Published on and written by Cyril Jarnias
For years, the Nigerian real estate market has attracted developers, individuals, companies, and foreign investors. But behind the apparent dynamism of cities like Lagos, Abuja, or Port Harcourt lies a dense legal environment, sometimes confusing, where federal rules, state laws, customary law, and sectoral regulations mix. Failing to master them exposes one to disputes, loss of investment, or even criminal prosecution.
Before any commitment, it is crucial to understand who controls the land, how to prove ownership, what the rights of foreigners are, what permits are required to build, what taxes apply, and what recourse exists in case of dispute. This guide offers a structured overview of the essential rules, without substituting for professional legal advice.
The Foundation of Land Law: The Land Use Act and the Constitution
Any real estate analysis in Nigeria begins with two texts: the 1999 Constitution and the Land Use Act of 1978. The latter is so fundamental that it is considered enshrined in the Constitution, making it particularly difficult to amend.
The Land Use Act abolished freehold land ownership, replacing it with a leasehold system. In practice, all land within a State’s territory is “vested” in the Governor, who holds it in trust for the benefit of the citizens. Individuals and companies are therefore no longer absolute owners of the soil, but holders of rights of occupancy, typically for a maximum term of 99 years.
This framework aims at several historical objectives: to unify highly disparate land tenure systems between the North and South, to facilitate access to land for development, to limit speculation, and to enable the State to more easily acquire land for infrastructure and public projects. In practice, it has also introduced strong centralization and wide discretion for governors.
Rights of Occupancy and the Governor’s Role
The Land Use Act distinguishes two main categories of rights:
Nigerian land law mainly distinguishes two types of occupancy rights. The first is the **statutory right of occupancy**, granted by the Governor and primarily concerning urban areas. The second is the **customary right of occupancy**, granted by local governments and mainly concerning rural areas intended for agriculture or traditional residential use.
Persons who already held valid land rights before 1978 are deemed to have received, by operation of law, a corresponding right of occupancy (statutory in urban areas, customary in rural areas).
Proof of this statutory right relies on a central document: the Certificate of Occupancy (C of O), issued by the Governor. It specifies, among other things, the designated use of the plot (residential, commercial, industrial, mixed-use) and contains clauses and obligations, such as the requirement to commence construction of a permanent structure within a certain period (e.g., two years in Lagos).
Governors retain strong prerogatives:
– Power of revocation of a right of occupancy for “overriding public interest” (roads, infrastructure, public facilities, mining, etc.);
– Ability to withdraw a right in case of serious breach of the title’s conditions (non-payment of fees, violation of planning rules);
– Fixing of land rents (ground rent) and approval of rights transfers.
In the case of compulsory acquisition for public purposes, the legal compensation covers only the value of “unexhausted improvements” (buildings, crops), excluding the intrinsic land value, a point long criticized by affected owners and communities.
Statutory vs. Customary Tenure: A Dualism Source of Conflict
Nigeria maintains a dual system:
– A statutory regime, based on the Land Use Act and state laws, applicable mainly in urban areas;
– A customary regime, based on the traditional rules of communities, particularly on rural lands.
Under the customary regime, land often belongs to the community, the village, or the family, with the family or community head as the custodian. Individual rights are limited to the use and enjoyment of the allocated plot. Any alienation without the consent of other members is generally invalid.
This overlap between customary and statutory titles, often poorly understood, explains a large part of land disputes: multiple sales of the same plot, challenges to the family head’s authority, late claims of ancestral rights, etc. Hence the crucial importance of due diligence before any purchase, even when a document such as a C of O is presented.
Holding, Selling, or Mortgaging Property: Consents and Registration
In Nigeria, the value of a real estate asset depends as much on the title document as on compliance with registration formalities. A deed that is not “perfected” (unregistered or without required consent) may be considered incomplete and expose the purchaser to the loss of their rights to a more diligent third party.
The Key Principle: Governor’s Consent
Section 22 of the Land Use Act is unambiguous: the holder of a statutory right of occupancy cannot assign, mortgage, lease (beyond certain durations), or otherwise alienate their right without the prior consent of the Governor. This principle applies to Nigerians and foreigners alike.
In practice, this consent is often sought after signing the deed of assignment and handing over possession. A notary is not mandatory, but the deed must be in writing, in the form of a deed (Deed of Assignment for a sale, Deed of Lease/Sublease for a long-term lease, Deed of Mortgage for a secured loan).
