How to Get Certificate of Occupancy (C of O) in Oyo State

Are you looking for how to get a C of O in Oyo State? In this article, I have explained in detail the step by step guideline on how to obtain a Certificate of Occupancy (C of O) for both houses and landed property in Oyo State.

When it comes to owning a property document, the best title document anyone can think of having for his or her property is a Certificate of Occupancy (C of O). That is why many property owners strive for many months sometimes years, in order to get this title document.

Meanwhile, a Certificate of Occupancy (C of O) is the official recognized document that demonstrates the right to land or property, and it usually renewable after 99 years.

If the owner fails to renew it after this period then the government may take back the land.

Read: Process of obtaining building plan approval

Requirements for Processing Certificate of Occupancy on a Land (Residential, Commercial and Farm Land)

• Land Agreement (Original and Photocopy)
• Completed Application form
• Survey plan (Original and 8 Photocopy)
• Means of identification – (Driving License, Voters Card, International Passport) and CAC registration document for companies.
• Tax Clearance Certificate (Current)
• Applicant Passport Photograph (2 Copies and signatories)
• Evidence of payment (Bank Teller, E-receipt, Revenue receipt Photocopy)

Charges and Fees

• Advertisement fee = ₦15,000.00
• Application form = ₦5,000.00
• Processing/Submission fee = ₦10,000.00
• land Inspection fee = ₦2,500.00
• Town Planning fee = ₦2,000.00
• Verification fee = ₦1,000.00
• Deed Registration = ₦20,000.00
• None Farm Land = ₦20,000.00 for 4 pillers (1,000.00 for each additional piller)
• Farm Land = ₦25,000.00 per hecters (1,000.00 for additional hecters)
• Capital gain tax = 2% of land agreement.
• Charting fee = ₦6,000.00/4 Pillars ₦100.00 for Extra pillar
• Deed Preparation ₦10,000.00
• Ground Rent: Residential – ₦7.50*sqm of land per year. payable for 5yrs in advance.
  1. Ground Rent Commercial  – ₦10*sqm of land per year. payable for 5yrs in advance
  2. Ground Rent Agricultural  – ₦1,000.00*Hectare of land per year. payable for 5yrs in advance
• Stamp Duty = 1% of Land Agreement

Please Note: All payments must be made directly into Government designated Bank Accounts with different Codes as appeared on the Harmonized Demand Notice.

Read: Documents Required for Building Plan Approval

Conventional Application: How to get C of O for Land Owners or intending Land Owners in Oyo state

First, make sure that the land in question is free from an acquisition. If you want to know more about acquired land read about “committed land” in this blog post. Preferably, you can go to Land Registrar with your survey plan to check.

Below are the procedures or step by step method to follow in order to obtain the C of O:

Step one: Obtain an application form from the Ministry of Lands, Housing and Urban Development, at the State secretariat

The cost of the application form is usually five thousand Naira (₦5,000) although the price is subject to change.
The following documents are to be provided along with the application form when submitting the form also all documents relevant to the ownership of the property should be submitted.

Here are the required documents

• Original Land Purchase Agreements or Deed of Conveyance
• Three years of tax clearance
• Means of identification – (Driving License, Voters Card, International Passport) and CAC registration document for companies.
• Receipts
• Survey plan
• Applicant Passport photograph
• Affidavit
• Evidence of payment for Application Form
• Evidence of payment for Publication (Advert)
• Evidence of payment for Charting of the survey plan

Read: How to build a house on a small budget in Nigeria

Step two: submission of the application form and other required documents

When submitting your completed application form along with all the necessary documents, you will be required to pay some expected fees mentioned previously under Charges and Fees for processing your application.

Please pay it in the bank.

After the successful payment of your processing fee and submission of all the required documents, your application will be published in the national dailies.

The reason is to let the public know and also to make sure that there is no objection to the land.

You will be informed before the publication day in case of any objection to your application. If none, within the period of the publication, a physical inspection of the land will be scheduled.

Step three: Physical Inspection of the Land

After the successful publication of the landed property in the newspaper. The land officers, surveyors, and town planners from the Ministry of Lands, Housing and Urban Development will come for the inspection of the land.

