₦airaland Forum

Except you don't have a government registered title like C of O or registered deed on the landed property.

NtoAkwaIbom:
banks no d collect Landed property as collateral now

Except if you don't have a government registered title like C of O, Registered Deed etc on the property. Landed properties are the surest guarantees to seek bank loan.

BENEFITS OF OWNING LANDED PROPERTY.

It's very obvious that the year is fast running and it would be good to stop procrastinating but start implementing your plans for a better 2026 from now.

Are you planning to relocate to Canada, U.K New Zealand, Australia or any other developed nation of the world either or study, work or tourism and you have landed properties to buttress your economic status and strong tie to your home country?

It is no gainsay that everyone needs an oasis of peace and comfort in a safe haven like Canada, U.K, U.S and the rest of the developed world to enjoy comforts of world-class healthcare, international education, world-class leisure and more.

Without mincing words, many visa applicants do believe that "fat" bank statement is the paramount document they need to secure a visa approval forgetting that proof of good economic status in the applicant home country is also paramount.

Though, it's good to have good financial banking status. However, strong economic home tie is one of the major key factor often considered by visa issuing officers most especially for non-immigrant visa applicants like visit, study, medical and so on. The visa officers are more concerned about the economic tie cum status of an applicant to his/her home country, a kind of strong home ties that'll pull him/her back after the tenure of visit or study visa granted.

Secuing visa approval to these developed countries mentioned above often times is not a fluke as applicants would need to strongly proof to the visa issuing officer evidences of home ties that would make the applicant return to his/her home country on or before the expiration of the duration granted the applicant either for tourism, study, medical and other non immigrant visa categories.

Some of the evidences of home tie are marriage certificate, employment letter, certificate of investment, child/children birth certificate, bank statement of account, etc.

Meanwhile, the top secret is the use of valuation report on landed property owned to butress the applicant finacial status and strong tie to the homeland. A valuation report is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value in monetary worth of your landed property or rental income accrue to a property owner on yearly basis if it's a rental property and that can also use to butress source of fund on account as the case may be.

Though it is expected that an applicant should have a certain required amount that would cover his/her expenses during the stay, but a valuation report would "tell more" about the economic/financial status of the applicant in his/her home country that could appeal to the visa issuing officer in making a favourable decision about the applicant.

Let's take for example, a single applicant for visit visa to Canada is expected to have a minimum of amount equivalent to CAD10,000 (Ten Thousand Canadian Dollar) and an applicant was able to meet that and also has property or properties worth equivalent of about CAD40,000 (Forty Thousand Canadian Dollars) or more, that tells more that such an applicant is doing well in his/her home country and would likely not be a liability to the visiting country. To be more practical, imagine someone that applied for a study visa has say N45m (to cover tuition fee, living expenses etc) on account in a bank, married with children and has property(ties) worth N65m or more. Don't be surprised such an applicant may be granted visa while someone that has say N100m on account without any proof of asset(s) or strong home tie may be denied. A visa officer would feel more comfortable to grant an applicant with strong home tie on the ground that he/she has investment/asset back home, wife and children that would make him/her to return after the duration granted.

So often times, money in the bank alone might not guarantee you but other support documents like your property/assets valuation report would do the magic.

No doubt you might have documents like purchase receipt, survey plan, deed of assignment or contract of sale on the property but those documents can not give the current market value of the property as land appreciate in value over time. So only valuation report will State the current value. Land you bought five years ago cannot be same value in the present year and possibly you've built on it.

Even for Canada Express Entry applicant, proof of fund is one of the basic requirements for permanent residence applications. Applicants need to provide to Canada Immigration & Citizenship an evidence of enough mandatory funds to support oneself and any accompanying family members when landed in Canada. This is because the government of Canada will not provide any financial support for new immigrants and therefore need to be sure the new immigrant will be able to support him/herself and his/her family members and same goes for study, either in the United Kingdom or Canada.

The amount required depends on the family size and can vary from time to time and for study visa depends on the institution. Meanwhile, at the time of putting in your application you'll need to show that you have at least the required amount. However, you can also submit a document that shows that you have asset that could be liquidated to cash if granted for your application to be processed.

Now you may be wondering what type of funds you can use and what type of proof is required. Well, there are options which we shall quickly dwell on into details:

SAVINGS: If you have savings which is equivalent or exceed the required amount, then your bank statement (not less than 3months) is a good proof of funds and if your money is split between several banks, you'll need to provide details of each to add up to the required amount or exceed if you have it.