The absence of Governor’s Consent may render the transaction void or, at best, create only an equitable interest difficult to enforce against a third party who has completed all formalities.
Case Law (Savannah Bank v. Ajilo)
In some cases, the C of O itself contains a clause prohibiting any alienation within the first ten years without first offering the property to the State. Selling during this period often incurs additional fees (in practice around 1.5% of the property’s value) when registering the transfer.
Who Must Consent to a Sale or Lease?
Beyond the governor, other parties must sometimes give their approval for the transfer to be valid:
For a real estate transaction to be valid, consent must be obtained from the appropriate person or entity depending on the situation: all co‑owners or joint titleholders; the spouse only if they are a registered co‑titleholder (no general “spousal consent” requirement under federal law if the spouse is not on the title); for a company, the board of directors or shareholders’ meeting when it is a major transaction representing 50% or more of the asset (CAMA 2020 requires 75% approval of votes cast); the liquidator in the case of a company in liquidation; for an estate, all the executors or administrators duly appointed and vested by the court (grant of probate / letters of administration); where there is a right of reversion in favor of an “over‑lord” or head‑lessor, their agreement as per the provisions of the head lease.
Ignoring any of these consents exposes one to actions for nullity, damages, or even prosecution in case of fraudulent maneuvers.
Perfection of Title: Steps and Timelines
Transforming an “equitable” right arising from a contract into a “legal” right enforceable against all requires going through three classic steps, often summarized by the term perfection of title:
1. Governor’s Consent (or the relevant minister’s consent for certain federal lands, e.g., in the FCT Abuja or certain areas of Ikoyi). 2. Stamp Duty on the deed within the prescribed period (often 30 days), under penalty of fines. 3. Registration of the deed at the State Land Registry (in some States, the law imposes a 60-day deadline).
The table below illustrates, for Lagos for example, the typical structure of fees related to title perfection, calculated as a percentage of the property’s fair market value (FMV):
| Type of Fee | Indicative Percentage (Lagos) |
|---|---|
| Stamp Duty on Deed of Assignment | ~0.5% of FMV |
| Governor’s Consent | ~1.5% of FMV |
| Registration Fees at Land Registry | ~0.5% of FMV |
| Survey Fee (state survey fee, special cases) | ~5% of FMV (some cases) |
In addition to these amounts are legal fees, possible agent commissions, as well as any arrears of land taxes or rents that must be cleared before registration. On many transactions, the total transfer costs can easily represent between 20% and 30% of the purchase price, depending on the State and the complexity of the file.
Investing as a Foreigner: Possibilities and Limits
Nigeria does not close its real estate market to non‑nationals, but their access to land is governed by federal legislation and specific state laws, particularly in Lagos, the country’s main economic hub.
Status of Aliens and Laws on Acquisition by “Aliens”
The Constitution guarantees every Nigerian citizen the right to acquire and hold immovable property anywhere in the federation. For non‑Nigerians, several texts establish a more restrictive regime.
In Lagos State, the Acquisition of Lands by Aliens Law (ALAL) requires foreigners – including companies where the majority of shareholders are foreigners – to obtain the prior written consent of the Governor to acquire a land interest. Exceptions exist for short‑term rights: the consent requirement does not apply to interests of less than one year (and, in some formulations, less than three years, including renewal).
Maximum duration, inclusive of renewal, of a real estate concession a non‑Nigerian can obtain in Lagos according to LASRERA law.
Furthermore, a foreigner who has legally acquired a right cannot transfer it to a third party without having first offered it to the State, which reduces their exit strategy flexibility.
Bypassing the Restriction via a Nigerian Company
One of the most common routes for international investors is to establish a company registered in Nigeria, which then, in the eyes of the law, becomes a subject equivalent to a citizen for land acquisition, provided its memorandum and articles of association permit it.
Key provisions of the Nigerian Investment Promotion Act (NIPA) of 1995 concerning foreign investment.
NIPA allows non‑Nigerians to invest and participate in any enterprise, without general sectoral limitation, subject to specific laws (oil, security, etc.).
A company registered in Nigeria can acquire land as a national entity, even if its shareholders are predominantly foreign.
This structuring via a local company is nevertheless subject to other regulations: CAMA 2020 for corporate governance, reporting obligations to the Corporate Affairs Commission (CAC), anti‑money laundering rules (SCUML), and, for certain vehicles like Real Estate Investment Trusts (REITs), supervision by the Securities and Exchange Commission (SEC).