Please make sure that all the details provided on the land documents are correct, any mistake may lead to objection.

Step four: processing of the C of O

After a successful inspection of the land, they will proceed to the preparation of the Certificate of Occupancy in the name of the applicant.

After its preparation, the prepared Certificate of Occupancy will be forwarded to the Governor or the designated officer for signing.

Once signed, the land is then entered into the intelligence sheet to be charted to prevent re-issuing of C of O to another applicant within the stipulated period of 99 years.

Read: Cost of building a 3 bedroom flats/bungalow in Nigeria 2020

Step Five: Collection of the title document (C of O)

After the C of O is processed and signed for collection, you will be notified once it is ready.

Please note you may be required to pay other fees apart from stamp duties.

Disadvantages

The disadvantage of obtaining C of O under conventional application

• Conventional Certificate of Occupancy takes much longer time
• It is more expensive

 The disadvantage of none title documents

• Property owners have difficulties using their properties as collateral, for any financial transaction and when transferring their properties to 3rd parties.
• The property will be undervalued due to a lack of proper title documents, and thus reducing vibrancy in the property market.
• There may arise disputes among the family members, in the case of death or loss of the heir.

Read: Role of a quantity surveyor in construction projects

How to Obtain C of O through OYHOC Scheme for existing residential house owners in Oyo state

The process of obtaining C of O for existing residential buildings is now fast, easy, and affordable in Oyo state.

Recently, the state Governor launched a digitalized platform that will enable all residential house owners in Oyo state to easily process their property title documents.

This is called Oyo State Home Owners Charter (OYHOC) scheme.

It is important to note that this scheme is available for only already existing residential house owners in Oyo State that doesn’t have proper title documents for their properties.

The processing and collection of Certificate of Occupancy will take at most Sixty (60) days under the Oyo State Home Owners Charter (OYHOC) scheme

Meanwhile, the first 2,000 applicants stand the chance of receiving 15% discount fees.

The step by step procedures are as follows:

Step one: Purchase the OYHOC recharge card

In other to obtain an application form for this scheme, you will need to purchase the customized Home Owners Charter recharge card at the rate of six thousand Naira (₦6,000) and collect your application from any of the following locations in Oyo State:

• Room 4, Ministry of Lands, Housing and Urban Development, the state secretariat, Agodi, Ibadan;
• Zonal town planning office in all Local Government Authority (LGA) and all Council Development Areas (LCDA) offices.

Please note: applicants must register their application by following the instructions on the back of the recharged card, as the PIN number on the recharge card is the application number and only the applications with valid pin will be processed.

Step two: Pay the processing fee

After purchasing the OYHOC recharged card, you will be required to pay the processing fee applicable for your type of property at the OYSG designated banks.

Cost of the processing fees

The image below shows the total amount payable under the Home Owners Charter. The Oyo State Government will bear the cost of survey, planning permission, etc for all applicants who do not have them under the OYHOC scheme hence only the amount indicated below is payable by all applicants. Furthermore, the first 2,000 applicants will enjoy a 15% discount on processing costs.

The C of O processing costs for various types of properties are affordable and can be paid in installments.

Please note: This advertised processing fee is the only payment required

Step Three: Submit your application

After payment of the required fees, you will need to submit your application with the required valid documents.

All documents relevant to the ownership of the property should be submitted. These include

• Means of identification (driving license, voters card, international passport)
• Documents relevant to the ownership of the property ( Land Purchase Agreements, Deed of Gift, Receipts)
• Survey plan (if available)
• Applicant Passport photograph
• Photograph of the Property
• Affidavit etc.

To register online click here. When registering please follow the instruction at the back of the OYHOC recharge card.

Please Note:

The OYHOC recharge card will serve as the receipt of the application for payment, while the unique PIN on the recharge card shall serve as an application number which has to be inputted on your form and also used for registering your application.

Concessionary processing fee applicable for the OYHOC scheme C of O is only available for applications received between April and 31st December 2020.

