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A private-sector initiative to bridge communication gaps between government regulatory MDAs and all other stakeholders in the lands and housing sector

INTRODUCING ‘LANDS & HOUSING TODAY’, A RADIO PROGRAM ON LOVE FM 97.7 AIRING SATURDAYS BETWEEN 9-9.30am

In view of the need for increased interactions between all stakeholders in the lands and housing sector in Rivers State, we designed a program for government MDAs, professional bodies, mortgage banks, legal practitioners, developers etc and the general public to come together to:
a. Share inform

Photos from Lands & Housing Today's post 01/08/2019

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Calls 08050931707, Whatsapp 08094865759

30/01/2019

BE A SMART BUSINESSMAN

Caller: Hi Olumide, how you dey
Me: I'm fine sir, good afternoon
Caller: I couldn't get a bank facility because none of the buildings i offered as collateral has C of O.
Me: But sir we had this conversation 2years ago. You postponed the processing
Caller: Yes i did, regrettably. But i urgently need to partner with someone whose property has C of O and is worth N500m. We will present it as collateral for the loan that i need to finance a major contract.
Me: Sir that arrangement is not popular in PH here o. It works in Lagos and Abuja though.
Caller: Please make calls. The loan offers from money lenders are crippling. One told me to pay 20% interest monthly. Another told me that payment for the project will have to be domiciled in his account and profit shared 80/20 with him taking the larger share. If i use their money i won't have any profit left.
Me: Na wa o. Ok sir, i'll get back to you.

PLEASE DON'T BE LIKE THE BUSINESSMAN ABOVE.

That land/building of yours that has C of O might just be what will save your business in future.

Don't wait till it's too late.

Get yours now!

28/01/2019

Lots of
❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤
From us at Lands & Housing Today

25/08/2018

If Arabs can live in Saudi Arabia yet invest in London real estate, why can't you be in Port and invest in the Lekki/Ajah axis of Lagos where land appreciates by almost 100% annually?

*HOTTEST LAND OFFERS IN THE IBEJU LEKKI AXIS OF LAGOS* 🔥🔥🔥🔥🔥🔥🔥🔥🏠🏠🏠🏠🏠🏠🏠🏠

*AGLOWVILLE ESTATE*
Location: Oloruntun, Eleranigbe, Ibeju Lekki. 1km to Airport
*Size/Price: 500sqm N800,000. 350sqm N560,000*
Title: EXCISION
Coordinates: 596 201.031mE, 720 759.330mN

*HILLS GARDENS*
Location: Mojoda, Epe
*Size/Price: 600sqm N900,000*
Title: Perimeter Survey & Layout Plan (Excision in progress)
Coordinates: 737 408.mN, 611 775.mE

*HEAVEN’S PARADISE Phase One*
Location: Imosan, Igbogun Rd., Ibeju Lekki
*Size/Price: 600sqm N1.7M*
Title: Perimeter Survey & Layout Plan (Excision in progress)
Coordinates: 707 499.402mN, 642 927.308mE

*HEAVEN’S PARADISE Phase Two*
Location: Imosan, Igbogun, Ibeju Lekki
*Size/Price: 600sqm N1.2M, 400sqm N800,000*
Title: Perimeter Survey & Layout Plan (Excision in progress)
Coordinates: 707 542.340mN, 644 069.960mE

*CITADEL HOMES & PARKS*
Location: Imosan, Igbogun Rd., Ibeju Lekki
*Size/Price: 600sqm N1M*
Title: Perimeter Survey & Layout Plan (Excision in progress)
Coordinates: 707 499.402mN, 642 927.308mE

*BLISSVILLE ESTATE*
Location: Imosan, Igbogun, Ibeju Lekki
*Size/Price: 500sqm N2.25M, 350sqm N1.75M*
Title: Perimeter Survey & Layout Plan (Excision in progress)
Coordinates: 711 908.211mN, 601 314.22mE

*AKODO GARDENS*
Location: Ilamija Nla, Ibeju Lekki/Epe Expressway
*Size/Price: 600sqm N2.7M*
Title: Gazette No. 38 Vol. 27 of Oct. 1994
Coordinates: 720 874mN, 601 781mE

*ASTER HOMES & PARKS*
Location: Okun Ise, Ibeju Lekki beside LFTZ
*Size/Price: 600sqm N2.7M*
Title: Excision. Plan No LS/D/BK184
Coordinates: 707 080.001mN, 633 933.201mE

*BEECH GARDENS & HOMES*
Location: Ibeju Lekki
*Size/Price: 600sqm N3.186M*
Title: Gazette No. 29 Vol. 7 of Sept. 1994

