₦airaland Forum

TheFreshVanilla:
You're talking carelessly. I guess you've never done a building project in your life.

He has, I think he built a cocoa farm house, which can also be called a house. Some of them have built fowl abi hen house, goat house and dog house where they are rearing their ekuke dogs for survival, so I am sure he must have built several houses

Counterigbolies:
just dey online dey talk rubbish, I guess u are still been fed

People earning less build house

Bro pls add some hypothetical examples to this claim. Am eager to learn. So someone earns 600k monthly. How much should he feed with as a single, married, married with kids? 2. How much fir transport , clothing, house rent , education and all other basics? How much can be the savings, note the income is 600k no extra. Civil servant we know majority gets bribes and tips and all sort. An talking just 600k. Then what kind of house? What budget for the house? Which the saving after every every How much will do the building and how many year. No blanket statement put facts, figures and sensibility to the discussion.

You build small, block by block, you don't build at once unless you are a thriving businessman. Even top executives may need to take out a mortgage.

Social media would have many ignorant netizens believe everyone builds at once.

My brother don't mind all the people telling you that you can build. They are just pulling your legs. How can someone earning 600k build with the high cost of building materials?

See eh. I'm Nigeria currently, you need to be earning over 3m monthly b4 you can talk of starting a building discussion.

For example, do u know you need over 3m to buy just 300 bags of cement?

Abeg don't start what u can't finish o.

Soor, abi na batcha you want to build?

Of course yes. If you earn 600k monthly in 2026 and you fail to build, it means it's your decision not to build. The fact that Lagos landlords have decided to increase their rent on a monthly basis is enough push for you to start something with your 600k.

In the first place, I see no reason why you can not live on 200k monthly. Make sure you buy your foodstuffs and other essentials at month end. Save for 3 months and get a plot of land for 1.5m in a modest environment, even if it's half plot.

Then, save 400k for another 4 months and use the 1.5m to move from foundation to window level. Save for another 4 months, get a loan of 1m and add to your 1.5m. that's 2.5m and you're already at the roofing level. Then, relax, pay your loans for another 6 months, and get another loan and roof your house. Subsequently, you start your plastering, plumbing, electrification, finishing etc.

Before you know it, 2 years from now, you're living in your own house.

So yes, with 600k, even with a family of 4, you will build. It only depends on your financial discipline.

With a 600k salary, I don't expect you to live anywhere on the island, and I don't expect you to enroll your child in British International School. If you cut your coat according to your cloth, you will become a landlord and even have tenants.

Englishisamust:
How bro, that is impossible bro. Do you know how much they are selling building materials now?? Hope you know one bag of cement is now 12k or are you playing

Na small small you go dey buy materials.. use direct labour, also have some experience yourself.

You wont need engineer in this case cos your bricklayer and yourself are the architect and engineer.

So, it is doable.

mrkings84:
My brother don't mind all the people telling you that you can build. They are just pulling your legs. How can someone earning 600k build with the high cost of building materials?

See eh. I'm Nigeria currently, you need to be earning over 3m monthly b4 you can talk of starting a building discussion.

For example, do u know you need over 3m to buy just 300 bags of cement?

Abeg don't start what u can't finish o.

Soor, abi na batcha you want to build?

Maybe he wants to build makeshift tent for renewed hopelessness campaign

madridguy:
People earning less than 200K per month are building also not to talk of the whole 600K.

They're probably looting as a side hustle. There's no way you can build a house with 200k.
Won't you eat or take transport?
Stop the cap

Orinechi:
A person collecting such amount can build a comfortable bungalow within 2 year.

The way you people comment sometimes it makes me wonder if you are real people who live in real life and do real things and earn real money. You think we are in 2009 ??
Why is it so hard to realistic online ?
You earn 600k and you think you can build a house in 5 years ? Let alone 2 as you stated. To have a job that pays 600k a month you know what your monthly bills will be like ? Oh you won’t pay rent as you as living under the bridge for the years you’ll be building ? You won’t eat ? To prepare a nice pot of soup that will last days will cost you 10k+!
Small health issue and your savings don drop by half!
I detest unrealistic people so much!

lordm:
If civil servant with lower salaries are building, what's your excuse?

With egunje and loot.

3kay945:
Na small small you go dey buy materials.. use direct labour, also have some experience yourself.

You wont need engineer in this case cos your bricklayer and yourself are the architect and engineer.

So, it is doable.

600k salary is 7,200,000 naira a year, if you take away all the deductions like Tilumbum tax, health insurance, pension, etc, you might be left with 5,500,000 naira a year.


Remove his transportation cost to and fro work, remove his annual house rent, remove feeding, clothing, utility bills (NEPA, waste, etc), etc and he might struggle to save 3million in a year.

To build a 3 bedroom bungalow now, assuming you have bought land already, will cost you between 30m to 40million depending on your finishing taste.


Now 30million divide by 3million = 10 years, that means it will take him 10 years to complete the building (an ordinary bungalow oh lol).


