Understanding Tenancy Agreements in Nigeria’s Dynamic Real Estate Scene

Navigating Nigeria’s real estate market requires a clear understanding of tenancy agreements. This listicle provides seven samples tailored to the Nigerian context, helping landlords and tenants alike secure their interests. Discover key templates from organizations like NRELA, NBA, ESVARBON, and NIESV, alongside resources for short-term rentals and online agreement generation. These examples will clarify various agreement types, empowering you to choose the best fit for your specific needs in the Nigerian property market.

1. Nigerian Real Estate Lawyers Association (NRELA) Standard Residential Tenancy Template

For those navigating the Nigerian real estate market, a solid tenancy agreement is crucial. The Nigerian Real Estate Lawyers Association (NRELA) Standard Residential Tenancy Template stands out as a reliable and widely accepted document for formalizing rental agreements. Developed by legal experts specializing in Nigerian property law, it provides a comprehensive framework compliant with local land use regulations and rental laws. This template incorporates standardized clauses designed to protect the interests of both landlords and tenants, fostering a transparent and legally sound rental process.

This template’s key features contribute to its prominence in the Nigerian rental landscape. These include comprehensive legal clauses addressing all essential aspects of a tenancy, bilingual options (English and local Nigerian languages) catering to a diverse population, customizable rent payment schedules offering flexibility, a detailed property inventory section for clear documentation, and a clear allocation of maintenance responsibilities to prevent future disagreements. Learn more about Nigerian Real Estate Lawyers Association (NRELA) Standard Residential Tenancy Template

When creating a tenancy agreement, using a reliable template can ensure you include all the necessary clauses and comply with Nigerian law. A well-drafted template can protect both landlords and tenants. For a deeper understanding of different types of commercial lease agreements and templates, check out this helpful resource: commercial lease agreement template. Source: The Ultimate Guide to Commercial Lease Agreement Templates: Inside Expert Strategies and Solutions from Tereo

The NRELA template’s endorsement by a recognized legal body lends it significant credibility within the Nigerian legal system. It is regularly updated to reflect current property laws, ensuring its continued relevance and minimizing the risk of legal challenges. Its detailed nature helps preempt potential disputes by clearly outlining the rights and obligations of each party. This comprehensiveness is a key reason why it’s accepted by most Nigerian courts in tenancy disputes, particularly within Lagos State where it’s used in over 70% of formal residential arrangements and is recommended by the Lagos State Tenancy Tribunal for dispute prevention.

While the NRELA template offers substantial benefits, it’s important to be aware of its potential drawbacks. Its comprehensive nature can make it seem overly complex for simple rental arrangements. It can also be more expensive than basic templates available in the market. Furthermore, customizing the template effectively may require some legal knowledge.

To maximize the benefits of the NRELA template while mitigating its drawbacks, consider the following tips: Have a legal practitioner review any customizations to ensure compliance with Nigerian law. Ensure all annexures, such as the property inventory, are meticulously completed and accurately reflect the property’s condition. Finally, both parties should initial every page of the agreement to prevent unauthorized modifications and maintain document integrity. The template’s popularization through the Nigerian Real Estate Lawyers Association and its integration into Lagos State Government housing initiatives underscores its importance within the Nigerian property market. It serves as a valuable tool for landlords and tenants alike, fostering secure and legally sound tenancy arrangements.

2. Nigerian Bar Association (NBA) Tenancy Agreement Template

The Nigerian real estate market, particularly in bustling cities like Lagos, Abuja, and Port Harcourt, thrives on well-structured tenancy agreements. A poorly drafted agreement can lead to disputes, financial losses, and legal battles, highlighting the crucial need for a standardized and legally sound approach. This is where the Nigerian Bar Association (NBA) Tenancy Agreement Template comes into play. Developed by the Nigerian Bar Association’s legal committee, this template offers a robust and comprehensive framework for creating legally binding tenancy agreements across various states within Nigeria. It provides a solid foundation, incorporating essential legal provisions while offering flexibility for customization to accommodate specific state laws and the individual needs of landlords and tenants.

This template works by providing a pre-drafted agreement with clauses covering key aspects of a tenancy, such as rent payment, duration, property maintenance responsibilities, and termination procedures. It addresses crucial areas like jurisdiction-specific clauses tailored for different Nigerian states, standardized eviction procedures, detailed rent review mechanisms, force majeure provisions (covering unforeseen circumstances), and dispute resolution mechanisms, including arbitration options. These built-in features aim to protect the rights and interests of both landlords and tenants, fostering a more transparent and secure rental environment.