Step Four: Publication of the application on national dailies for 21 days

Once you have successfully finished all the required payments and submitted all the required documents, your application will then be published in the national dailies for a period of 21 days.

Meanwhile, you will be notified on the publication date, and also if there is any objection to the application process you will also be notified.

If none, an inspection of the property will be scheduled.

The reason for the publication is to alert the public and to receive any objection to your application from the public.

Step Five: Physical inspection of the property

Within the seven (7) days of the expiration of 21 days publication on the national dailies, the land offers, surveyors and town planners from the Ministry of Lands, Housing and Urban Development, Agodi, Ibadan will inform you and schedule an inspection for the property.

Step Six: Insurance and collection of the titled document (C of O)

After a successful inspection of the property without any objection, and payment of some required fees.

The C of O will then be processed for collection and you will be notified once it is ready.

These processes should last for 30 days after the successful inspection.

Advantage of obtaining C of O under OYHOC scheme

• You will enjoy a significant discount in the process to obtain a proper legal title (C of O) to the land.
• Your records will be on the digital database for ease of confirmation and transfer.
• The value of your property will be enhanced and become more marketable as buyers can confidently transact knowing that correct title documentation is available.
• The property can be used as collateral for bank loans and other business transactions due to the title document.
• Disputes over ownership will be minimized, in the event of death, heirs are sure of a valid inheritance.

Frequently Ask Questions on OYHOC Scheme

Will every building in Oyo state qualify to partake in this Home Owners Charter (OYHOC) scheme?

It is expected that the vast majority of residential buildings will fully qualify. However, approval will not be granted to the following:

• Property built under PHCN high tension cable
• Houses built on designated acquisitions such as agricultural lands.
• Property occupying “Right-of-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 subject to a legal dispute.

Who and who can apply for this scheme?

The scheme is open to all residential property owners which include the rightful legal heir to the demised owner

Can property owners who live abroad apply?

Yes, as long as they are the bonafide owner of the property, they are eligible to apply and can also apply via this website lands.oyostate.gov.ng

Is there a difference between the home owner’s charter c of o and the conventional c of o?

The C of O obtained under the Home Owners’ Charter is the same as the C of O obtained through the conventional application.

Can I pay in installments?

Yes, you can pay in a maximum of 3 installments. The 1st installment is on submission of your application, 2nd installment is 21 days after submission of the application and the last installment is on the notification that your C of O is ready for collection.

What is the duration of the homeowner’s charter amnesty scheme?

All applications received between April 1st to December 31st, 2020 will be processed during the amnesty period.

How long does it take to get the C of O under the OYHOC scheme?

The processing and collection of Certificate of Occupancy would take only Sixty (60) days under the Oyo State Home Owners Charter (OYHOC) scheme

Can I apply for the homeowner charter scheme on a property that is not fully completed?

Yes; so long as they are habitable and occupied. Properties that have not been fully completed though habitable are eligible for this scheme.

The aim of the scheme is to provide properties in existence and occupied at the present time with the title document.

What will happen to those who do not take advantage of the homeowner charter scheme?

Their property is at risk, due to a lack of official title documents. The Home Owner Charter Scheme is an extremely generous offer of the Oyo State Government to enable homeowners to regularize their property titles.

It is a once in a lifetime offer, and it is strongly advised that homeowners take full advantage of it. Any residential property owner who fails to take advantage of this generous offer will have to apply for the conventional Certificate of Occupancy, which takes much longer time and is more expensive

What is the duration of the homeowners’ charter amnesty scheme?

All applications received between April 1st to December 31st, 2020 will be processed during the amnesty period.

What are their contact details for inquiries on OYHOC Scheme?

All applicants should visit the website www.lands.oyostate.gov.ng, while inquiries can be made through Room 4, Ministry of Lands, Housing and Urban Development, State Secretariat, Agodi, Ibadan. Tel: 0700 696 52637 (0700 OYO LANDS) and email: lands@oyostate.gov.ng

Cheers!!!

I hope you find this article useful if you have questions, suggestions, addition, corrections please feel free to drop your comment below.

Meanwhile, if you need someone to process it for you. We are here, just contact us using any of our contact details displayed on this site.

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