Now factor in job loss due to retrenchment, illness, family responsibilities, unforseen occurrences, then you will realize that anybody earning 600k salary per month can only build an ordinary bungalow in Nigeria now if he is stealing money from his employer or engaging in all those their usual office corrupt practices that Nigerian employees and civil servants are known for which they call window

TrainPark:
It is possible. A simple home is srill a home and if one is deligent, that income is very hogh and can build a good house over 3-5years

Please kindly analyze a realistic plan to achieve this in the timeline you stated. Not just making statements, like real calculations to realistically achieve this in 3-5years. Using current pricing and valuation. No land available yet.

franchasng:
600k salary is 7,200,000 naira a year, if you take away all the deductions like Tilumbum tax, health insurance, pension, etc, you might be left with 5,500,000 naira a year.


Remove his transportation cost to and fro work, remove his annual house rent, remove feeding, clothing, utility bills (NEPA, waste, etc), etc and he might struggle to save 3million in a year.

To build a 3 bedroom bungalow now, assuming you have bought land already, will cost you between 30m to 40million depending on your finishing taste.


Now 30million divide by 3million = 10 years, that means it will take him 10 years to complete the building (an ordinary bungalow oh lol).


Now factor in job loss due to retrenchment, illness, family responsibilities, unforseen occurrences, then you will realize that anybody earning 600k salary per month can only build an ordinary bungalow in Nigeria now if he is stealing money from his employer or engaging in all those their usual office corrupt practices that Nigerian employees and civil servants are known for which they call window

Thank you for this realistic analysis.

franchasng:
600k salary is 7,200,000 naira a year, if you take away all the deductions like Tilumbum tax, health insurance, pension, etc, you might be left with 5,500,000 naira a year.


Remove his transportation cost to and fro work, remove his annual house rent, remove feeding, clothing, utility bills (NEPA, waste, etc), etc and he might struggle to save 3million in a year.

To build a 3 bedroom bungalow now, assuming you have bought land already, will cost you between 30m to 40million depending on your finishing taste.


Now 30million divide by 3million = 10 years, that means it will take him 10 years to complete the building (an ordinary bungalow oh lol).


Now factor in job loss due to retrenchment, illness, family responsibilities, unforseen occurrences, then you will realize that anybody earning 600k salary per month can only build an ordinary bungalow in Nigeria now if he is stealing money from his employer or engaging in all those their usual office corrupt practices that Nigerian employees and civil servants are known for which they call window

You are right!

But when I said it is doable, I didn't mention the year for completion of the project.

However, in my hood. We have people building self con. on small piece of land.

The man too they join us for landlord meeting o.

madridguy:
People earning less than 200K per month are building also not to talk of the whole 600K.

I wonder if
Maybe he is planning on building in mars or moon

I always work on being able to save 25% of your income for investment.

If you can religiously do this that is 150k a month and then aim to do something every 6 months ie at 900k. One can do it. A saw a plan of one 2 bed and about three maybe four 1 bed on a half plot being done for a woman selling yam and other raw foods.

It can be done over about 5 to 6 years.

Englishisamust:
Good evening, I saw this question online. Can someone earning 600k per month build a house in Nigeria??

lordm:
If civil servant with lower salaries are building, what's your excuse?

/
The civil servant told you that he saved his salaries only?

The way Nigeria is structured, it is difficult to ascertain anyone's source of income. Heck! A yahoo boy with no employment can build a duplex.

/

equityjake:
The way you people comment sometimes it makes me wonder if you are real people who live in real life and do real things and earn real money. You think we are in 2009 ??
Why is it so hard to realistic online ?
You earn 600k and you think you can build a house in 5 years ? Let alone 2 as you stated. To have a job that pays 600k a month you know what your monthly bills will be like ? Oh you won’t pay rent as you as living under the bridge for the years you’ll be building ? You won’t eat ? To prepare a nice pot of soup that will last days will cost you 10k+!
Small health issue and your savings don drop by half!
I detest unrealistic people so much!

Sum it up for 2 year and give it to me. My rent is 450k annually. If I don't build comfortable bungalow, I will pay double of what you have given to me. All you need is to get a reliable engineer and buy the materials yourself.

Englishisamust:
How bro 2 years!! I seen you don’t know 600k no get value again

let not argue. Sum it up and give to me minus my rent for two years I will still build a comfortable bungalow

babastanlolo:
Bro pls add some hypothetical examples to this claim. Am eager to learn. So someone earns 600k monthly. How much should he feed with as a single, married, married with kids? 2. How much fir transport , clothing, house rent , education and all other basics? How much can be the savings, note the income is 600k no extra. Civil servant we know majority gets bribes and tips and all sort. An talking just 600k. Then what kind of house? What budget for the house? Which the saving after every every How much will do the building and how many year. No blanket statement put facts, figures and sensibility to the discussion.

that's your problem

My complex gardener with 120k salary managed to build house but u are asking mumu question

Wait till u have 50 billion naira till u start building, one thing about all u online kids is that nothing is enough.

