A deep dive into buy now pay later and fractional real estate in Nigeria, exploring affordability, investor economics, risks, and long-term market impact.

Nigeria’s rising money supply is beginning to influence the real estate market, with new CBN data pointing to expanding liquidity, shifting credit conditions and changing investor behaviour.

Nigeria’s real estate market may see its strongest year in a decade as the naira strengthens, inflation cools, and economic reforms take hold heading into 2026.

In Nigeria, millions of renters pay consistently each month, yet these payments rarely count toward building a credit history. As the country works to expand access to mortgages, the question arises: should rent be recognized as part of credit scoring? This article explores how rental history could transform mortgage eligibility, improve financial inclusion, and open new doors for aspiring homeowners across Nigeria.

Inflation in Nigeria has begun to ease, but the cost of building materials remains stubbornly high. Cement, steel, and other key inputs continue to weigh heavily on developers, homeowners, and investors. Price stickiness, elevated energy and transport costs, and supply chain bottlenecks mean that relief is slow to reach the construction sector, with major implications for affordability and the future of real estate.