REAL ESTATE: This is what many are not aware of that money in property is probably the most widely used proof of funds. It is a known fact that people sell property/ties owned in their home country before landing in canada or relocating to anywhere else and will use the proceed or equity to establish themselves after relocating and if not for permanent residence, it's a kind of high assuring factor that the applicant shall return to his/her home country upon completion of study or visit.

The immigration office appreciate the fact that you may not have sold the property at the point you're required to supply the information/proof and has made allowances for that. Therefore, all you need do is to get a firm of Certified Estate Surveyors and Valuers that is "skilled" in writing this kind of report (cos some basic information that are to be included) to value the property and give a report stating opinion of the current market value of the property , such valuation report MUST be on the firm letter head, duly stamped, sealed and signed. The immigration body can then see how much equity you have on the valuation report.

If the property is on mortgage, you'll need to submit a mortgage statement from your lender showing how much money is owned on the property, then you submit a valuation report along with it to be able to see how much equity available to you on the property. It is assumed that the property would have been sold and the money in your account before landing or relocating finally.

Meanwhile, if the property is an investment property, a rental valuation report can be submitted along with your application to proof/buttress your additional source of income. Therefore, a valuation report is not just a document but a very useful one that could facilitate your visa approval.

IRCC NOW INCLUDE FINAL REVIEWING OFFICER'S DECISION NOTES WITH REFUSAL LETTERS: WHAT IT MEANS.

As of July 29, 2025, IRCC will now include the final reviewing officer's decision notes with refusal letters for most temporary residence applications including study permits, work permits, visitor visas, and visitor records. That will be big step forward to improve transparency and will assist greatly when reapplying. However, these notes may not tell the full story behind the refusal.

So, if your application has been refused, don’t stop at the refusal letter alone. Here are some key steps to help you re-group and move forward strategically:

(i) Review your application against Program Requirements.

(ii) Compare everything you submitted to the exact eligibility rules for the program.

Then, try and provide answers to the following questions:

Did you:

(a) Include all required documents? (Better to over document than to under document, you never can tell which will be your saving grace. Many applicants have ignorantly ignored some vital documents and paid dearly with refusal).

(b) Clearly show ties to your home country?. Do not just submit copies of landed property owned as it doesn't show how much the property is currently worth and how it will facilitate your return after your study or visit. You need a detailed property valuation report prepared by a firm of certified estate surveyors and valuers. The report will show how much you own in landed properties, a good pointer to your economic cum financial status in your home country. It can also be used to buttress source of fund. You can revert to me if you need to know more about this and desire to get one.

(c) Show sufficient financial support? Depending on either you're applying for visitor visa, study permit or any other temporary visa category, you need to show you have sufficient fund or at least the minimum require for the category and family
size (I've earlier addressed that in my previous article "How much proof of fund
is required for Canada Study Permit".

(d) Prepare and submit a well written and detailed Letter of Explanation (LOE) to explain reasons behind every document submitted. Make reference to where the documents would be found. Use the letter to justify every document submitted and other points you feel the officer should know or would need clarification. It is a non appearance application, so you'll not be there to answer or explain any area of concern to the officer. But you can do that ahead via a well detailed LOE.

(e) Don’t assume the refusal reasons listed in the note are the only problems with your application.

Having mentioned the above, also note that IRCC officers can refuse based on one issue and skip a full review of the rest of your file. That means other weaknesses could still be lurking and lead to another refusal upon resubmission if not addressed. Therefore, don’t rely on the notes alone. While IRCC has started including notes from the officer who made the final decision, these notes may not tell the whole story. If multiple officers reviewed your application, the notes you receive may only reflect the final stage of a longer review process.

Treat the notes as clues to what went wrong, not a final explanation. They can help you move forward, but they don’t tell you everything. To get a fuller picture of what happened with your application, requesting your complete Global Case Management System (GCMS) notes would be better. These internal documents may provide far more detail and insight than what’s included in the refusal letter itself.


Finally, decide on your next move depending on what you uncover from reviewing your refusal, you can choose your next step:

Do Nothing (But Be Prepared for the Future).

May be your plans have changed, or you’ve decided not to pursue immigration to Canada at this time. That’s okay, you’re under no obligation to act.