Even if person wan buy bicycle tyre n his budget is 50 billion, u people will still say it's not enough

Abeg I no get time

franchasng:
My brother, if not for bigotry and tribalism, you cannot have the shame to defend a failure like Tinubu. If you fail your parents or your children the way Tinubu failed Nigerians, they will definitely pack your load and chase you away from the community like a common thief!


You guys are defending Tinubu out of tribalism, selfishness and wickedness of the black man

tell me how obi performed better as governor than tinubu

Same obi that u ibos cursed now have suddenly become the best thing cos u want your own as d president

If u lots say u want a president from your side it's understandable but don't tell me obi is better

ceejayluv:
Don't be harsh. 600k now is equivalent of 60k in 2014. It'd have taken such income earners (single) then ten years or more to build something manageable.

ok

Wait till u have 100 billion naira

You need to earn #500m monthly to build house in Nigeria

Englishisamust:
Good evening, I saw this question online. Can someone earning 600k per month build a house in Nigeria??

lordm:
Are they not paying back the loan from that same low salary?
If you cut your coat according to your size. Then you will build

Oga they are stealing from another source to afford that.

Counterigbolies:
tell me how obi performed better as governor than tinubu

Same obi that u ibos cursed now have suddenly become the best thing cos u want your own as d president

If u lots say u want a president from your side it's understandable but don't tell me obi is better

Young man this argument has become stale. We are talking about present and you are talking about past tense.

Are you at the same spot you were some 10 years ago? Haven't you made some progress as a person since 10 years ago? Haven't you corrected any mistakes you made in life some 10 years ago? We are no longer talking about Tinubu's performance as Lagos state Governor, we are now talking about his abysmal failure as a President of Nigeria since 2023 and you are stuck with Obi did this as Governor, Tinubu did that as Governor, abeg make una de use una wisdom well.


Stop living in the past, tell us what you have achieved today as a person not what you think you achieved 10 15 years ago. Abi you no de hear wetin Nigerians de talk say "I get am before no be property?"



Everytime the same stale argument of the past, Tinubu is now President, tell us how he has performed and why he deserves a second tenure is the question on the table now!

3kay945:
You are right!

But when I said it is doable, I didn't mention the year for completion of the project.

However, in my hood. We have people building self con. on small piece of land.

The man too they join us for landlord meeting o.

Many Nigerians are into one form of shady deal or office racket or the other, don't be deceived. Many of them are stealing from their employer to build whatever you are seeing and reason they feel relaxed with Tinubu's failed government until their employer catches them and sack them or arrest them, you will then understand better.


Many Nigerians are working and doing illegal businesses while using their paid job as cover up, don't let them deceive you

Nobody can build with 600k salary in Nigeria today, unless he is ready to start it and finish it anytime God wills or maybe his kids will complete the building.


Cement is between 12k to 13k per bag depending on your location in Nigeria. Go and price iron rod. Go and price planks. Go and price roofing sheets. Tinubu destroyed Nigeria no jokes. I am speaking as someone who has built before and now. Tinubu is a calamity that every Nigerian needs to rise up in one voice and send him back to wherever he came from. I don't care who replaces him but let it not be Tinubu honestly it won't be nice, Nigerians will be in bigger soup if Tinubu win a reelection. The man will do worst than he has done now knowing he is not going to ask for reelection again but some Nigerians especially those from his tribe think it's a joke or that it's a tribal supremacy war with Igbos, they should continue and pray Tinubu win a reelection, na here I go de watch una.

madridguy:
People earning less than 200K per month are building also not to talk of the whole 600K.

Who is earning 200k that is building a house? This is how you people talk without thinking like Bwala or Reno.

Englishisamust:
How bro, that is impossible bro. Do you know how much they are selling building materials now?? Hope you know one bag of cement is now 12k or are you playing

Don't tell anyone that you are building, every month just keep begging family and friends money. Always come up with emotional stories, Nigerians are gullible they will keep dropping something and you just keep adding it to your project.

franchasng:
Young man this argument has become stale. We are talking about present and you are talking about past tense.

Are you at the same spot you were some 10 years ago? Haven't you made some progress as a person since 10 years ago? Haven't you corrected any mistakes you made in life some 10 years ago? We are no longer talking about Tinubu's performance as Lagos state Governor, we are now talking about his abysmal failure as a President of Nigeria since 2023 and you are stuck with Obi did this as Governor, Tinubu did that as Governor, abeg make una de use una wisdom well.


Stop living in the past, tell us what you have achieved today as a person not what you think you achieved 10 15 years ago. Abi you no de hear wetin Nigerians de talk say "I get am before no be property?"



Everytime the same stale argument of the past, Tinubu is now President, tell us how he has performed and why he deserves a second tenure is the question on the table now!

oga I no wan vote tinubu again, tell me how peter obi is better than him

Yes, but not in Lagos or any place where the land cost is very high.

madridguy:
People earning less than 200K per month are building also not to talk of the whole 600K.

Where’s that happening? 200k can’t even feed a family of two. Do you know how much the cost of fuel is at the moment?

Stop lying!

risos:
If you invest with part of the 600k monthly, you can do more than just building a house

You people should stop with all these lies! It’s annoying.