How do I verify property ownership before purchasing?

Conduct a land search at the State Land Registry or relevant agency (e.g., AGIS in Abuja or LASG Lands Bureau in Lagos) to confirm the title and ensure it’s free from encumbrances. Ask to see the Certificate of Occupancy (C of O), Deed of Assignment, or Registered Survey Plan. It’s advisable to use a licensed property lawyer.

Should I buy land or a built property?

This depends on your budget, timeline, and investment goals. Land is generally cheaper and allows for custom builds but may require more time and regulatory compliance. Built properties offer convenience and immediate occupancy but are typically more expensive upfront. Consider growth potential and local infrastructure.

How can I make my property more attractive to buyers?

De-clutter, repaint, make minor repairs, and ensure the property is clean and well-lit. Use high-quality photos and highlight selling points like location, security, and amenities. Consider staging the property for viewings. The Property Experts allows you to showcase listings with detailed descriptions and media.

What are the risks of property financing?

Risks include interest rate changes, default penalties, repossession, and overleveraging. Read loan terms carefully and avoid exceeding your repayment capacity. Delays in disbursement or documentation issues can also impact transactions. Seek legal and financial advice before taking loans.

What renovations add the most value to a home?

Upgrades like modern kitchens, bathroom remodels, fresh paint, security installations, and solar power systems typically boost value. External appeal, known as curb appeal, also matters. Prioritize updates that improve functionality and aesthetic appeal.

What insurance do I need as a homeowner?

Homeowners should consider fire, flood, and burglary insurance, especially in high-risk areas. Comprehensive home insurance also covers structural damage and personal liability. Insure your property’s value accurately to ensure proper coverage. Check with NAICOM-certified insurers.

How do I confirm a property’s title documents are genuine?

Conduct a title search at the state land registry to verify property ownership and ensure it is free of encumbrances. Engage a licensed real estate lawyer to review all critical documents, including the Certificate of Occupancy, Governor’s Consent, and Deed of Assignment. Where available, scan QR codes on digital documents or verify titles through official government portals such as the Abuja Geographic Information System (AGIS), the Lagos State Lands Bureau, the Uyo Capital City Development Authority, and similar agencies in the 36 states of Nigeria.

What emerging locations have high growth potential?

Areas like Ibeju-Lekki (Lagos), Gwarinpa Extension (Abuja), and parts of Ogun State are seeing rapid development due to infrastructure like airports, seaports, and industrial hubs. The Property Experts regularly updates a watchlist of promising locations.

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