*CITADEL DREAMS & GARDENS*
Location: Akodo-Ise, along Igbogun Rd., Ibeju Lekki
*Size: 600sqm. Outright N4.05M, 6mths N4.5M, 24mths N4.77M*
Title: Excision
Coordinates: 708 011.612mN, 634 877.580mE

*GARDENIA HOMES & GARDENS*
Location: Akodo, Ibeju Lekki
*Size/Price: 500sqm N3.15M, 350sqm N2.205M*
Title: Gazette No 38 Vol 27 of Oct 27 1994
Coordinates: 711 921.310mN, 604 384.001mE

*AMAZING GRACE GARDENS Phase 2*
Location: Eluju, Eleko Junction, Ibeju Lekki
*Size/Price: 600sqm N5.4M*
Title: Excision. Plan No LS/D/LA2887
Coordinates: 714 061.920mN, 599 534.879mE

*ALMONDS VINES GARDENS Phase 1*
Location: Bolorunpelu, Ibeju Lekki/Epe Expressway
*Size/Price: 550sqm N5.85M*
Title: C of O No. 78/78/2015H
Coordinates: 722 353.750mN, 600 182.999mE

*ALMONDS VINES GARDENS Phase 2*
Location: Bolorunpelu, Ibeju Lekki/Epe Expressway
*Size/Price: 600sqm N4.5M*
Title: C of O No. 78/78/2015H
Coordinates: 722 353.750mN, 600 182.999mE

*MAPLEWOOD GARDENS*
Location: Abijo GRA, Lagos
*Size/Price: 600sqm N9M*
Title: Gazette

*FLOURISHGATE GARDENS*
Location: Abijo GRA, Lagos
*Size/Price: 600sqm N10M*
Title: Gazette

*MASTERVILLA GARDENS*
Location: Awoyaya behind Green Spring School
*Size/Price: 900sqm N7.65M, 700sqm N5.95M*
Title: Excision
Coordinates: 712 040.512mN, 577 319.401mE

*NEIGHBORHOOD ATTRACTIONS*

·DANGOTE REFINERY
·INTERNATIONAL AIRPORT
·DANGOTE PRIVATE JETTY
·PAN ATLANTIC UNIVERSITY
·LEKKI FREE TRADE ZONE
·LAGOS FREE TRADE ZONE
·CHINESE FREE TRADE ZONE
·LA CAMPAGNE TROPICANA
·ELEGANZA INDUSTRIAL CITY
·LAGOS PRIVATE GOLF BEACH RESORT
·ELEKO BEACH
·INSIGNIA (Makers of Indomie & Power Oil)
·4th MAINLAND BRIDGE
·LEKKI DEEP SEAPORT
·And LOTS OF AMAZING INFRASTRUCTURES AND ESTATES

*ALL THESE ESTATES ARE OWNED BY OUR PARTNERS PAZINO ECC LTD* www.pazinoecc.com

For more enquiries and purchase call *OLUMIDE 08094865759*

Photos from Numero Uno Properties. Port Harcourt, Nigeria's post 02/07/2018
01/04/2018

Alleluia!

19/03/2018

NIESV 48TH ANNUAL NATIONAL CONFERENCE AND AGM 20 - 24TH MARCH 2018

05/02/2018

INVESTMENT OPPORTUNITY
==========================

This estate consists of 25 units of well finished 1-bedroom flat and 3 units of 2-bedroom flat sitting on 14 plots of land. All the flats have rooms en-suite with extra toilet for guests.

Location is Rumukwachi, which is now 10mins drive from Ada George Road, PH.

Price is N170M or nearest offer.

Rental Yield over a 10year period is projected to be N69M.

Capital Appreciation over same period is estimated conservatively at 25%. This means that if the property is bought for N170M in 2018, it can be sold for N212.5M in 2028.

In summary, an investment of N170M on this property will yield gain of N111.5M over a 10 year period if the investor decides to cash out.

For further details call:

NUMERO UNO PROPERTIES
0818-210-6067.

01/08/2017

LAND TITLING IN CAMEROON

Introduction

In Cameroon, land titles are the only legal means of holding land rights. In the early 2000s, however, less than 2% of the land in Cameroon was registered or titled, according to the Ministry of State Property and Land Tenure (MINDAF). Today, most land is still held and managed informally through local tenure arrangements. These local arrangements are a combination of statutory and customary tenure rules (Teyssier et al., 2003; Yemmafouo, 2006).