Financing, Titles, and Risks Specific to Foreigners
Access to mortgage credit for non‑residents remains difficult: few banks grant loans at often high interest rates (18–22% p.a.) and require significant down payments, proof of income, a local bank account, and, in some cases, a valid residence permit.
The risks for foreigners are broadly the same as for nationals – dubious titles, double sales, customary conflicts – but significantly aggravated by distance, lack of on‑the‑ground knowledge, and the scarcity of title insurance. Hence the importance, even more than for a local, of using a specialized law firm, a licensed surveyor, and a trusted real estate advisor.
Regulation of Actors and Projects: Focus on Lagos
Lagos accounts for a large portion of the country’s real estate transactions. The State has established a dense legislative arsenal, which often serves as a reference for other States.
LASRERA: Regulating Agents, Developers, and Managers
The Lagos State Real Estate Regulatory Authority (LASRERA) was established to register and supervise intermediaries (agents, brokers, developers, property managers). Any individual or corporate entity wishing to engage in this activity in Lagos must obtain an annual permit, under penalty of a fine of up to at least NGN 250,000 for an individual and NGN 1,000,000 for a company.
For an individual agent, requirements include:
– Nigerian nationality (or valid work permit for a foreigner);
– Majority (at least 18 years old);
– Registration number with the Lagos State Residents Registration Agency (LASRRA);
– Professional premises located in Lagos;
– Minimum educational level (WASC, GCE, NECO);
– Keeping of transaction records and a separate client account;
– Tax Clearance Certificate for the past three years;
– Registration of business name with the CAC.
Companies must prove their registration with the CAC, tax compliance, and, where applicable, work permits for foreign directors.
LASRERA also sets commission caps: an agent cannot charge more than 10% of the rent or sale price. If several professionals are mandated for the same transaction, their combined commissions cannot exceed 15%.
Urban Controls and Combating “Omo‑onile”
Lagos has also adopted the Lagos State Properties Protection Law (2016) to tackle the practices of “Omo‑onile”, these groups or families who present themselves as customary landowners and engage in multiple sales of the same land, extortion, or violence on construction sites. This law criminalizes fraudulent sales, illegal occupation, forcible entry, threats, and other land‑related offenses, with fines and imprisonment as penalties.
In Lagos, the Lagos State Physical Planning Permit Authority (LASPPPA) and the Lagos State Building Control Agency (LASBCA) are responsible for enforcing building permits and safety standards. They have the power to stop a construction site, impose fines, and even demolish buildings constructed without a permit or in serious violation of planning rules.
The regular collapse of buildings under construction, sometimes fatal, has led authorities to strengthen compliance checks with the National Building Code and local regulations.
Tenancy Law: Regulating Rents and Landlord‑Tenant Relations
Relations between landlords and tenants are governed by specific laws in each State. In Lagos, the Tenancy Law 2011 plays a pioneering role. It applies to most residential and commercial premises, except for certain high‑end areas (Ikoyi, Victoria Island, Ikeja GRA, Apapa) and certain institutional premises (university residences, hospitals, care centers, etc.).
One of its key contributions concerns rent paid in advance:
Nigerian law strictly limits the amount of rent that can be demanded or offered in advance. For a sitting tenant, a landlord cannot ask for more than 6 months’ rent for a monthly tenancy, nor more than one year for a yearly tenancy. For a new tenant, the cap is a maximum of one year’s rent. It is illegal for any party (landlord, agent, or tenant) to offer or accept an amount exceeding this. Non‑compliance with these rules constitutes an offense punishable by a fine of NGN 100,000 or three months imprisonment.
The law also requires the landlord to issue a rent payment receipt, under penalty of a fine, and sets minimum notice periods for termination depending on the type of tenancy (weekly, monthly, quarterly, yearly). Often, in practice, contracts stipulate adjusted notice periods (one month, three months, six months), but failure to comply with the legal rules may invalidate a notice to quit.
Attempts to more drastically regulate rents, particularly through proposed capping laws or limits on rent advances in the FCT Abuja and at the federal Senate, reflect the social sensitivity of the issue in a context of high urban pressure.