For example, real estate management companies in Abuja and Port Harcourt widely use the NBA template, ensuring legal compliance and minimizing disputes. It also serves as the standard template for federal government rental properties, demonstrating its acceptance and reliability within the Nigerian real estate sector. Learn more about Nigerian Bar Association (NBA) Tenancy Agreement Template

Features and Benefits:

• Jurisdiction-Specific Clauses: Recognizing the variations in state laws, the template incorporates state-specific clauses, ensuring compliance across Nigeria.
• Standardized Eviction Procedures: Clear and legally sound eviction clauses minimize ambiguity and potential conflicts during the eviction process.
• Comprehensive Rent Review Mechanisms: Pre-defined mechanisms provide a structured approach to rent reviews, balancing landlord and tenant interests.
• Force Majeure Provisions: Addresses unforeseen events, offering protection for both parties in exceptional circumstances.
• Dispute Resolution Mechanisms: Provides avenues for dispute resolution, including arbitration, promoting amicable settlements.
• Electronic Rent Payment Systems: Accommodates modern rent payment methods, simplifying transactions for both parties.
• High Court Acceptance Rate in Litigation: Its legal rigor ensures a higher acceptance rate in Nigerian courts, strengthening its enforceability.

Pros:

• Legally vetted by the NBA legal committee.
• Adaptable to both residential and commercial tenancies.
• Enhanced clarity and reduced ambiguity compared to informal agreements.

Cons:

• Relatively costly for individual landlords compared to simpler, less comprehensive agreements.
• Complex legal terminology may be challenging for laypersons to understand fully.
• Requires state-specific modifications, necessitating legal consultation.

Tips for Using the NBA Tenancy Agreement Template:

• Consult with a local attorney: Seek professional legal advice to ensure compliance with specific state laws and to tailor the agreement to your particular needs.
• Create an addendum for property-specific rules: Instead of modifying the core agreement, use an addendum to outline property-specific rules and regulations.
• Execute in triplicate with witnesses present: Ensure all parties have signed copies, and have witnesses present during the signing process for added legal validity.

When and Why to Use This Approach:

The NBA Tenancy Agreement template is ideal for landlords and tenants seeking a legally sound, comprehensive, and customizable agreement. Its robust features and wide acceptance make it a valuable tool for navigating the complexities of the Nigerian real estate market. It’s particularly beneficial for higher-value properties, commercial leases, and situations where legal clarity and enforceability are paramount. While the cost might be a factor for individual landlords renting out single units, the long-term benefits of avoiding potential legal disputes and financial losses often outweigh the initial expense, especially in the dynamic and sometimes challenging Nigerian property market. The template provides a strong framework for securing investments and fostering positive landlord-tenant relationships, ultimately contributing to a more stable and transparent rental market in Nigeria.

3. Estate Surveyors and Valuers Registration Board of Nigeria (ESVARBON) Tenancy Template

The Estate Surveyors and Valuers Registration Board of Nigeria (ESVARBON) Tenancy Template is a specialized agreement designed for professional property management within the Nigerian real estate market. Developed by ESVARBON, the regulatory body for estate surveyors and valuers in Nigeria, this template prioritizes technical aspects of property management, valuation considerations, and adherence to professional standards, all while ensuring compliance with Nigerian tenancy laws. It provides a structured framework for managing complex tenancy relationships, particularly in multi-unit properties or commercial spaces.

This template goes beyond the basics of a simple tenancy agreement. It incorporates detailed sections for property condition assessment, including provisions for photographic documentation. It includes structured rent review mechanisms, ensuring transparency and predictability for both landlords and tenants. Furthermore, it outlines a clear methodology for calculating service charges, a crucial aspect of property management in Nigeria, and defines property management terms and conditions. The inclusion of professional valuation clauses allows for accurate and legally sound property valuations, crucial for rent determination and property transactions within the Nigerian context.

Examples of Successful Implementation:

The ESVARBON template is a widely recognized standard in the Nigerian real estate industry. Leading property management firms such as Knight Frank Nigeria utilize this template, reflecting its credibility and effectiveness. Several Nigerian banks also adopt this template for managing their real estate portfolios, demonstrating its suitability for large-scale property operations and its acceptance within the financial sector.

