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Getting a Certificate of Occupancy (C of O) in Lagos

The procedure for obtaining a Certificate of Occupancy (C of O) in Lagos, Nigeria shown in this article is the official process as described by the Lagos State Government.

1. The Applicant should purchase and submit the application pack to the Land Use Allocation Commission (LUAC) and collect an acknowledgement slip

2. Day Applicants collect letter of offer of allocation

3. The Applicant should pay for the allocated land within 90 days.

4. A letter of confirmation is issued to the Applicant with a plot and block number.

5. The Scheme Officer processes the application for the C of O, signs off on the file and forwards the files to ES LUAC - 5 Days

6. The Surveyor General provides Scheme Officer with digitized survey - 2 Days

7. ES LUAC approves processing and signs letter of allocation. ES LUAC signs off on the file and sends the file to the Senior Special Assistant to His Excellency, Lands (SSA Lands) - 2 Days

8.The SSA, Lands vets the entire file and sends it with a covering memo to the Permanent Secretary Lands Bureau (PS Lands) - 2 Days

9 Should the file have a query, the message is relayed back by notification

10 The PS, Lands signs off on the memo and sends the file to His Excellency - 2 Days11 His Excellency approves file and electronically signs the C of O - 2 Days

12. Should the file has a query, message is relayed back by notification

13. Upon approval and signing of the C of O by His Excellency, He signs off and sends it to the Deputy Registrar for further processing - 2 Days

14. The Deputy Registrar processes the file further, signs off and sends it to Registrar of Titles for final registration - 2 Days

15. The Registrar of Titles registers the C of O, signs off and request for printing of C of O - 1 Day

This process adds up to a total of 21 days.

DOCUMENTS REQUIRED
1. Formal Letter addressed to the Executive Secretary– Land Use and Allocation Committee, Block 13, Room 4, Lands Bureau, The Secretariat, Alausa, Ikeja.

2. Standard Allocation Form with Receipt. Lekki Pennisula Schemes, Abijo Commercial and Industrial (Form for Prime Land); other areas (Form for General).

3. Four Passport Photographs with white background.

4. Evidence of payment of Income Tax.

5. Current Development Levy (In case of company, Evidence of payment of Income Tax of Two Directors and Development Levy).

6 .Survey Plan

7. All payment receipts of Land Charges

8. Vital Information Form

Safety tips

 
Fire Extinguisher operating procedure “PASS” 

PULL THE PIN: This will also break the tamper seal.

AIM... Aim low, pointing the extinguisher nozzle (or its horn or hose) at the base of the fire.
Note: Do not touch the plastic discharge horn on CO2 extinguishers, it gets very cold and may damage skin.

SQUEEZE... Squeeze the handle to release the extinguishing agent.

SWEEP... Sweep from side to side at the base of the fire until it appears to be out. Watch the area. If the fire appears to reignites, repeat steps 2 - 4.

If you have the slightest doubt about your ability to fight a fire....EVACUATE IMMEDIATELY

The Importance of Having a First Aid Kit

Have you ever tried to buy a first aid kit? If you have, you know how many options there are. You can buy basic first aid kits are available from a variety of medical companies. Emergency first aid kits that are meant for natural disasters or even specialty first aid kits that serve a variety of needs.

