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    • … An enduring Heritage

    FREQUENTLY ASKED QUESTIONS

    The Home Ownership Charter

    The Home Ownership Charter of Ondo State (HOCOS) Scheme is a novel initiative of the Ondo State Government, aimed at ensuring that every resident of Ondo State who owns residential property has proper and genuine title documents to their properties.

    The scheme is created to allow home owners take proper documentation and regularization of their properties’ legal status. This would as well provide adequate data for government to facilitate provision of basic amenities and planning of essential services needed in the development of the State.

    The scheme will give opportunity to individuals who built their properties without the state government’s approval or titles to secure a Certificate of Occupancy. In addition to this, the government will waive penalties and fines associated with their initial failure, create a flexible documentation and give discounts to enable many residents benefit from the scheme.

    What necessitated this initiative?

    The records have it that most residential landed properties in Ondo State do not have registration document titles. This exposes the property holders to risks such as defective transfer of properties and encroachment among others. In addition, imperfect title documentation reduces the real value of a property and lessens its viability in the financial sector, thereby putting a question to its credit worthiness.

    Other problems associated with improper documentation includes:

  • Difficulties in the use of properties as collateral by home owners in the course of any financial transactions, and transfer of such properties to third parties.
  • Undervaluation of properties which in turn regresses the growth of the Ondo State property market. This limits information accessibility by stakeholders, thereby reducing the vitality in the property market.
  • Inaccurate data on the number of residencies in most areas which limits proper planning and provisions for basic social amenities.

    • How does the Scheme Benefit Property Owners?

    Taking advantage of this scheme to regularize and secure the necessary title documents enables you to enjoy the following:

  • A proper record that establishes your status of property ownership.
  • A meaningful discount will be available to you in the process of obtaining legal title to the land (C of O) and your record will be on the digital database for quick verification and transfer.
  • Huge increase in the value of the property which will boost its market value as buyers can doubtlessly transact knowing that right title documentation is available.
  • Ease of property use as collateral in legal transactions such as bank loans and other business transactions
  • Less disputes over property ownership and ease of valid property inheritance or transfer to heirs in the event of death.
  • Reduction in fraud related properties and problems associated with Omo onile/Ajagungbales.
  • Inclusion of your residential area in the Ondo State Government’s urban renewal policy for facility provision in the aspects of education, health and other needed structures.

    • Method of Application
    The application forms to enrol for the scheme are available at a fixed price of Six Thousand Naira only (N6,000.00). Customised Home Owner Charter scratch cards are the exclusive means of payments and can be gotten in any of the following locations:
  • Ministry of Lands and Housing, Ministry of Works Yard, Oyemekun Road, Akure;
  • Ministry of Physical and Urban Planning, Ministry of Works Yard, Oyemekun Road, Akure;
  • Ondo State Internal Revenue Service Offices in the 18 Local Government Areas of the State.
    • The Customised Home Owner Charter scratch card will serve as a proof of payment and the unique PIN on the card will be the application number to be filled on the application form.

    Will every Building qualify to get all title documents from the State Government?
    All residential buildings and property owners will benefit from this scheme, nonetheless, the following categories of owners will not be granted approval for their properties:
  • Property built under PHCN high tension.
  • Houses built on designated acquisitions such as agricultural lands.
  • Property occupying “Right-half-way” of the NNPC Pipeline.
  • Property built on the “set back” of road, water bodies and gullies.
  • Property built on flood plains.
  • Substandard or defective properties.
  • Property subjected to legal dispute.

    • Who are eligible to apply?
    This scheme is for all residential property owners in the state, including the legitimate heir of any demised owner.

    What are the documents required for participation in this Scheme?
    To participate in this scheme, the following documents are required to be submitted by each participant;
  • Land Use Charge payment receipt (current year)
  • Land purchase agreements
  • Deed of Gift
  • Receipts
  • Survey
  • Valid means of Identification (National ID Card, International Passport or Voter’s Card)
  • Applicant’s passport photograph and photograph of the property
  • Affidavits
  • Other documents relevant to the ownership of the property

    • What are the application stages and timeline?
  • Upon submission of application form, a demand notice of the amount expected to be paid for application processing will be issued to you.
  • After the payment of your application processing fee, the state government will have your application published in both local and national dailies to ensure there are no complaints on your property, which will last for Twenty-one (21) days starting from the first date of the publication. You will get notifications of your publication date and objections to your application, if there are any. In the event of no objections to your application, you will be scheduled for inspection with our land officers, surveyors and town planners within seven (7) days to the expiry of the 21 days of posted publication.
  • After the successful completion of the above, you will be notified on the collection of your certificate of Occupancy (C of O). The whole process would take about thirty (30) days after meeting up with the inspection criteria.

    • HOME OWNERS CHARTER PROCESSING COST

    S/No 1st Payment on Submission of Application 2nd Payment- 21 days after Submission of Application 3rd Payment- On notification that C of O is ready for Collection Total (₦)
    1 Bungalow
    1.1 One Instalment 150,000.00 - - 150,000.00
    1.2 Two Instalments 80,000.00 80,000.00 - 160,000.00
    1.3 Three Instalments 90,000.00 50,000.00 30,000.00 170,000.00
    2 1 Floor Building
    2.1 One Instalment 175,000.00 - - 150,000.00
    2.2 Two Instalments 92,500.00 92,500.00 - 185,000.00
    2.3 Three Instalments 100,000.00 50,000.00 45,000.00 195,000.00
    3 2 Floor Building
    3.1 One Instalment 200,000.00 - - 200,000.00
    3.2 Two Instalments 105,000.00 105,500.00 - 210,000.00
    3.3 Three Instalments 120,000.00 50,000.00 50,000.00 220,000.00
    4 3 Floor Building & Above
    4.1 One Instalment 225,000.00 - - 225,000.00
    4.2 Two Instalments 117,500.00 117,500.00 - 235,000.00
    4.3 Three Instalments 130,000.00 60,000.00 55,000.00 245,000.00

    Is there Instalment Payment Plan?
    Yes, payments can be made in instalment. However, such payments can only be made three times at the maximum. The first instalment is on submission of your application, the second payment is to be made twenty-one (21) days after submission of application, while the last would be after the notification for the collection of C of O is given.

    What is the implication of not taking the advantage of Home Owners’ Charter Scheme?
    Your property is at risk for not having a title document. The State Government has magnanimously made this generous offer to allow home owners regularize their property title. It is advised that the opportunity be taken by home owners as those who fall out from the scheme will have to apply for the conventional Certificate of Occupancy which would usually take more time and money.

    How long would the amnesty for the Scheme last?
    All application submitted between 1st October, 2021 to 30th September, 2022 will be processed during the amnesty period.

    Can application be made for an uncompleted property?
    Yes, the scheme applies to properties not fully completed in as much there are inhabitants living in it. The purpose of the scheme is to provide title document for properties presently in existence and inhabited.

    How about property owners in diaspora, can they also apply?
    Property owners living outside the state can apply, provided they are the genuine owner of the property and eligible to apply. They can make their application via any of our emails: lands@ondostate.gov.ng or info@odirs.ng.

    What is the difference between the Home Owner’s Charter C of O and the conventional C of O?
    The C of O obtained through Home Owners’ Charter and the conventional C of O are both the same, there is no difference between them.