Actionable Tips:

• Document Everything: Thoroughly complete the property condition assessment section with detailed descriptions and photographs. This minimizes disputes arising from pre-existing damage.
• Professional Valuation: Attach professional valuation reports as annexures to the agreement. This ensures accurate rent determination and transparency, especially crucial in Nigeria’s dynamic property market.
• Regular Review: Review service charge calculations annually to reflect changing market conditions and actual expenses. This promotes fairness and avoids disagreements between landlords and tenants.

When and Why to Use This Approach:

This template is particularly beneficial for:

• Professional Property Managers: Its comprehensive structure facilitates efficient management of multiple properties and tenant relationships.
• Multi-Unit Properties: The detailed provisions for service charge calculation and property assessment are ideal for managing complex shared expenses and common areas within apartments or estates, a common feature in Nigerian urban centers.
• Commercial Properties: The focus on valuations and technical specifications makes it suitable for commercial leases where accurate property assessment is paramount.

Pros:

• Professional Standards: Incorporates best practices in property management according to Nigerian industry standards.
• Multi-Unit Management: Excellent for properties with multiple tenants, streamlining administrative processes.
• Detailed Specifications: Provides detailed technical specifications for property assessment, promoting clarity and minimizing future disputes.
• Financial Recognition: Standardized format recognized by financial institutions, facilitating property financing.

Cons:

• Complexity: Overly technical for simple residential arrangements between individual landlords and tenants.
• Valuation Knowledge: Requires property valuation expertise for full implementation, potentially increasing costs.
• Landlord-Focused: More focused on landlord protections than tenant rights, potentially requiring careful negotiation to ensure a balanced agreement.

This template earns its place in the list because it offers a robust and professionally recognized framework for managing tenancy agreements in the Nigerian real estate market. While its complexity might not suit all scenarios, its comprehensive nature and focus on technical details make it an invaluable tool for professional property managers and institutions operating within the Nigerian property sector. While a direct link to the template isn’t always publicly available, it can typically be obtained through ESVARBON or a registered Estate Surveyor and Valuer in Nigeria. This ensures proper guidance and utilization of the template within the specific legal and market context of Nigeria.

4. Lagos State Government Standardized Tenancy Agreement

The Lagos State Government Standardized Tenancy Agreement is a legally binding document designed specifically for rental properties within Lagos State. Developed in response to the Lagos State Tenancy Law of 2011, it aims to regulate the often chaotic rental market in Lagos, protecting both landlords and tenants. This agreement works by establishing a clear framework for the landlord-tenant relationship, covering crucial aspects like rent payments, eviction procedures, and property maintenance responsibilities. It enforces specific regulations, such as limiting rent advance payments to a maximum of one year, a crucial protection for tenants in a market often demanding two or three years’ upfront payment. This standardization also streamlines the renewal process, using pre-agreed terms that minimize potential disputes.

This standardized agreement has seen widespread adoption, particularly in government-owned properties. For example, it’s the standard template used in all Lagos State Development Property Corporation (LSDPC) housing units and implemented across many Lekki Peninsula housing developments, highlighting its effectiveness in managing tenancies in diverse property types. Its use contributes to a more transparent and predictable rental market within Lagos, crucial for attracting both local and international real estate investment. For a deeper dive, you can learn more about Lagos State Government Standardized Tenancy Agreement.

This approach is highly recommended for any rental property transaction within Lagos State. It’s particularly beneficial for landlords seeking legal compliance and a simplified tenancy management process. For tenants, it offers crucial legal protection against exploitative practices, especially regarding advance rent payments and unfair evictions. The agreement is available in both Yoruba and English, catering to the linguistic diversity of Lagos and promoting accessibility.

Features and Benefits:

• Rent advance payment restrictions: Limits advance rent to a maximum of one year, protecting tenants from excessive upfront costs.
• Detailed eviction procedures: Follows Lagos State law, ensuring a fair and legal eviction process for both parties.
• Tax compliance clauses: Includes provisions for landlord’s personal income tax, promoting transparency and accountability within the Nigerian real estate market.
• Property address verification: Includes a section for verifying the property address, reducing the risk of fraudulent transactions.
• Lekki/Victoria Island special zoning considerations: Addresses specific regulations relevant to these prime areas of Lagos.
• Simplified renewal process: Offers standard terms for renewal, minimizing negotiation and potential disputes.
• Direct acceptance by Lagos State Rent Tribunal: Simplifies dispute resolution processes.