However, be aware: If you apply for another Canadian visa in the future, IRCC will see your past refusal, and may assess your new application in light of it. So, check very well and ensure you addressed all the reasons raised for your initial refusal

That’s why even if you’re not planning to reapply immediately, it’s a good idea to review what went wrong now. You’ll want to make sure those issues are fully addressed before trying again at any time in the future.

Resubmit a New Application
In most cases, resubmitting is the cleanest and most effective way forward once an application has been refused, especially if the refusal wasn’t due to a clear officer error, or if your situation has changed or improved since your original application.

This gives you a chance to:

Tackle every point raised in the refusal letter and officer notes,

Patch weak areas in your documentation or application narrative,

Strengthen your case by submitting new, clearer, or more complete evidence,

Proactively address concerns, even those that may not have been directly mentioned.

Pro Tip: Don’t just recycle your old application. A reapplication should reflect a clear understanding of what went wrong the first time, and show that you’ve made a real effort to correct and strengthen every part of your submission.

Request Reconsideration
If you believe the refusal was due to an officer's error or oversight, you may be able to request reconsideration, which essentially asks IRCC to reopen and re-assess your original application without submitting a new one.

This is typically only worth pursuing when:

The officer missed or failed to review documents you submitted,

There was a factual error in their reasoning (e.g. they claimed proof of funds was missing when it wasn’t),

The decision seems to contradict IRCC’s own guidelines or eligibility criteria.

You’ll need to submit a written request explaining the error, referencing specific evidence from your file, and showing why the decision should be reviewed.

Important: Reconsideration requests are rarely granted. However, in cases where there’s a clear and provable mistake, it may be a low-effort, low-cost first step, especially if you’re not yet ready to submit a new application or pursue legal review.

Wherever you are in your Canadian, UK, NZ, France and so on immigration journey, whether you're just starting out, recovering from a refusal, or planning your next step, valuation report of landed property (ties) owned by you can play a key role in your visa approval. Do not hesitate to revert if you need one.

All the best.

It will be good if you can also submit copies of documents signed in respect of the land sale transaction (deed of assignment, receipt) and a certificate of value that states the market value of the land prior to the sale.

Itiswell2334:
Good morning y’all! Please do I still need to include a sponsorship letter in my application if 90% of my POF comes from a gift deed from my mother from the sale of her land and 10% of my POF comes from my employment ……..is gift deed enough coupled with other documents to show source of funds, mind you I am not including her bank statement because she doesn’t really have much money in it just mine and I have also paid my full tuition fee……please advise do I need to include sponsorship letter or not or the gift deed is enough…

Lets Discuss one silent major visa denial reason: Poor Proof of Funds (PoF) Preparation

You see, a lot of people think that once they have the required amount in their account, that’s it, visa is guaranteed.

But visa officers don’t just want to see money, they want to understand the story behind the money.

Here are some of the key facts they actually check:

1.How Long the Money Has Been on account:

If you suddenly deposit a huge sum into your account a few days, weeks or even months before your application, that's a red flag. It looks suspicious and signals that the money may have been borrowed just to “show working.” Most countries want to see funds that have been sitting for at least 28–90 days depending on the visa.

2.The Source of Funds:

You'll need documented evidences to proof the sources of money on account. Did the monies come from your salary? A business account? A sponsor? Sale of property etc

Can you prove that it’s legitimate and accessible by you? If your lifestyle and earnings doesn't match what’s in your account, expect extra scrutiny. You must have clear documentation that shows how you got the money. No guesswork.

If you sell a landed property to raise fund, you'll need to get a valuation report/certificate of value from a firm of registered estate surveyors and valuers stating the current value of the property (monetary worth) prior to the sale.

The document can also be used to show how much investment you have in landed properties that can serve as your home tie and economic status. That's where we come in, you can reach out to me if you need this service and be sure of getting the best service.

More to that, you'll need a duly executed deed of assignment prepared by a lawyer between you the seller and the buyer (the name of the buyer should correspond with the depositor of the lump sum).

3.Consistency with Your Profile:

If you’re earning say ₦150,000 per month and suddenly show a PoF of ₦45 million with a recent lump deposit of say ₦35million to make the total ₦45m and no traceable cum documented proofs to back the source of the lump deposit, something won’t add up. Visa officers will start asking silent questions “Is this money being trafficked?” “Was this money staged?”