They form a complex, locally-specific and sometimes, malleable set of rules that creates uncertainty, fosters land conflicts and hampers local development. In 2005, the Cameroon government decentralized and simplified land-titling procedures to address certain barriers to the titling of land. Five years later, however, the reform has achieved only modest results. Recent studies have found that, in practice, titling procedures remain long and complicated (AfDB, 2009; Tadjudje, 2005). The government has yet to support the effective implementation of the new land titling procedures and to address important issues undermining the credibility of the national land register.
Statutory Tenure Governs a Fraction Of Cameroon Lands

In Cameroon, information on the number of land titles and other forms of registered land rights is difficult to gather and often inconsistent. It is clear, however, that only a small percentage of Cameroon’s plots are registered and titled. In 2000, the national register (“livre foncier”) listed 150,000 land certificates, while the National Cadastral Survey Project estimated that there were 2.6 million plots in the country (AfDB, 2009).

Formal registration of land rights is more common in urban areas (60% of all titles according to MINDAF Lands Division (AfDB, 2009)) than in rural regions. Research shows that civil servants make up approximately 50% of all titleholders (AfDB, 2009). Few women hold titles in both urban and rural settings. In the rural and densely populated Northwest Region, for example, women hold only 0.1% of registered land (AfDB, 2009). Land registration rates have not significantly increased since colonial times: according to MINDAF, only 125,000 title deeds were issued between 1884 and 2008 (approximately 1,000 titles per year on average).
Colonial Land Tenure Systems

Originally colonized by Germany, Cameroon was divided after World War I into the Republic of Cameroon, administered by France, and Southern Cameroon (today’s Southwest and Northwest Regions), administered as a Region of Nigeria, then under British administration. The two colonial powers administered land differently, but each did provide for the registration of customary land— livrets fonciers in French Cameroon and “certificates of occupancy” in British Cameroon.

Registration, however, offered weaker legal protection than land titles, which conferred irrevocable and inviolable ownership. In practice, the law privileged the colonial settlers, who were able to obtain land titles. The colonial administrations relied on traditional tribal authorities to manage access to land through customary or local tenure systems (Nach Mbak, 2000; Seignobos, 2002). Consequently, few rural Cameroonians formally registered their land.
Post Independence Land Tenure

On 1 January 1960, French Cameroon gained independence from France and on 1 October 1961, the formerly British Southern Cameroon united with French Cameroon to form the Federal Republic of Cameroon. Just prior to independence, the French and British administrations had given local institutions more autonomy in their territories. In 1959, the Territorial Assembly of Cameroon conferred legal standing to customary tenure systems without requiring land registration (Fotsing, 1995). Individuals and communities could also obtain a title over customary land holdings.

In 1963, the new government of Cameroon repealed the statutory recognition of customary tenure and in 1974, passed the Land Ordinance-Laws 74-1 and 74-2. The new Ordinance-Laws unified the land tenure regimes of the two former territories and maintained land titles at the center of the new national tenure regime. Land titles and land leases, called “concessions,” were perceived as more modern than local systems and became the only legal means of holding land property right.

Holders of livrets fonciers and of certificates of occupancy had to convert them into land titles, which required expensive land surveys and, as a result, were difficult to obtain by poor people.

Today’s tenure regime is still based on these two Ordinance-Laws, although they are now complemented by a large number of decrees and executive decisions or orders. Ordinance-Law 74-1 established the State as “guardian of all lands” to ensure the “rational use of land in the imperative interest of national defense or the economic policies of the nation.” Land was divided into three categories:

1) Public Lands, which consist of roads, rivers, the sea side and other lands for public use;

2) Private Lands, which consist of privately-held lands under title and Private State Lands (“domaine privé de l’Etat”). Private State Lands include lands acquired by the State (e.g., to support public buildings), degazetted lands and rural lands left “unexploited or abandoned” by the owner or custodian (Art. 10 of Ordinance-Law 74-2);

3) National Lands, which is a residual category and consists of land that is neither private nor public, and is considered a land reserve. This land is administered by the State “for the public good.” The law explicitly includes untitled lands occupied or used by rural communities as National Lands.