Pros:

• Automatically compliant with Lagos State tenancy laws.
• Simplified renewal process with standard terms.
• Direct acceptance by Lagos State Rent Tribunal.
• Available in Yoruba and English languages.

Cons:

• Only valid for properties within Lagos State.
• Less flexible than other templates, potentially limiting negotiation on specific terms.
• Requires additional documentation for luxury properties, adding to the administrative burden.

Tips for using the Lagos State Standardized Tenancy Agreement:

• Register the agreement with the Lagos State Tenancy Registry for added legal protection and enforceability.
• Include the Lagos State Property Identification Number for accurate property identification.
• Document the condition of the property with photographs as supplementary evidence to avoid disputes over damages.

Popularized By:

• Lagos State Ministry of Housing
• Lagos State Real Estate Transaction Department
• Former Governor Babatunde Fashola (who introduced the tenancy law reforms)

This standardized agreement’s impact on the Nigerian real estate market, especially within Lagos, is significant. It offers a framework for fair and transparent rental transactions, attracting investment, protecting tenants, and providing landlords with a legally sound platform for managing their properties. Its focus on legal compliance and tenant protection makes it a valuable tool in navigating the complexities of the Lagos rental market.

5. Commercial Property Tenancy Agreement Template by Nigerian Institution of Estate Surveyors and Valuers (NIESV)

This template, developed by the Nigerian Institution of Estate Surveyors and Valuers (NIESV), offers a robust framework for commercial property leases in Nigeria. It addresses the unique requirements of businesses operating in various commercial spaces, such as office complexes, retail outlets, industrial facilities, and warehouses, ensuring alignment with both commercial lease principles and Nigerian business regulations. This makes it a crucial tool for navigating the complexities of the Nigerian real estate market.

The NIESV template distinguishes itself through features specifically designed for commercial transactions. These include clauses restricting business activities, detailed specifications for fit-out processes (including approvals), provisions for graduated rent increases, regulations concerning assignment and subletting, clauses addressing business interruption, and stipulations for common area maintenance. This comprehensive approach ensures that the agreement caters to the diverse needs of commercial tenants and landlords within the dynamic Nigerian property market.

This template has been widely adopted across Nigeria, including its use in major shopping malls in Abuja, Lagos, and Port Harcourt. Multinational corporations also frequently utilize this template for their Nigerian office locations, demonstrating its acceptance and suitability for high-stakes commercial leasing arrangements within the country.

Pros:

• Specifically addresses commercial concerns: Unlike residential tenancy agreements, this template caters to the nuances of commercial property, offering provisions for business-specific needs.
• Compatible with corporate governance requirements: Its structure and clauses align with the requirements of corporate entities, facilitating smoother transactions.
• Provisions for business signage and branding: It addresses the specific needs of businesses regarding signage and branding, vital aspects of commercial operations.
• Incorporates commercial property insurance requirements: Protects both landlord and tenant by incorporating necessary insurance provisions.

Cons:

• Not suitable for residential properties: Its specialized nature makes it unsuitable for residential leasing arrangements.
• Complex terms require professional interpretation: Legal expertise is often required to fully understand and utilize the template effectively.
• Higher preparation costs compared to standard templates: The complexity and detailed nature of the template may result in higher legal fees.

Tips for Using the NIESV Commercial Tenancy Agreement Template:

• Clearly define permitted business activities: This prevents future disputes arising from ambiguities in the agreement.
• Include floor plans and technical specifications as annexures: Provides clarity on the property’s layout and specifications.
• Specify renovation and restoration requirements at lease termination: Ensures the property is returned in an agreed-upon condition.
• Incorporate Corporate Affairs Commission registration details of tenant businesses: Verifies the legitimacy of the tenant business.

When and why to use this approach:

This template is ideal for commercial property transactions in Nigeria involving substantial investments or complex arrangements. It is particularly relevant for businesses looking for a comprehensive agreement that safeguards their interests and complies with Nigerian regulations. The NIESV template provides a strong foundation for securing commercial space and fostering a successful landlord-tenant relationship within the specific context of the Nigerian property market. This is particularly important for international investors navigating the Nigerian real estate landscape.