What kind of kit is right for you?
The type of disasters your household is susceptible to and how well-prepared you want to be in the face of an emergency will determine the type of first aid kit needed.
The most common type of first aid kit is the general kind that you can buy from your local pharmacy. These kits typically include sterile gauze pads, dressings, roller gauze bandages, adhesive tape, non-latex gloves (just in case of latex allergies), hand wipes, hand sanitizers, a ready-to-use ice pack, tweezers, scissors, and a face shield. All of these items could undoubtedly come in handy during an emergency, but what happens if you face something that is a bit less common?
When that is the case, you have a few options. You can either buy a variety of first aid kits that could help you out of nearly any situation, or you could simply make your own safety kit. The latter option is often cheaper and more practical because you can design it to meet your household’s needs.
A homemade first aid kit should include all of the items you would see in a basic first aid kit, and you may want to add any of the following items:
• A small flashlight in case injury occurs during a power outage
• Emergency medications that your family may require (i.e. insulin for a diabetic, nitroglycerin for a person with a heart condition, etc.)
• Topical anesthetic spray for itches or burns
• Oral antihistamines for allergic reactions
• Safety pins to remove splinters
• Plastic bags where you can place any contaminated items
• A triangular bandage or piece of cloth
• Cigarette lighter to sterilize any metal objects
• Antibiotic ointment for cuts and scrapes
• A thermometer in case of fever
• Over the counter medications for common conditions like diarrhea, nausea, and headaches
• A list of emergency phone numbers like your local police department, fire department, or hospital
Whether you choose to buy a first aid kit or make your own, be sure to place it in a common area of the house where everybody knows where to find it. If you make your own, you may want to put your items in a waterproof drop container so that it will be protected from inclement events like floods. Ideally you should keep at least two first aid kits in your home so that they will always be accessible to anybody who may need them. You may want to keep a first aid kit in your car, too.

Remember, accidents do happen, but that is no reason not to be prepared. And with a complete first aid kit at your disposal, you can ensure that any future accidents will be appropriately attended.

Practical Things To Do This Rainy Season

The seasons are fast changing and the rains is falling in torrents in most parts of the country. These showers can be frustrating if you do not take precautions. Flooding could occur, water could seep into your home, which you do not want. So it’ll be in your best interest to do the following:

Mend your roofing
During the dry season you might not have noticed that your roof was leaking. Maybe an early shower this season brought that to your knowledge. Water seeping into your home can be both annoying and dangerous. Your mattress could get soaked up in water. Your rug could be soiled and stink. Electricity doesn’t have an affinity for water and could lead to an electrocution should they mix and you come in contact with them thereafter.

Replace bad electric cables in your compound
Still on the matter of electrocutions. Over the years sad incidents have occurred in rainy seasons. A puddle of water can become electrified without an unsuspecting passerby knowing. Kids or adults can be victims, so do well to change any naked cables lurking around your compound or surrounding.

Empty that septic tank
Septic tanks hold sewage. They could become overfull with time. Need then arises to empty them. Incessant rains could assist them in becoming overfull faster. Call artisans to empty it for you. You do not want a spill of sewage over your surroundings. Health-wise it is detrimental and could chase your visitors away from your home.

Avoid These Locations When Looking For Property

Location is still a very important factor to consider when searching for property. A property might have very nice features but if it is in a bad location, it might have a low appreciation rate and this is not the right property for you to invest in.

It is advisable to avoid any property located in the following areas:

Areas With High Crime Rates
Security is of paramount importance and it might not be a wise decision to buy or rent property in unsafe neighbourhoods. Locations with high crime rates are dangerous to live in and they should be avoided as much as possible. Before buying or renting property in any area, make sure you carry out research on the crime rate of the neighbourhood you want to live in.

Noisy Neighbourhoods
Areas with high noise levels might not be conducive for you or your family and properties located in these areas might not appreciate as much properties in other areas. Avoid areas that are too close to major highways, major airports, major markets and other areas that witness noisy activities.

Areas Lacking Good Infrastructure
You should avoid areas that lack good infrastructural facilities when searching for property. Watch out for areas with very bad roads and inefficient drainage systems because you might not be able to access your property easily and your area might be flooded whenever it rains if you reside in these areas. You might also have to spend lots of money repairing your car regularly if you live in these areas. Keep away from these areas as much as possible in order to avoid problems down the road.

High Pollution Areas
Areas that have high levels of environmental pollution are not conducive for human habitation. Some areas suffer severe water and environmental pollution and this might have a serious adverse effect on the health of residents in these locations. Avoid buying or renting property in such areas in order to avoid some health issues in future.

Buying a House With N80,000/Month Salary?

Owning a home is always a very good investment and a goal which everyone strives to achieve but this might seem like a tall order especially when you don’t earn much. However, there are ways that you can own a home with an income as low as N80,000/month without having to break the bank.

With the assistance of Primary Mortgage Institutions (PMI’s), you can obtain mortgage loans that can enable buy a 3 bedroom bungalow.