4.Who Owns the money:

If someone is sponsoring you, especially in study visas, many embassies require the sponsor to be a close family member, and they want solid proof of relationship birth certificates, letters, etc. No random “uncles” or friends, please.

5.Flimsy Financial Institutions:

Don’t use accounts from banks or institutions that are not recognized internationally or are under investigation. Some embassies won’t accept financial documents from certain banks they don’t trust.

Bottom Line is, money without proper documentation might still end in visa denial.

Don’t wait until the last minute or take chance to learn the hard way. Prepare your PoF early, organize your statements, and tell a story that makes sense from source to stability.

If you’re not sure what PoF means for your own visa type, ask questions or talk to someone who knows. Many people have the money… but not the visa.

Let that not be your story.

For more enquiries with a view to getting a certified valuation report, kindly revert.

Thanks

What The New Tax Law Say About Rent Relief (N500k Cap)

The Federal Government had just signed the new tax law and it gives some relief to people who pay rent, but only up to a certain limit.

How it works:

For employees and tax payers that pay rent on a house or apartment, they can now get a tax deduction based on the tax relief cap, which means they’ll pay a little less tax. However, the relief is limited (or capped) at ₦500,000 per year.

For Example:

* Assuming you pay yearly rent of ₦400,000 you can deduct the full ₦400,000 from your taxable income.

* But if your yearly rent is say ₦900,000, you are only entitled to deduct ₦500,000 from your taxable income and not the full ₦900,000.

What does this "deduction" mean?

If your annual income is, say, ₦5 million, and you qualify for the rent relief:

* Without relief: You’re taxed on the entire ₦5 million. But with the ₦500k rent relief: You’re taxed on ₦4.5 million instead.

So, you save some money on tax, thanks to the rent deduction.

Who Benefits Most?

People with lower rents (especially under ₦500k/year) and formal income (salary earners who file taxes) are the ones who benefit the most.

Do you think the tax relief cap should be increased going by high rent charged by landlords or the N500k cap is fine.

Thanks for reading through and your comments.

What The New Tax Law Say About Rent Relief (N500k Cap)

The Federal Government had just signed the new tax law and it gives some relief to people who pay rent, but only up to a certain limit.

How it works:

For employees and tax payers that pay rent on a house or apartment, they can now get a tax deduction based on the tax relief cap, which means they’ll pay a little less tax. However, the relief is limited (or capped) at ₦500,000 per year.

For Example:

* Assuming you pay yearly rent of ₦400,000 you can deduct the full ₦400,000 from your taxable income.

* But if your yearly rent is say ₦900,000, you are only entitled to deduct ₦500,000 from your taxable income and not the full ₦900,000.

What does this "deduction" mean?

If your annual income is, say, ₦5 million, and you qualify for the rent relief:

* Without relief: You’re taxed on the entire ₦5 million. But with the ₦500k rent relief: You’re taxed on ₦4.5 million instead.

So, you save some money on tax, thanks to the rent deduction.

Who Benefits Most?

People with lower rents (especially under ₦500k/year) and formal income (salary earners who file taxes) are the ones who benefit the most.

Do you think the tax relief cap should be increased going by high rent charged by landlords or the N500k cap is fine.

Thanks for reading through and your comments.

Nigerian Students Can Now Pay Their UK, US Tuition in Four Days Using Naira Cards

Nigerian students pursuing education abroad can now pay international tuition in just four days using their naira accounts, thanks to improved foreign exchange (FX) liquidity and updates to the Central Bank of Nigeria’s (CBN) Form A platform.

The Form A portal, a CBN-regulated service, allows Nigerians to pay for eligible expenses such as school fees, medical bills, and training courses through the official FX window.

GTBank and Lotus Bank have both announced that customers can now process international tuition payments covering both undergraduate and postgraduate programs directly from their naira accounts by registering and submitting applications via the Trade System Portal.

To use the service, applicants must,Register on the portal,Select “Form A” for Educational Fees,Choose their bank (e.g., GTBank or Lotus Bank),Upload required documents (admission letter, school invoice, passport, debit instruction, tax clearance, and Form A).
According to a Lotus Bank representative who spoke to TheCable, the process was never halted but had seen low usage due to naira depreciation and FX scarcity. However, with increased liquidity, banks can now complete transactions within four business days—down from the previous 120-day wait in 2022.

