9jah team
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Seeded question. The 9jah team wrote this question and its answer on 2 September 2026 to start the site. The answer was checked on that date, but prices and rules in Nigeria change, so add what you know or correct it below.
Seller says the land has no C of O but has a deed. Is that safe?
A C of O is the state governor's grant of a statutory right of occupancy under the Land Use Act 1978, usually for 99 years. It is the strongest title a private person can hold and banks ask for it before lending against a property.
It is not the only valid title. A registered deed of assignment with Governor's Consent, or land inside a gazetted excision, can also be good title. A plain deed with no consent and no gazette is weak: it proves a sale happened but not that the seller had the right to sell.
Applying for a C of O takes months and costs vary by state; in Lagos it is done through the Lands Bureau. If you buy without one, budget for regularising the title before you build.
Checked by the 9jah team on 2 September 2026. Corrections welcome.