How It Works
You can obtain low interest loans from the National Housing Fund (NHF) Scheme operated by the Federal Mortgage Bank Of Nigeria (FMBN) through accredited PMI’s. The NHF scheme is designed for all Nigerians particularly those within the low and medium income levels who cannot afford commercial housing loans.

If you want to be a beneficiary of this scheme, you must be gainfully employed (Public, Private or Self-employed), a registered contributor to this scheme and up to date with your contributions.

Under this scheme, you are entitled to a maximum of N15 million mortgage loan which is repayable over a long period of time (depending on your age). The maximum repayment period is 60 years minus your age at the time the loan is approved.

Eligibility
To be eligible for this scheme, you have to be a contributor (at least 2.5% of your monthly basic income) to this scheme for at least 6 months prior to the date of your application. You also have to pay an equity of between 10-30% of the approved loan amount.

If you earn an N80,000/month salary, you can be eligible to obtain a N7 million (or more) loan upon payment of 20% equity of the loan amount. The maximum loan amount you can obtain depends on the amount you can repay as FMBN can only deduct a maximum of 33.33% of your salary.

However, if your salary cannot repay the sought loan, you can still obtain the loan provided you show at least 6 months evidence of income flow from a secondary source of income. The beautiful thing about this loan is that you pay a low 6% interest rate which is spread out over the entire repayment period.

You can visit any Primary Mortgage Institution close to you for more information on this scheme and how to get started

Decor Tips: Maintaining Your Leather Settee

These days people are opting for settee with leather upholstery as opposed to cloth or velvet upholstery. No doubt leather upholstery is beautiful on furniture. It’s posh and cool in a modern way. But it needs to be properly cared for to last longer. It might not necessarily be as resistant to certain substances as cloth upholstery is. Below are some useful things to do and not to do:

Wash with clean, uncontaminated water:
Like every other piece of furniture in the home, your leather settee may collect dust and need to be cleaned. Clean up with water and mild soap, concentrating on areas susceptible to dirt like head rests and arm rests. Make certain to use clean, uncontaminated water, because certain chemicals might facilitate the discoloration of your settee, which is less than flattering. Also make certain to wipe with a clean cloth or towel immediately should there be an additional spill on it.

Never use oils on it:
Avoid using oils on your leather settee! This might actually help in destroying it other than giving it a gleam.

Do away with any abrasive:
Abrasives will scrape or tear up your beautiful leather settee. Avoid them and stick with a clean cloth or towel. People with little might want to go the way of cloth upholstery. However you could always limit where they can practice new skills picked up at school. Keep sharp objects away from their reach. And for Nigerian parents a cane might be handy. After all you’ve spent a lot to acquire the piece of furniture.

Direct Sunlight is your settee’s enemy:
Excessive UV light will make your settee fade quickly. It might even result in your leather settee cracking, which destroys the beauty of your furniture. Find ways to protect your leather settee from direct sunlight.

If there’s a maintenance manual, please read it
The manufacturer knows what will ruin your leather settee. Read up your manual, if there’s one, to learn other things to do to prolong the lifespan of your leather settee. If it weren’t important, the manufacturer wouldn’t have written one.

How To Select The Right Rental Property?

Searching for a suitable rental property can be stressful and care should be taken not to get it wrong because you don’t want to go through the hassle of moving again.
Getting the right rental property can make you a very happy tenant down the road and the following tips should help to get you there:

Spell Out Your Preferences
Decide what kind of rental property you want and possible locations where you want it to be located. You should also consider what kind of amenities and exterior features you want in the property when making your decision. Can you tolerate noisy neighbours? Can you live in a busy and noisy neighbourhood? You should spell out your preferences so you will make a more focused property search.

Consider Your Budget
Consider the cost of the rental property you would to rent while considering the fact that location and size affects the price. Properties with extra amenities and additional security are usually costlier than others. You also have to consider the maximum service charge you are willing to pay. When you consider all these, you will get an idea of the maximum amount of money you are willing to shell out for your rental property.