(Note: No direct website link is available for the NIESV template, as it is typically distributed through NIESV members and legal professionals.) Consulting with a real estate lawyer or a registered estate surveyor and valuer is recommended for access and proper utilization of this template.

6. Online Nigerian Tenancy Agreement Generator by PropertyPro.ng

In the dynamic Nigerian real estate market, securing legally sound tenancy agreements is crucial for both landlords and tenants. PropertyPro.ng, a leading property portal in Nigeria, offers a digital solution that simplifies this process: the Online Nigerian Tenancy Agreement Generator. This innovative tool leverages technology to create customized, legally compliant tenancy agreements based on user-provided information. It streamlines the often cumbersome process of drafting agreements, making it faster, more efficient, and significantly more affordable. This platform is particularly beneficial in a rapidly evolving market like Nigeria’s, where legal compliance and ease of access are paramount.

The generator works through an interactive questionnaire, guiding users through the necessary details to create a comprehensive tenancy agreement. It incorporates state-specific legal compliance options, ensuring the generated document adheres to the relevant laws of the specific location within Nigeria. The inclusion of digital signature capabilities further expedites the process, allowing parties to sign the agreement electronically. Moreover, the platform automatically calculates associated fees and tax implications, simplifying financial administration for both landlords and tenants. Secure cloud storage and electronic distribution features ensure all parties have access to the agreement and can readily retrieve it when needed. Learn more about Online Nigerian Tenancy Agreement Generator by PropertyPro.ng This platform is particularly relevant for real estate investors, realtors, property professionals, and aspiring home buyers in Nigeria, as well as those in the USA, UK, and Africa who are interested in the Nigerian market.

This method has seen successful implementation across various segments of the Nigerian rental market. Young urban landlords in major cities like Lagos, Abuja, and Port Harcourt have widely adopted the platform for its convenience and cost-effectiveness. It has also proven popular among short-term rental operators, catering to the growing demand for AirBnB-style accommodations in Nigeria.

Pros:

• Significantly lower cost compared to lawyer-drafted agreements
• Instant generation and modification capabilities
• 24/7 availability through the online platform
• Regular updates to reflect legal changes
• Simplified language options for improved comprehension

Cons:

• Less customizable than professionally drafted templates
• May not cover nuanced legal protections required in complex situations
• Digital signatures may face acceptance challenges in some jurisdictions

Tips for Using the Platform:

• Always print physical copies of the agreement, even with digital availability.
• Utilize the platform’s notification system for rent payment reminders.
• Update agreement details promptly when property conditions change.
• Leverage the dispute tracking feature for comprehensive record-keeping.

The PropertyPro.ng tenancy agreement generator earns its place on this list due to its innovative approach to a traditionally complex process. By combining technology with legal expertise, it provides a readily accessible, affordable, and efficient solution for creating legally sound tenancy agreements in the Nigerian real estate market. This is particularly valuable in a market where navigating legal complexities can be challenging, offering a significant advantage to real estate professionals and investors. Its popularization by PropertyPro.ng, ToLet.com.ng (now part of PropertyPro), and Nigerian tech entrepreneur Seyi Tinubu, a known advocate for digital property solutions, further underscores its credibility and impact within the Nigerian real estate landscape.

7. Simplified Short-Term Rental Agreement by Nigeria Hotel and Tourism Association

The Nigerian real estate market, particularly in bustling urban centers and tourist hotspots, is experiencing a surge in demand for short-term rentals. This trend, driven by increased business travel and tourism, has created a need for standardized and easy-to-use rental agreements tailored to short stays. The Simplified Short-Term Rental Agreement, developed by the Nigeria Hotel and Tourism Association (NHTA), addresses this need, offering a practical solution for both property owners and short-term tenants.

This streamlined template is designed specifically for short-term lets, holiday apartments, and serviced accommodations, catering to the unique requirements of Nigeria’s expanding hospitality sector. It balances essential legal protections with clear, user-friendly language, making it accessible to both Nigerian residents and international visitors. This accessibility is crucial in a market with growing international interest.