The table below summarizes some common major principles of Tenancy Law‑type laws:
| Aspect | General Principles (e.g., Lagos) |
|---|---|
| Form of Lease | Written mandatory beyond 6‑12 months |
| Rent Advance (new tenant) | Max. 1 year for a yearly tenancy |
| Rent Advance (sitting tenant) | 6 months (monthly), 1 year (yearly) |
| Quit Notice (yearly tenant) | 6 months minimum, unless a valid contrary clause |
| Tenant Recourse Against Excessive Increase | Application to court for review |
| Landlord Recourse for Arrears | Notice to quit + legal action |
Building and Developing: Planning Permits and Technical Control
Buying land does not give free rein to build anything. Nigeria has an arsenal of town planning and environmental laws, at both federal and state levels, regulating land use and real estate projects.
Building Permit: A General Requirement
The Nigerian Urban and Regional Planning Act of 1992, adapted locally by state planning laws (e.g., the Lagos State Urban and Regional Planning and Development Law), requires obtaining a development / planning permit before any physical development in an urban area.
The notion of “development” is broad: it covers not only buildings but also kiosks, stalls, drains, structures above or below ground. This obligation applies to both new constructions and certain major renovations or change of use.
The standard procedure includes: the implementation of clear and precise measures to guarantee operational efficiency.
To obtain a building permit in Nigeria, the applicant must follow a multi‑step procedure. Firstly, they must submit a planning information request to verify zoning, permitted uses, and that the land is not reserved for a public project. Next, they must file a complete application dossier including the title document (e.g., a C of O or a Deed of Assignment with Governor’s Consent), a survey plan, and architectural, structural, electrical, and mechanical plans prepared by licensed professionals (ARCON‑registered architects, engineers, planners). Payment of various fees (registration, development, security, amenity) is also required. Finally, depending on the project, specific reports may be required, such as a Physical Planning Technical Report for large projects, an Environmental Impact Assessment for projects with significant environmental impact, or reports from fire or police services for petrol stations.
In theory, the statutes set a maximum period of three months to decide on an application, with some States like Lagos announcing issuance targets of ten working days for complete files. In practice, delays and back‑and‑forth are common.
A permit generally becomes lapsed if work does not commence within a period (e.g., two years), but it is often possible to revalidate it upon payment.
Construction Site Monitoring, Compliance, and Sanctions
Planning and building control authorities conduct inspections at key stages: site layout, excavation, foundation level, lintels, slab formwork, roofing, then final inspection. Compliance with the National Building Code and local regulations is checked.
In case of irregularities (lack of permit, height violation, illegal encroachment on a right‑of‑way, non‑compliance with setbacks, etc.), the agencies may:
– Issue an enforcement notice with a stop work order;
– Impose fines (e.g., up to NGN 250,000 in Lagos for certain breaches) or corrective works;
– Order, as a last resort, the demolition of all or part of the structure at the owner’s expense.
There are, however, procedures for regularization (“as‑built / regularization approvals”) for already constructed buildings without authorization, subject to payment of heavy penalties and provided the structure complies, a posteriori, with essential standards (safety, setbacks, zoning).
Appeal committees or specialized planning tribunals (at federal and state levels) allow contesting agency decisions, potentially before recourse to the High Court.
Real Estate Taxation: Transaction Taxes and Recurring Charges
Real estate in Nigeria is subject to a mosaic of federal and state taxes, partially restructured by the Nigeria Tax Act 2025 (scheduled to take effect in 2026). Understanding this taxation is essential to calculate the real cost of a transaction.
Taxes on Property Transfers
During a purchase or sale, several taxes come into play:
The maximum capital gains tax rate for individuals, aligned with personal income tax brackets from 2025.
In practice, almost all of these taxes and fees are borne by the purchaser, unless negotiated otherwise. Exemptions exist for intra‑group restructuring (subject to holding period and continuity conditions), for assets held by “labeled” startups, or for small amounts (less than NGN 10 million for certain stamp duties).
Recurring Taxes: Land Charges, Rent, Rental Income
Once an owner, several annual and recurring charges apply:
Owners and investors must anticipate several recurring charges. In addition to the ‘Ground Rent’ stipulated in the title (C of O), the ‘Land Use Charge’ (or Tenement Rate) is an annual property tax managed by States and local governments, calculated on the property’s value (e.g., 0.76% for commercial assets in Lagos under the 2018 law, with possible deductions). Local fees such as ‘Neighbourhood Improvement Charges’ and ‘Business Premises Charges’ may also apply for operating a business.