Compare Properties
Conduct appropriate research and compare properties of similar features in order to get the best deal. While doing this, bear in mind that properties of similar features might vary greatly in price depending on their location, so don’t be in a hurry to write-off a property as too expensive.

Go For a Good Deal
Try your best to get a good deal but be reasonable when doing this. Going for longer leases most often gets landlords more inclined to shave off some money from your rent. Make sure you get a good agent who can get you a deal that would keep both sides happy.

Take your time to carefully consider the above tips and you will have a fulfilled stay in your new home.

Where Do You Want To Live? City vs Suburbs?

Deciding on where you want to live can be tasking and there are several choices you'll need to make. One choice you'll surely need to make is if you want to a quite suburban or a buzzing city lifestyle. Whether living in the city or in the suburbs, each have their respective pros and cons and you cannot make an informed decision until you carefully analyze both options.

City
The city is where you have better social infrastructures and that’s where most offices are located. So, if you have a high taste for comfort, the city is best suited for you. Living in the city can be great if you enjoy the hustle and bustle. You're close to where the action is, where deals are both made and broken in the corridors of financial and political power. Also, city dwellers arrive at their offices earlier than suburban dwellers because of the close proximity to the office. Places of delight and leisure like galleries, theatres, museums, amusement parks, shopping malls, fancy restaurants etc. are located in the city. However, city accommodations are costlier than suburban accommodations, so if you are capable of parting with a substantial sum of money for property rental/purchase purposes, then the city is for you.

Suburbs
Suburban living is for you if you love the peace and quiet that the suburban environment offers, and you are looking to escape from your work and the stress of city life. The suburbs usually offer more room for your home and more opportunities to develop friendships with neighbours. A suburban home will cost you much less than one of comparable size and features in the city, so people tend to buy bigger houses in the suburban areas. A larger home could also offer financial benefits, such as giving you room to develop a home-based business. However, if you want to reside in the suburbs, be prepared to wake up much earlier than the city folks or else you will be late for work. Also, the suburb does not have the same quality of amenities that the city has.

Having weighed the pros and cons of both options, you should choose the one which suits you better.hope you’ll make the right choice!

Ideas on Utilising Your Vacant Land?

Do you have a land and you are not sure of what to use it for? Here are some things you could, which will thrive here in Nigeria:

Shopping Mall/Complex
This is very capital-intensive but its rewards are boundless. Shopping malls are becoming increasingly popular in Nigeria and thus offer a handome return on investment. Moreover a shopping mall or complex can be seen as a business of businesses. Businesses will rent spaces in your mall and overtime you’d find out that you have recouped your initial capital, along other side benefits.

Events Centre
You could fence your land and lay interlocking bricks and build tents for events. If you have the cash, you may build a hall, probably a two, three storey. With this can have two, three events taking place simultaneously. There is no doubt that tons of cash can be made from such an investment.

Agriculture/Fish farming/ Poultry farms/Livestock
Food is essential, so agriculture will always thrive, so long as it is done right. How about owning a plantation? Or, a fish and poultry farm? You might just be the chief supplier of fish and poultry products to the major eateries in Lagos, or wherever your land is located. Using your land for agricultural purposes is almost always beneficial. You not only make money but you feed the nation with your produce.

How Can a Low Income Earner Invest in Real Estate?

The real estate sector is a very lucrative sector to invest in as there are huge profits to be made from investments in property. However, contrary to popular perception, real estate investing is not an exclusive preserve of the rich.

You can invest in real estate even if you are not in the rich class. Below are a few tips that can help you invest in real estate, even if you don’t have a fat bank account:

Start Small
The real estate billionaires all have one common trait: they started small. You may want to make millions of naira in real estate investments, but that million naira portfolio starts with a single purchase. You might have a goal to buy ten duplexes over the next five years. You do not need to buy all ten this year, or next. Perhaps you can buy just one this year, while learning how the process works. The year after, you might buy two, then three and so on till you get to your target. Each year, you become more and more familiar with the process and can buy more and more properties. Starting small is not only necessary, but it’s also a good thing.