National Lands are administered by the State to “guarantee their use and effective exploitation” (Art. 14 of Ordinance-Law 74-1). To advise the State in this mission, Land Consultative Committees (LCCs) were established at the arrondissement or district level. In 2008, there were 319 districts and, in theory, as many LCCs. LCCs are presided over by the sous-préfet (District Officer). The other LCC members are three local representatives of MINDAF services, the village chief, two other village leaders and one representative of a relevant Ministry. Decisions are adopted by a simple majority rule. Despite being consultative only, deliberations of LCCs are significant for the attribution of land titles and land concessions.
Titling of Customary Lands

On National Lands, the 1974 land Ordinance-Laws establish different rules for titling land in areas occupied and effectively used by communities, and in areas called “vacant lands” (terres libres de toute occupation effective). Individuals and communities may apply for a title on land that they effectively occupied and used before 1974. On lands occupied and used after 1974, as well as on lands deemed vacant, applicants must draft a development project and obtain a provisional concession (concession temporaire). This distinction prevents communities from titling unoccupied land that is nevertheless vital for its members. It also creates incentives for local populations to establish visible signs of use, such clearing forestland and cultivating otherwise fallow land, to protect the land from external appropriation (Fotsing, 1995; Filipsky et al., 2006).

Communities and individuals are not required by law to title their land prior to usage. Ordinance-Law 94-1 indicates that people may “continue effectively and peacefully occupying” the land without a title. Individuals may also continue hunting and fishing on “vacant land” as long as it does not conflict with other uses by the State (Art. 17 of Ordinance-Law 74-1). These rights, however, are not guaranteed; if the LCC considers that a community or an individual are not “effectively” using the land, it can propose to reallocate it. The government can also bypass the LCC’s recommendation if it wants to reallocate the land.

Rural people perceive that LCCs do not provide sufficient protection for customary land rights (Tadjudje, 2005). Individuals are known to have registered, in their names, lands used by communities and/or claimed to be customary land. In 1995, the Supreme Court supported land certificates against local chefferies (Tagne Sobgui jurisprudence, cited in Nach Mback, 2000). As a result, there are strong incentives for Cameroonians to document their land claims.
Reform in 2005 Brings Simplified Titling

Several factors account for the small number of land certificates and titles, including: limited awareness by the public of the legal framework; the common practice of relying on local rules to secure land; and the complexity and cost of titling procedures. These issues prompted the Cameroon government in 2005 to simplify the titling procedures.

The government reduced the number of steps and departments involved in the process of reviewing and approving a request to title land. The responsibilities formerly attributed to the Préfet (senior Divisional Officer, under the authority of the regional governor) were passed to the sous-Préfet (District Officer located at the arrondissement level, under the Divisional Officer authority). Applications, which previously required approval by the Ministry of State Property in the capital city, only needed approval of the MINDAF Delegation at the regional level.

Another improvement ushered in by the 2005 reform was the creation of a single agency within MINDAF to handle most services concerned with the titling process (“one-stop shop”). MINDAF offices— Delegations—at the regional and divisional levels are now responsible for organizing local consultations, issuing land certificates, and maintaining land certificate archives in a safe and secure manner. The Department of Surveys is responsible for establishing and overseeing norms and standards of accuracy related to the physical description of the land (AfDB, 2009).
In 2005, the government also reduced the number of steps in the land titling procedure and established a timeline for processing applications. These measures have reduced the time needed to obtain a land title from several years to less than one year on average (AfDB, 2009).

Decree No. 76-165 (modified by Decree No. 2005-481) provides three titling procedures:

The “transcription regime” allowed holders of certificates of occupancy and “livrets fonciers” issued before 1974 to transform them into land titles, but only for a period of time (within six years for land in urban areas and within 15 years for land in rural areas). After these deadlines (in 1980 and 1989, respectively) the certificates and “livrets fonciers” were cancelled;
To establish a new title for occupied or exploited lands that are part of National Lands; and
To modify existing titles through transactions and subdivision.

Current Titling Process

The procedure for titling occupied land and used land within National Lands has 12 steps. These steps can be grouped into three main stages: 1) Preparation of the application and its local publication; 2) Establishment of a Local Consultative Committee, composed of five local administrative officials and three representatives of local traditional authorities to review the application, resolve any contestations, and—if the land is effectively used or occupied—to initiate and supervise a land survey; 3) The regional MINDAF Delegation reviews the application, signed land survey report and LCC meeting minutes, and publishes a demarcation notice in the regional Lands Gazette (Bulletin des Avis Domaniaux). If approved, the application is transferred to the Lands Registrar and the title is issued.

The role of the District Officer is instrumental in moving the titling process along. The District Officer presides over the LCC and designates members of ad-hoc groups within the LCC to participate in land surveys. The role of the village chief is not laid out in the law, but is also important and may even supersede the authority of the District Officer in powerful chefferies, such as the Bamiléké lamidats in North Cameroon (Teyssier 2004). Powerful village chiefs are able to delay or accelerate the process during the endorsement of the survey report, and can use their connections to influence the position of the LCC (Tadjudje, 2005).