“Once you send your instructions, the treasury team sources the dollar within two business days (T+2). By the fourth day, the school receives the payment,” the official explained.

This development follows the recent reactivation of international transactions on naira cards by Nigerian commercial banks, signaling further stabilization in the country’s FX market.

Inconsistencies in immigration Application, A Big Red Flag.

Immigration is a journey! and one may end up completing multiple applications over the years. Somewhere along the way, your details might not line up exactly. and that could cause trouble.

Small inconsistencies might seem harmless, but immigration officers compare past and current applications, and unexplained differences can raise red flags.

Innocent vs. Intentional Inconsistencies:

Not all inconsistencies are the same.

Innocent mistakes are often caused by things like limited space on forms, rounding dates, updating job titles, or leaving out something you assumed wasn’t relevant.

Intentional omissions (like leaving out previous education or work history to “simplify” an application) can lead to refusals, or even a 5-year ban for misrepresentation.

The takeaway:

If something doesn’t match, you must explain it clearly.

Where Inconsistencies Matter Most:

IRCC pays close attention to inconsistencies in work history (especially if you're claiming CRS points), personal history (no unexplained gaps), travel and address history, education details (must align with your ECA and past applications), and family information (spouse, dependents, marital status).

Even small mismatches in these areas can delay your application, or lead to a refusal.

What to Do If You Spot an Inconsistency:

Review old applications before applying again.

Use a Letter of Explanation (LoE) to clarify anything that doesn’t match.

Be consistent and precise with dates, job titles, institutions, and timelines.

Don’t leave things out because you think they don’t matter, they often do.

How to Avoid Inconsistencies:

Going Forward Save every application and supporting document you submit.

Compare applications side by side before submitting your next one.

Keep a consistent record of employment, education, and address history.

Add extra info on a plain sheet if the form doesn’t give you enough room.

Treat every application as part of a long-term record, because it is.

Final Advice

IRCC understands that things change, but they expect you to be upfront, consistent, and clear. A short explanation today can save your permanent residence tomorrow.

If you’ve spotted inconsistencies in your application history, or you’re unsure whether something should be included, please consult and experience immigration expert or lawyer who can guide you.

All the best.

Lets Discuss one silent major denial reason: Poor Proof of Funds (PoF) Preparation

You see, a lot of people think that once they have the required amount in their account, that’s it, visa is guaranteed.

But visa officers don’t just want to see money, they want to understand the story behind the money.

Here are some of the key facts they actually check:

1.How Long the Money Has Been on account:

If you suddenly deposit a huge sum into your account a few days, weeks or even months before your application, that's a red flag. It looks suspicious and signals that the money may have been borrowed just to “show working.” Most countries want to see funds that have been sitting for at least 28–90 days depending on the visa.

2.The Source of Funds:

You'll need documented evidences to proof the sources of money on account. Did the monies come from your salary? A business account? A sponsor? Sale of property etc

Can you prove that it’s legitimate and accessible by you? If your lifestyle and earnings doesn't match what’s in your account, expect extra scrutiny. You must have clear documentation that shows how you got the money. No guesswork.

If you sell a landed property to raise fund, you'll need to get a valuation report/certificate of value from a firm of registered estate surveyors and valuers stating the current value of the property (monetary worth) prior to the sale.

The document can also be used to show how much investment you have in landed properties that can serve as your home tie and economic status. That's where we come in, you can reach out to me if you need this service and be sure of getting the best service.

More to that, you'll need a duly executed deed of assignment prepared by a lawyer between you the seller and the buyer (the name of the buyer should correspond with the depositor of the lump sum).

3.Consistency with Your Profile:

If you’re earning say ₦150,000 per month and suddenly show a PoF of ₦45 million with a recent lump deposit of say ₦35million to make the total ₦45m and no traceable cum documented proofs to back the source of the lump deposit, something won’t add up. Visa officers will start asking silent questions “Is this money being trafficked?” “Was this money staged?”

4.Who Owns the money:

If someone is sponsoring you, especially in study visas, many embassies require the sponsor to be a close family member, and they want solid proof of relationship birth certificates, letters, etc. No random “uncles” or friends, please.

5.Flimsy Financial Institutions:

Don’t use accounts from banks or institutions that are not recognized internationally or are under investigation. Some embassies won’t accept financial documents from certain banks they don’t trust.

Bottom Line is, money without proper documentation might still end in visa denial.