Rents paid by tenants are subject to a Withholding Tax deduction of 10% when the tenant is a company, which constitutes a tax credit for the landlord. Rental income is taxed under personal income tax (individuals) or corporate income tax (companies), with rates varying by company size: 0% for very small companies (turnover less than NGN 25 million), 20% for medium companies (NGN 25–100 million), 30% above that.
Specific schemes, such as those for Real Estate Investment Companies (REICs) and REITs, offer favorable taxation: exemption from corporate tax on rental income or dividends distributed to at least 75% to holders, exemption from certain withholding taxes, etc., subject to meeting conditions set by the SEC and tax laws.
The following table summarizes the main taxes involved in a typical transaction (excluding 2025 reforms, for simplicity):
| Type of Tax / Fee | Indicative Rate | Main Legal Basis |
|---|---|---|
| Capital Gains Tax | 10% of net gain (pre‑NTA 2025) | Capital Gains Tax Act |
| Stamp Duty (deed of assignment) | 0.075–1.5% of value | Stamp Duties Act, state laws |
| Stamp Duty (legal mortgage) | 0.375% of loan amount | Stamp Duties Act |
| Consent + Registration fees | 2–4% of value | State Land Instrument Registration Laws |
| VAT on land sale | 0% (exempt) | Finance Act 2020 |
| Withholding Tax on rent | 10% | General tax rules |
Consumer Protection and the Role of Federal Regulators
The real estate sector is not limited to land and construction: it involves banks, mortgage companies, insurers, agencies, and developers. Several federal authorities intervene to regulate practices and protect consumers.
FCCPA: Consumer Rights in Real Estate Transactions
The Federal Competition and Consumer Protection Act (FCCPA) 2018 replaced the old Consumer Protection Council Act. It defines and protects a wide range of rights, applicable to all commercial activities in the territory, including real estate services:
Nigerian law protects consumers through several fundamental rights: the right to clear information and price transparency (in local currency, with an obligation to honor the lowest advertised price), the right to a fair description of goods (including used ones), freedom to choose suppliers (without abusive tied selling), the right to return and refund for non‑conforming goods. It prohibits unfair clauses, requires highlighting clauses limiting liability, and renders void clauses excluding liability for gross negligence or depriving the consumer of their fundamental rights.
In real estate, these principles translate into obligations for developers and agents not to oversell projects, not to lie about a building’s condition, to provide readable contracts, and to establish complaint handling mechanisms. Consumers can address complaints directly to the company, the relevant sector regulator (e.g., CBN for a mortgage bank), the Federal Competition and Consumer Protection Commission (FCCPC), or the courts.
Sanctions under the FCCPA are significant: up to five years imprisonment or a NGN 10 million fine for an individual, and at least NGN 100 million or 10% of turnover for a company.
CBN and Protection of Mortgage Borrowers
The Central Bank of Nigeria (CBN) supervises banks and financial institutions, including Primary Mortgage Banks (PMBs). Its Consumer Protection Framework imposes minimum standards on the institutions it regulates:
Consumers benefit from key protections when taking out a loan. They have the right to fair and non‑discriminatory treatment, as well as adequate information on products, including their terms, costs, and risks. Lenders must apply **responsible lending** rules, particularly by assessing repayment capacity. In case of dispute, complaints are managed within strict timelines: responses to inquiries within five working days, and decisions on waiver requests within ten days (beyond which the waiver is deemed granted). Finally, a **cooling‑off period** of three working days applies to certain contracts, allowing the consumer to withdraw without penalty.
Substantial fines are prescribed for non‑compliance (e.g., NGN 500,000 per unresolved complaint per week, NGN 2 million for failure to acknowledge receipt, daily penalties for false reports).
For a real estate loan, these rules strengthen buyer protection against a lender or mortgage bank, particularly regarding interest rate transparency, penalties, foreclosure conditions, and recourse.
Due Diligence: The Key to Avoiding Bad Surprises
Given the legal framework’s complexity and frequent risks (fake titles, multiple sales, family disputes, seizures, unannounced public projects), prior verification is mandatory for any serious acquisition.
Main Checks to Perform
In practice, buyers engage a specialized lawyer to coordinate a series of checks:
A series of legal, administrative, and physical checks indispensable for securing a real estate transaction and avoiding future disputes.
Check the registered owner, nature of title (C of O, Deed of Assignment, etc.), mortgages, cautions, encumbrances, and status regarding government acquisitions.
Ensure the survey plan physically matches the land and verify it is not reserved for a public utility project (road, facility).