Titles cannot be granted for parcels of National Lands that were occupied after 1974 or that are currently deemed vacant and ineffectively used. To gain access to such land, Cameroonians and “moral entities” (e.g., firms and associations) must apply for a five-year concession, which includes submitting a development project demonstrating that the land will be effectively used in support of “the national economic, social and cultural objectives” (Decree No 79-166). Once approved by the District MINDAF Delegation and the LCC, concessions are granted by ministerial decree (MINDAF) for plots that are less than 50 hectares; and by presidential decree for larger areas. A formal agreement specifies the rights and obligations of the concession holder and the State.

At the end of the five-year period, the LCC testifies as to the effective implementation of the development project. It advises the Senior Divisional Officer on whether to extend the concession, cancel it or transform it into a “permanent concession,” which confers the right to title the land. The Senior Divisional Officer makes a final determination based on two criteria: the investments made by the leaseholder in the development project and the implementation of the initial agreement.
Ongoing Obstacles To Land Registration

The 2005 land reform helped streamline the titling process, but other hurdles remain for landholders, especially low-income rural citizens, to obtain titles for their lands. The regulatory framework for land registration remains complex; the government has passed dozens of laws, decrees and executive decisions to amend the 1974 Ordinance-Laws. Some of the amendments appear to contradict or conflict with others. In addition to the titling fees required by law, citizens have had to cope with requests by administrative officials for illegal payments to process applications (Fotsing, 1995; Tadjudje, 2005; AfDB, 2009). The high, unpredictable costs discourage low-income citizens from titling their land.

Further, land titles often fail to provide secure tenure because of poor record keeping and document management. Incomplete geographic information and the use of different spatial referencing systems has resulted in overlapping land titles (following the 2005 reform, all overlapping titles were cancelled, including the original title). For example, in 2008, more than 19,000 land titles in Yaoundé had inconsistent geo-references and could not be positioned on a map. Insufficient capacity to process land titles and corruption of administrative support services have also been cited as titling problems (AfDB, 2009; Tadjudje, 2005). As a consequence, land titles are often challenged in court, resulting in the cancellation of titles.
Role of Local Traditional Rulers

After independence, the government of Cameroon, like the colonial powers, relied on traditional rulers to manage land, albeit under the authority of the central State administration (Nach Mback, 2000). Today, most rural people still recognize traditional rulers as legitimate authorities in their communities. In many areas, the influence of these rulers depends on their control of land matters, including allocating rights, levying fines and arbitrating land disputes (Seignobos 2002). In parts of the Northern Region, Bamileke chefferies have established “a property tax system parallel to the state’s, and land management represents their principal source of income” (Teyssier, 2004). In rural areas, land titles are often viewed as serving private interests at the expense of the wider community (Seignobos, 2002). Many urban elites have titled land in their village of origin to establish a plantation, build a second residence, or simply to hold in speculation (Yemmafouo, 2006). Several government- or NGO-led projects also use land titles as a way to encourage investment and improve land management and use—land plots are allocated to local farmers who commit to cultivate specific crop varieties in prescribed manners.

When village land is titled, community members often respond by extending their cultivation areas, creating clear boundaries or planting perennial crops (e.g., cocoa, oil palm or coffee trees). “If we don’t occupy all our land, the State will take it and our community will lose its territory,” (pers. comm. Bamboutous village chief, in Fotsing, 1995). These actions can lead to conflicts among community members and with herders and neighboring farmers. In some communities, customary tenure systems are breaking down or are being manipulated for private gains.

Many village chiefs are manipulating customary rules for their personal benefit. As in other African countries, a system of petits papiers has emerged to fill-in the gaps between cumbersome titling procedures and undocumented customary arrangements. Some village chiefs now prepare and sign paperwork to document land transactions. Such documents are often recognized by decentralized State services as sufficient proof to arbitrate minor land conflicts (Teyssier, 2004). Some traditional rulers in north Cameroon also deliver written and stamped decisions to resolve land conflicts (Seignobos, 2002).
Conclusion

The 2005 land titling reform in Cameroon aimed to secure tenure by streamlining the procedure and decreasing the costs of titling land. Other factors that discourage Cameroonians from titling their land have yet to be addressed. Most land is still held under customary tenure arrangements and administered by traditional rulers. As more land is acquired by the government, influential urban elites, powerful agro-industrial companies, and manipulative traditional leaders, customary tenure systems no longer provide people with security over their land.

Photos from Lands & Housing Today's post 01/08/2017

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