Leverage
You can fund a property purchase using mortgage loans from PMI’s. Some real estate investors started this way, wait for the property value to appreciate, then sell the property, pay off the mortgage and use the profit realised to invest in other properties. Mortgage institutions might require you to pay a charge for paying before the mortgage period runs out but you will still make a profit which might be sizeable depending on the property invested in.

Buy To Renovate
You can buy reasonably priced properties, add value to them by renovating and sell off for a profit. You can upgrade dilapidated properties to luxury apartments and sell them for sizeable gains.

Form Co-operatives
Co-operatives are professionally managed collective investment schemes that pools money from many investors. You can start a real estate investment co-operative by joining your capital with that of your co-investors in order to make a substantial investment. Let’s take a simple scenario: you have N2 million but you want to invest in a property worth N8 million, you can pool resources with 3 co-investors who will contribute N2 million each. This makes a total of N8 million thus enabling you to invest in the property. However you should ensure your co-operative is registered and there is an agreement stipulating the terms of business and the profit sharing formula.

Borrow From Family
Family members are a good source of interest-free loans that you can use to invest in real estate properties. However, you should be realistic about what a practical repayment plan would be and not try to borrow more than you can repay. You have to treat it the same as any kind of loan and be realistic

Make Dedicated Savings
Saving money, or the saving habit is the foundation of all financial success, including investing. Set aside a dedicated amount as savings every month so you can build up your savings. When you have a sizeable savings, you can decide to make an investment in real estate. If you earn N250,000 monthly, you can set aside N100,000 every month and build a sizeable savings portfolio to enable you make profitable investments.

Buy Properties in Estate Developments
Properties located in estate developments are fairly priced and most times, mortgage financing options are given by the financing partner of the development in order to encourage buyers to purchase property. Cash in on this opportunity, purchase property and sell them later for a profit

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Factors to Consider When Choosing Tiles For Your Kitchen

Tiles are a real beauty in the home but different tiles are used for different sections of the home. The kitchen, room and bathroom tiles are not the same because different activities take place in these sections.

When choosing tiles for your kitchen, some factors have to be considered. The following are a few of those factors. I hope you find them helpful.

Porosity of the tile
Liquids are accidentally spilled in the kitchen so a water-resistant tile is essential. This type of tile does not absorb water thereby prolonging the life span of the tile. Glazed tiles are water-resistant and are durable and are thus recommended for use in the kitchen.

Slip-resistance
Most home accidents (some resulting in death) are caused by slippery tiles. Very smooth tiles can be very slippery when wet (or even when dry) and can cause you to slip thereby hurting yourself in the process. It is recommended you go for rougher tiles to increase friction so you do not slip and fall.

Scratch-resistant
If you intend to use the tiles as a kitchen counter, obtain tiles that are not only glazed but scratch-resistant. Even if you do not want to use your counter as a chopping surface, you might set pots and pans on it once in a while and you wouldn’t want your tiles to get scratched in the process

Property Financing: Should I Take a Loan?

Funding any project is no doubt important. It can be very trying for a lot of people, causing them sleepless nights as they think of how to balance all the bills and yet finance the project at hand. Raising funds to buy a property is no different. One has the option of coming up with the money himself/herself or, better yet, securing a loan. Loans need to be repaid over a period of time and this scares people. But a loan might be just what you need to leap unto the next level. Here are some things to consider before sourcing for a loan:

Can you pay back?
This should be the first question you ask yourself before securing a loan. You must be brutally honest when answering this question, because you might require collateral to secure the loan. Problems will inevitably arise if you can’t repay your debt. It will suffice to project, if you run a business, how much you could make after the loan has been secured and put to use. This should be based on concrete, empirical evidence if I may add. For the employed, how much do you earn? Can you pay in installments over a period of time and still live comfortably?

Read the terms very carefully
The loan giver most likely has a legal document containing terms of the loan. Read this carefully and make certain to fully understand the terms before securing a loan. Is the interest rate exorbitant? Or can you get something better from elsewhere?

What if the worst happens?
This seems rather pessimistic, but you have to consider all possibilities. If you can’t repay the debt and you lose something else you had chosen as collateral, can you recover? If you can’t, and you are a hundred percent sure you can’t, it might be wiser to leave out the loan. To protect your sanity, that is