Don’t wait until the last minute or take chance to learn the hard way. Prepare your PoF early, organize your statements, and tell a story that makes sense from source to stability.

If you’re not sure what PoF means for your own visa type, ask questions or talk to someone who knows. Many people have the money… but not the visa.

Let that not be your story.

For more details, you may get in contact.

Ways to proof source of fund in account for visa application.

"Well, I have enough POF cash wise, that's what is important and why do I need to prove how i got the money".

That was exactly the way an applicant responded when he was advised he would need to back up source of lump sum deposited into his account with documents for visa application. Few months later, his words changed " good morning sir, visa was denied, the visa officer wasn't convinced i'll have access to fund on account".

The truth is, some doors might not open just by knocking, you need to push to open. Just like one is not guaranteed of getting a job only by applying, one need to justify he/she is worthy, qualified and ahead of others competing for same limited position.

Same is applicable to relocation plans. You see, a lot of visa applicants believed that once they have the required amount for proof of funds in their accounts, that’s it, visa is guaranteed.

But visa officers don’t just want to see money, they want to understand the story behind the money. Moreso, they want to see you have home ties that can influence your return to the home country.

Let me digress a little, RMD is 63 years old. Many of us started watching him on TV since 80s and he has stayed relevant in the movie Industry till present.

He is one of Nigeria's finest actors and, without a doubt, stands as one of the nation's movie legends. However, let me quickly extrapolate something from him and share a lesson. Just few weeks ago, RMD released his first movie, RADIO VOICE, as the Executive Producer.

Since then, he has been hands-on promoting the movie relentlessly to convince people to watch. He did not say just because he is a great actor or a movie legend, therefore the movie was going to sell itself. No, instead, he rolled up his sleeves, got boots on the ground, started knocking on doors, and screaming on his megaphone, promoting his work. All about convincing audience to watch to gain his success.

Therefore, for your relocation plans, here are some of the key facts you actually need check and ensure you convince the visa officer. Click on the link below to read the full article.

https://www.nairaland.com/8405953/how-properly-proof-source-fund#135083135

NewDigitalWorld:
Source: https://www.vanguardngr.com/2025/07/5-countries-with-the-lowest-proof-of-funds-for-student-visas-in-2025/

TURNING "DEAD" REAL ASSETS TO WEALTH.

Over the weekend I was engaged in a discussion with a neighbor about what would be the after effects of the present global economy most especially fuel subsidy removal, naira devaluation etc on Nigeria as a nation. My neighbour lamented bitterly about how much he had "eaten" into his business capital and how he approached a bank with the hope of raising more capital through bank loan only to be turned down on the ground that the property he wished to secure the loan is untitled which in commercial terms remain a "dead" asset.

Land or property titling as established all over the world gives room for land identity and transferability to create wealth or raise urgently needed capital by people through loans. As a people or individual, land certification (perfection of title) is highly essential for wealth creation. Sadly, many have landed properties but no government registered title, businesses but no statue of incorporation.

It is the unavailability of these essential representations that explains the reason many have not been able to raise needed capital through the banks and other financial institutions either for business expansion or starting up a business.

Therefore, it's not an over-statement to say title enhance property value, expand access to property and protect the rights in properties, secure mortgages. Ignorantly, many do not understand value loss in untitled properties aside the statutory implications.

Let's look at the cases of two hotels that were pulled down at a time in Portharcourt, Rivers State for violating the State Governor Executive Order on lockdown during Covid 19 pandemic. Armed with registered title documents, the owners of the hotels could approach a court of law to challenge the demolitions when Land Use Act of 1978 clearly indicates conditions on which a property can be demolished and the procedures to follow.

But if no proper title documentation duly registered with the government, the table could be turned against them and the reason for demolition altered to justify the action.,

Although, Government has statutory power to compusorily acquire land from its owner(s) for public interest use but with compensation paid to the owners of such private property(ies) or land in accordance with the land use act 1978 and even Urban & Regional Planning Act 1992. Therefore, no government can compulsorily acquire, demolish or take over any property in any part of Nigeria, without compensation, except on some conditions. Some of those conditions like:

(A) Where the property is in a dangerous condition or is injurious to human. Generally, a property can be demolished by Control Department of an Urban and Regional Planning Board of any arm of the government where such property is defective and can pose danger or constitute nuisance to the occupier or the public. The government can demolish such a building having earlier served the owner with demolision notice to pull down the structure at his/her own expense without any compensation payable to the owner failure which the government can pull it down and the owner is oblige to pay the government cost incurred in demolishing the property.