If the seller is an heir, check the authenticity of the letters of administration or grant of probate at the Probate Registry.
Inquire about any ongoing proceedings concerning the property (boundary disputes, claims, injunctions) or involving the seller.
If the seller is a company: examine its legal status, directors, charges on its assets, and its statutory capacity to sell.
Verify actual occupation (squatters, tenants), identify customary challenges, and interview neighbors about the land’s history.
Ensure constructions have the necessary authorizations, comply with zoning rules, and that no demolition order is in effect.
The table below summarizes these steps:
| Type of Check | Main Objective | Source / Authority |
|---|---|---|
| Land Registry Search | Ownership, encumbrances, land status | State Lands Bureau |
| Survey Plan Verification | Geometric consistency, encroachments, reservations | Office of the Surveyor‑General |
| Probate Registry Search | Validity of succession titles | High Court (probate division) |
| Litigation Search | Disputes, injunctions, claims | Court registries |
| CAC Search | Capacity and charges of the selling company | Corporate Affairs Commission |
| Permit & C of O Check | Use/zoning compatibility, authorizations | Planning and construction authorities |
| Site & Neighborhood Inspection | Actual occupation, customary conflicts, risks | Observation and informal interviews |
Essential Contractual Clauses
Even after thorough due diligence, the contract itself remains the buyer’s best protection. Specialists recommend including:
To secure a real estate transaction, it is crucial to include in the deed of sale warranties of title (absence of undisclosed encumbrances, freedom to dispose of the property, assistance with title perfection), representations on compliance with building permits and regulations, as well as an indemnity clause from the seller in case of title defect or misrepresentation. The contract should also provide a precise mechanism for remedying defects (timeframes for cure, termination options, penalties), provisions relating to insurance (fire cover, liability insurance, construction all‑risk insurance for building projects), and a dispute resolution mechanism (mediation, arbitration, territorial jurisdiction of courts).
In case of breach, the buyer can generally obtain contract rescission and damages. When the seller’s representations amount to fraud (deliberate lies about title, nature of the property, or encumbrances), criminal prosecution may be added.
Expropriation, Environment, and Liability
The State always retains the power to acquire land compulsorily for reasons of public interest, under the Land Use Act (section 28) and the Constitution. Owners are entitled to prompt payment of compensation, but the valuation criteria (replacement value of improvements rather than total land value) are frequently debated.
The Environmental Impact Assessment Act of 1992 requires impact studies for certain projects (large estates, factories, major infrastructure). They must be filed with the federal Ministry of Environment or state authorities and can lead to strict prescriptions on waste management, pollution risks, and protection of local communities.
Owners, tenants, and occupants also have direct responsibility for the habitability of their premises and can be held liable for pollution or contamination, except where such damage is exclusively attributable to a third party without any contribution from them.
The real estate laws and regulations to know in Nigeria form a dense, sometimes confusing, but far from anarchic set. Some key ideas emerge:
In Nigeria, land ownership is based on rights of occupancy, with the State as guarantor. The legal framework is defined by the Land Use Act and the Constitution, supplemented by specific state regulations. Any significant transaction requires the Governor’s Consent and registration at the Land Registry. Foreign investors are permitted under conditions (limited durations, approvals) and are well‑advised to operate through a local company. A project’s success depends on strict adherence to planning rules, permits, and technical standards. Real estate taxation is evolving, with rationalization but an increase on capital gains. Consumers benefit from protections via the FCCPA, the central bank (CBN), and authorities like LASRERA.
In this context, the best strategy for an investor – local or foreign – is to consider the law not as an after‑the‑fact constraint, but as a central dimension of the project, to be integrated from the earliest discussions. Working with seasoned professionals, anticipating administrative delays, budgeting for real taxes and fees, and never neglecting due diligence are the essential conditions for turning interest in Nigerian real estate into a safe and sustainable investment.
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Cyril Jarnias is an independent expert in international wealth management with over 20 years of experience. As an expatriate himself, he is dedicated to helping individuals and business leaders build, protect, and pass on their wealth with complete peace of mind.
On his website, cyriljarnias.com, he shares his expertise on international real estate, offshore company formation, and expatriation.
Thanks to his expertise, he offers sound advice to optimize his clients' wealth management. Cyril Jarnias is also recognized for his appearances in many prestigious media outlets such as BFM Business, les Français de l’étranger, Le Figaro, Les Echos, and Mieux vivre votre argent, where he shares his knowledge and know-how in wealth management.