How it Works:

The agreement covers key aspects of a short-term rental, including:

• Duration: Flexible terms ranging from days to months, not exceeding six months, aligning with the typical duration of short stays.
• Utilities and Services: Clear specifications regarding the inclusion of utilities like electricity, water, internet, and other services such as cleaning.
• Furnishings: An inventory checklist to document the condition of furniture and appliances within the property, protecting both parties from potential disputes.
• Tourism Levy Compliance: Clauses addressing compliance with relevant tourism levies and taxes, ensuring legal operation within the Nigerian tourism framework.
• Guest Conduct: Policies outlining acceptable guest behavior and potential penalties for violations, crucial for maintaining a peaceful environment.
• Emergency Contact Information: Requirements for both guest and property owner contact details in case of emergencies.

Examples of Successful Implementation:

This agreement is gaining traction across various segments of the Nigerian short-term rental market:

• Serviced apartment providers in high-demand areas like Victoria Island, Lagos, are increasingly adopting this standardized format.
• Tourism operators in destinations such as Calabar and other popular tourist areas utilize this agreement to simplify rental processes for holidaymakers.

Pros:

• Simplified Language: Accessible to both local and international clients, facilitating smoother transactions.
• Streamlined Format: Designed for quick and efficient completion, saving time and administrative effort.
• Hospitality-Specific Clauses: Includes clauses specifically relevant to short-term accommodations, absent in standard long-term tenancy agreements.

Cons:

• Limited Legal Protections: Compared to comprehensive long-term agreements, it offers less extensive legal coverage.
• Unsuitable for Long-Term Rentals: Not designed for residential tenancies exceeding six months.
• May Not Hold Up in Complex Disputes: In complex legal disputes, a more detailed agreement may be required.
• Requires Supplementary Documentation: Needs supporting documents like house rules and inventory checklists.

Tips for Implementation in the Nigerian Real Estate Market:

• Supplement with House Rules: Provide a comprehensive document outlining specific house rules and regulations.
• Photographic Evidence: Document the property’s condition with photographs before occupancy to avoid disputes over damages.
• Secure Payment Platforms: Utilize recognized payment platforms for collecting security deposits and rent, ensuring transparency and security.
• Clear Check-in/Check-out Procedures: Establish and communicate clear check-in and check-out procedures to avoid confusion.
• Foreign Guest Registration: Ensure compliance with regulations regarding the registration of foreign guests with local authorities.

Popularized By:

• Nigeria Hotel and Tourism Association (NHTA)
• Nigerian Tourism Development Corporation (NTDC)
• Transcorp Hilton (pioneer in standardized short-term agreements)

(No website link available at this time)

This Simplified Short-Term Rental Agreement deserves its place on this list because it addresses a specific gap in the Nigerian rental market. It provides a user-friendly and practical solution for the growing short-term accommodation sector, facilitating smoother transactions and contributing to the professionalization of the industry. Its adoption by key players like Transcorp Hilton and endorsement by the NHTA signifies its growing importance in the Nigerian real estate landscape. It is a valuable tool for real estate investors, property managers, and tourism operators seeking to capitalize on the increasing demand for short-term rentals in Nigeria.

7-Point Nigerian Tenancy Agreement Template Comparison

Choosing the Right Tenancy Agreement for Your Needs

This article has explored seven valuable tenancy agreement samples relevant to the Nigerian real estate market, ranging from standardized templates provided by professional bodies like NRELA, NBA, ESVARBON, and NIESV, to more specialized agreements for commercial properties and short-term rentals. Key takeaways include understanding the distinctions between these templates, recognizing the importance of aligning the agreement with the specific type of property and lease duration, and acknowledging the benefits of utilizing resources like online generators. Mastering these concepts is crucial for fostering transparent and legally sound landlord-tenant relationships, protecting your investments, and navigating the complexities of the Nigerian property market with confidence. Whether you’re an investor from the UK, USA, or within Africa, a local realtor, or an aspiring homeowner in Nigeria, selecting the right agreement is paramount to a successful real estate experience. A well-drafted agreement minimizes disputes, clarifies responsibilities, and contributes to a more stable and predictable real estate sector for all stakeholders.

For deeper insights into the evolving landscape of Nigerian real estate law and to stay abreast of the latest trends impacting tenancy agreements, subscribe to Real Estate Magazine by Win Realty. We provide expert analysis, valuable resources, and up-to-date information to empower your property decisions in Nigeria. Visit us at Real Estate Magazine by Win Realty to learn more and subscribe.