5 Powerful Reasons You Must Have a C of O in Nigeria Today
Introduction
When buying property in Nigeria, one of the most critical documents you must secure is the Certificate of Occupancy, commonly known as the C of O.
Whether you’re living in Nigeria or abroad, understanding the importance of this document can make the difference between a safe investment and a costly mistake.
In a vibrant and ever-growing market like Lagos, where real estate opportunities are booming, especially with trusted developers like Harmony Garden and Estate Development Limited, knowing how to protect your property rights is essential.
In this guide, we’ll explain what a C of O is, why it’s important, how it affects property ownership, and how companies like Harmony Garden and Estate Development Limited, in Lagos help investors, both local and in the diaspora, secure lands with genuine titles.
What Is a C of O (Certificate of Occupancy)?
The Certificate of Occupancy, commonly abbreviated as C of O, is an official legal document issued by the Nigerian government that proves that you legally own a parcel of land or property for a specified term, usually 99 years for residential or commercial land. It is governed by the Land Use Act of 1978, which vests all land ownership in the state governor, who then grants rights to individuals or organizations.
Without a C of O, your claim to land ownership is not fully recognized under Nigerian law, making you vulnerable to disputes, demolitions, or revocation.
Key Features of a C of O in Nigeria
- Authenticates Ownership: Confirms you are the legitimate owner.
- Describes the Property: Contains property details like size, location, purpose (residential, commercial, industrial).
- Protects Against Encroachment: Reduces the risk of third-party disputes or land grabbing.
- Enables Access to Loans: Acts as acceptable collateral for banks and financial institutions.
- Increases Property Value: Properties with a valid C of O often sell at much higher rates. This is another advantage of why you should choose Harmony Garden and Estate Development Limited for home, land, and property deals.
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Why You Need a C of O When Buying Property in Nigeria
1. Legal Protection
Owning a C of O protects you legally against future government acquisitions or third-party claims. Without it, you risk losing your investment.
2. Clear Title and Authenticity
A C of O certifies that the land or property was legally acquired and meets all government requirements. This is why Harmony Garden ensures that all its estates come with verifiable and genuine titles to give buyers complete peace of mind.
3. Higher Property Value
In Nigeria, properties with a C of O command higher resale value. Buyers trust such properties more, especially when dealing with developers like Harmony Garden who offer top-quality real estate solutions.
4. Loan Opportunities
For Nigerians living in diaspora looking to invest back home, having a C of O makes it easier to leverage their property as collateral for local financing, either for business expansion or building projects.
5. Avoid Government Revocation
In Nigeria, lands without proper documentation are at risk of being reclaimed by the government. A C of O protects your investment from such occurrences.
How to Verify a C of O in Nigeria
Before purchasing any property:
- Visit the State Land Registry where the property is located.
- Request a search using the C of O document number.
- Verify ownership and ensure there are no encumbrances (e.g., mortgages, litigations).
- Alternatively, work with trusted developers like Harmony Garden and Estate Development Limited who handle all verifications for clients.
Common Problems When You Don’t Have a C of O
- Risk of Land Disputes: Omo-onile issues (illegal land sellers).
- No Access to Infrastructure: Difficulties accessing public utilities without proper title documents.
- Property Demolitions: Risk of government demolition exercises.
No Legal Backing for Sale: You cannot legally transfer ownership to another person.
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C of O vs Other Land Titles: What’s the Difference?
| Title Type | What It Means | Common Use |
| C of O | Certificate showing official ownership | Residential and commercial land ownership |
| Governor’s Consent | Approval to transfer ownership of land with an existing title | Land resales |
| Deed of Assignment | Legal document transferring ownership | Buying secondary property |
| Excision | Release of land from government acquisitionah | Village lands being legalized |
When investing, especially as a diaspora Nigerian, it’s important to work with developers like Harmony Garden, who specialize in estates with clean titles, often complete with C of O or ready for easy perfection.
Why Diaspora Nigerians Must Pay Attention to C of O
Many Nigerians abroad want to invest in the booming real estate sector back home. However, stories of fraud and improper documentation abound. To secure your investment:
- Insist on buying properties with a valid C of O or at least properties developed by reputable firms like Harmony Garden.
- Consult legal experts familiar with Nigerian property law.
- Use trusted property managers to monitor your investment if you are not physically present.
Harmony Garden and Estate Development Limited is fully accredited and offers real estate products with authentic titles to safeguard the interests of both local buyers and Nigerians in diaspora.
How Harmony Garden Makes It Easy for You
- Genuine C of O Lands: All our estates, including Lekki Aviation Town, GranVille and others, have clear titles.
- Seamless Documentation: We handle all paperwork, giving you full ownership security.
- High-Value Locations: Strategically positioned properties that promise high returns.
- Trusted By Many: Recognized by IREM and LASRERA for professionalism and excellence.
When you invest with Harmony Garden, you’re not just buying land, you’re buying peace of mind.
FAQs About C of O in Nigeria
1. How long does it take to get a C of O in Lagos?
Obtaining a C of O in Lagos typically takes between 3 to 6 months if all documentation is complete and correct. However, working with reputable developers like Harmony Garden means you get properties that already have verified titles, saving you the long wait.
2. Can I buy land without a C of O in Nigeria?
While it is legally possible to buy land without a C of O (using documents like Excision or Gazette), it is highly recommended to invest in properties that already have a C of O or are in the process of obtaining one, to avoid future disputes. Companies like Harmony Garden offer you verified lands for stress-free ownership.
3. Does a C of O expire after 99 years?
Technically, yes, C of O grants are for a term of 99 years. However, when the term expires, the holder can apply for a renewal under Nigerian property laws, and it is usually granted without major issues, especially when all taxes and land use charges are paid.
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Conclusion
A Certificate of Occupancy (C of O) is not just a document, it is your security, your investment guarantee, and your future protection when buying property in Nigeria. Whether you’re a resident or a Nigerian in diaspora, understanding and insisting on a C of O is critical to making wise real estate decisions.
To ensure you’re making a safe, profitable, and future-proof investment, choose developers like Harmony Garden and Estate Development Limited, the trusted name for premium real estate in Lagos and beyond.
Secure your future today with a company that cares about your peace of mind!
