. Browse our listings today and find your ideal rental property with us!"

Nnendu Homes and Properties Ltd Launches Innovative Website to Transform Property Search

Nnendu Homes and Properties Ltd , a cutting-edge real estate agency, is proud to announce the launch of its groundbreaking website, www.estateagentlagos.ng This innovative platform revolutionizes property search, buying, and selling in Lagos and beyond.

With a user-friendly interface and cutting-edge technology, the website offers an unparalleled search experience. Features include:

- Advanced search functionality with filters and sorting options
- High-quality property listings with detailed descriptions, photos, and videos
- Intuitive navigation and robust security measures
- Regular updates with new listings, market news, and industry insights

"We're thrilled to bring this game-changing platform to the Nigerian real estate market," said Chinwendu Chukwunulu, CEO of Estate Agent Lagos. "Our goal is to make property search and acquisition seamless and efficient, and we believe our website will be a valuable resource for both property seekers and real estate professionals."

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*I saw this very imp0rtant inf0rmation you need to know bef0re buy!ng a Land on another platform and iam sharing it here*

We have Six different types of C of O in Nigeria. They are:

1. Residential C of O, also known as Individual C of 0.

You only get this kind of C of 0, if y0u buy Land where G0vernment allocated for people to bu!ld h0uses and the C of O is valid for only 99 years. After 99 years e go £xpire.

2. Agricultural C of O

You get this kind of C of O if y0u buy land where G0vernm£nt all0cated the land for the main purp0se of farming, if you like build h0tel or anything, na agricultural C of O dem go give you cos na farming dem say make u do for there...but over sabi don make you go build h0use there.

This C of O is valid for only 25 to 28 years.

3. Industr!al C of 0

You get this kind of C of 0 if you buy land in the area G0vernm£nt all0cated for building !ndustr!es

4. Family C of 0

Some reputable Omonile Family have their 0wn C of O in their 0wn name and its valid and this type of C of O does not @
£xpire. Na for life

5. G0vernm£nt All0cations
This one is when g0vernm£nt use their own hand give y0u Land or dash you.

6. Excision
If your land dey for village area.
What you will g£t is Excision

So before y0u buy land, make sure you do y0ur findings

Mak you no go buy Land for where G0vernm£nt allocate say make dem build Grave and bury pe0ple 😅😅😅

Your ignorance won't save you because, ignorance of the law is not an excuse

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>C of O

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