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10 Things To Know Before Buying a House In Abuja

Posted by Property List NG Admin on December 25, 2022

Things To Know Before Buying a House In Abuja

If you’re considering buying a home in Abuja, here are 10 things you need to know before buying a house in Abuja. 

These tips will help you make the best decision for your new home and start your Abuja home search on the right foot. 

Buying a house is a big decision, and it’s important to be well-informed before making such a significant investment. 

By researching and being well-informed, you can make an informed and confident decision when buying a house in Abuja. Here are the things you need to know before buying a house in Abuja.

10 Things On Buying a House In Abuja

1. Know the process of buying a house

When buying a house in Abuja, there are several steps you should follow to ensure a smooth and successful transaction. 

Step 1: First, you should demand and collect all relevant property title documents from the seller. It may include the deed to the property, any surveys or appraisals, and any other documents showing ownership or legal rights to the property.

Step 2: Next, it’s a good idea to engage a lawyer to investigate the seller’s title and conduct due diligence on the house. 

Your lawyer can conduct a search at the land registry to verify the property’s title and ensure that there are no issues that could cause problems later on.

Step 3: Once you have determined that the title is genuine, you and the seller can go ahead and prepare a contract of sale. 

This document should outline the terms of the sale, including the purchase price and any contingencies or conditions that must be met. You may also deposit or pay the full purchase price at this stage.

Step 4: Once the sale is complete, the seller or buyer will prepare and sign the necessary documents to convey the interest in the property, such as a deed of assignment or conveyance. 

Step 5: Finally, you can take steps to perfect the property title with the relevant land registry. 

2. Documents you need 

You may need several documents when buying a house in Abuja, Nigeria. Some of the most common documents may include the following:

  1. Approved survey plan: This is a detailed map of the property approved by the relevant government agency. It shows the boundaries of the property, as well as any structures or features on the land.
  2. Deed of assignment: This document transfers ownership of a property from one party to another and can be used to trace the ownership history of the house.
  3. Probate and letter of administration: These documents may be necessary if the property is sold by the executor of an estate or by someone appointed as the administrator of an estate. It protects the buyer in case the seller dies mid-transaction. 
  4. Certificate of occupancy: This document shows that a property has been approved for use as a residence. The local government may require it before you can move into the property.
  5. Governor’s consent: This document shows that the State Governor has approved or attested to transferring a property interest from one person to another. It is required by the Land Use Act of 1978 and is necessary for any transaction involving transferring or conveying a property interest.
  6. Power of attorney: This document gives someone the authority to act on your behalf in legal matters. It may be necessary if you cannot be present to complete the sale of the property.


3. Think of repair costs

It’s important to consider repair costs that may be necessary, including updating appliances, replacing old windows or doors, or fixing structural issues. 

These repairs can add up quickly and impact your budget, so it’s essential to know what repairs may be needed before making a purchase.

One way to estimate repair costs is to hire a home inspector to assess the property. A home inspector will examine the property and provide a report detailing any issues that need to be addressed. 

This can give you a better understanding of necessary repairs and help you budget accordingly.

4. Understand the tax implications

Understanding the tax implications of buying a house in Abuja, Nigeria, cannot be stressed enough. This includes both property taxes and any taxes that may be levied on the sale of the property.

Property taxes typically depends on the property’s value, and the amount of tax you pay will depend on the value of your property and the tax rate in your area.

It can include things like stamp duty, typically around 1.5 %. It’s a good idea to consult with a lawyer or tax professional to understand the full range of taxes that may apply to your property purchase in Abuja. 

5. Choose a trusted realtor.

A realtor is a licensed professional who can help you find the right property, negotiate the best price, and handle the paperwork and legal aspects of the transaction.

You should look for someone with a good community reputation and a proven track record of successful transactions. 

It’s also a good idea to choose a realtor who has a deep knowledge of the local real estate market and is familiar with the neighborhoods you are interested in within Abuja. Such dealers are well-rooted and can find you even the best flats to rent in Abuja at reasonable prices. 

Finally, you should consider the fees that the realtor charges. Most realtors work on a commission basis, but it’s important to understand the terms of the agreement before moving forward.

6. Have a budget

It’s essential to determine your budget as it will help you narrow your house search and ensure that you don’t overspend or end up with a property you can’t afford.

To determine your budget, consider your income, debts, and other financial obligations. You should also factor in the costs of owning a home, such as property taxes, insurance, and maintenance expenses.

Once you clearly understand your budget, you can start searching for properties that fit your financial means

7. What is the condition of the house?

When evaluating the condition of a house, you should consider factors such as the age of the property, the condition of the exterior, interior, and any visible damage or wear and tear. 

It is important to thoroughly inspect the condition of a house before purchasing it to ensure that you are aware of any potential issues and can budget for any necessary repairs or renovations. 

You can hire a professional home inspector to assess the condition of a house and identify any potential issues.

8. What is the neighborhood like? 

Is the neighborhood safe? What is the crime rate and proximity to emergency services? The house you want to buy should be conveniently located near your daily needs, such as work, school, shopping center, and transportation infrastructure. 

And most importantly, is the neighborhood a good fit for your lifestyle and preferences? Consider factors such as the type of homes in the area and the overall feel of the neighborhood.

Be sure to check if any zoning or building regulations could affect your use of the property. Investment-wise, find out if the neighborhood is likely to experience growth in the future and whether properties increase in value.

9. Closing costs

Closing costs are all the fees and expenses that are associated with the purchase of a property. These costs can vary depending on the price, the type of property purchased, and other factors, such as the type of mortgage used. 

Closing costs may include title insurance, legal, appraisal, and broker fees. In general, closing costs can range between 3%-6% of the property’s purchase price. 

10. Getting approved for a mortgage is important

Getting pre-approved for a mortgage is an important step in buying a house and can help you land the right 4 bedroom duplex in Abuja.

Pre-approval means that a lender has reviewed your financial information and has determined how much they are willing to lend you for a mortgage. 

This can help you know how much you can afford to borrow, making it easier to find a house w within your budget.


And there, you have 10 things to know before buying a house in Abuja.  

From researching the neighborhood and determining your budget to understanding the legal process and getting a home inspection, it is important to take the time to prepare thoroughly for this significant investment. 

Considering these 10 important things, you can make an informed and confident decision to help you achieve your goals and build a happy and successful future in your new home.

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