(B) Unknown to many because they did not bother to research well into the title, land use zoning, restrictions and so on in respect of the land on which the property is built. One might build on land within committed government acquisition (if no land search was conducted) and when the time comes for the government to make use of such land for any public use, development or project no matter how long, the government may have no other option but to demolish all the buildings and structures without any compensation due to "illegal occupants" on such land. The more reason you as a real investor should endeavour to research well into status of any land before buying or building without development approval/permit because many doesn't even care about getting building permit before erecting permanent structure on land.

Also, to be able to get compensated when private properties are compulsorily acquired by any arm of the government. Affected claimants might be asked to submit some valid and verifiable title documents on the property/land such as C of O, registered deed, conveyance, registered survey plan, approved building plan etc as evidence of ownership and statutory right on the land to be able to receive compensation. In the case an affected claimant has none of these documents it could be very difficult to get compensated.

Sometimes because of the fees payable to the government to secure these listed documents, many landowner would try all mean to avoid getting the documents. Fast forward to many years after and the unexpected happens that you need to produce any of these documents, what would you Do?

In conclusion, a developing nation like Nigeria need reliable, efficient and cost affordable land titling/certification to encourage more people and thereby promote access to financial assistance and more wealth creation in the informal sector.

Meanwhile, if you wish to engage our service(s) for any of the following:

1. Land Title Document Search

2. Property Sales & Purchase at any location within the country.

5. Property Management.

6. Valuation of Land, Building, Plants & Machinery for visa purpose and other various purposes.

Please do not hesitate to call or send whatsapp message to the phone lines stated below.

However, if you find this article informative and would love to read more useful information on land matters, you may join our Facebook group tagged "Principles and Practices of Real Estate Investing". The aim of this group is to provide members with free advisory service on real estate investing /land matters, proffer solutions to challenges faced by real estate investors, chunk out useful information about processes of buying properties without having issues, land documentation and to introduce profitable real investment opportunities. Should you wish to join the group, click on the below link
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Many thanks for reading till the end.

People should search for the quoted vehicle registration number if it actually belong to the acclaimed owner as the father of the victim

What's your relationship with the sponsor? Probably you might need to re-strategise

dzionyte:
Hi, pls I need advice, I got refused a month ago, I didn't include my account in the first application, I submitted my sponsor's Statement of account, employment and payslip.. I was refused on financial ground.
For my second application, I plan to hold the balance of school fees, flight money and few for miscellaneous in my bank, sponsor will do a deed of gift and get a GIC for living expenses..
Do I stand a chance or I should Change strategy?

Are you on study visa, work visa or which of the temporary category.

sternakin:
What's your status in the country of residence?

What's your status in the country of residence?

anyanchinye:
Hello guys,

My Canadian study visa got refused because of these reasons below, Though I am applying from South Korea and I am on a temporary visa here. Please any information on how to go about these and supporting documents to reapply and get an approval will be appreciated. Kindly assist me.

Ps: I proofed ties to my home country which is Nigeria where I have my registered business with CAC and a cooperate account of $7kCAD, landed properties and my family.

Please what can be done to clear this and get an approval on my reapplication.

“The purpose of your visit to Canada is not consistent with a temporary stay given the
details you have provided in your application.
• Your immigration status outside your country of nationality or habitual residence.
• You have limited employment possibilities in your country of residence”.

For applicants that have huge lump deposits into their accounts being proceeds of landed property sale. Here are the list of documents deemed necessary to be presented to back up the source of fund:

1. Valuation Report by a firm of certified estate surveyors and valuers showing the current value (monetary worth) of the property prior to sale. That will justify the amount the property was sold.

2. Copy of Deed of Assignment prepared by a lawyer between yourself being the assignor (seller) and the buyer being the assignee. The name of the assignee either individual or corporate should correspond with the depositor of the lump sum into your account.

3. Land purchase receipt signed by you for the buyer.

4. Initial title documents you owned on the property before sale.

You can reach out for more enquiries..

krys22:
Just to give an update that my wife got the visa and it was quick too. 2 weeks from the time we submitted. Not sure if it's because we used a canadian immigration Lawyer or so, but yeah just to drop a template which may be useful for anyone in the future.