Business
WHAT MAKES NIGERIA A PROFITABLE COUNTRY FOR REAL ESTATE INVESTMENT? By Dennis Isong
WHAT MAKES NIGERIA A PROFITABLE COUNTRY FOR REAL ESTATE INVESTMENT? By Dennis Isong
Nigeria is a country in West Africa that is rich in natural resources and is the most populous country on the continent.
With a population of over 200 million people, there is a high demand for housing, which makes real estate a profitable industry to invest in.
Let’s explore some of the reasons why Nigeria is a profitable country for real estate investment.
– RAPID URBANIZATION
Nigeria is one of the fastest urbanizing countries in the world. With a growing population and an expanding economy, there is an increasing need for housing and infrastructure.
As more people move to cities, the demand for housing and commercial property continues to rise. This presents a great opportunity for real estate investors to invest in both residential and commercial properties.
– INCREASING MIDDLE CLASS
Nigeria has a growing middle class with an increasing purchasing power.
This demographic is driving demand for modern, high-quality housing and commercial property.
As more people move into the middle class, the demand for real estate will continue to grow. This presents an opportunity for investors to invest in properties that cater to this demographic.
– FAVORABLE GOVERNMENT POLICIES
The Nigerian government has implemented policies aimed at promoting real estate investment in the country.
One of such policies is the National Housing Fund (NHF), which was established to provide affordable housing for Nigerians.
The NHF also provides low-interest loans to real estate developers and investors to encourage investment in the sector.
Another policy is the Land Use Act, which was enacted to regulate land ownership in Nigeria.
The act grants the government ownership of all land in the country, but individuals and organizations can lease land from the government for a specified period.
This policy has created a more stable and predictable legal framework for real estate investment in Nigeria.
– High Return On Investment
Real estate investment in Nigeria offers high returns on investment.
The average rental yield in Nigeria is around 6%, which is higher than the global average of 4.2%. This is due to the high demand for rental properties and the limited supply of quality housing.
As the Nigerian economy continues to grow, rental yields are expected to increase, making real estate investment in Nigeria even more profitable.
– GROWING TOURISM INDUSTRY
Nigeria has a growing tourism industry, which is driving demand for hotel and resort properties. The country is home to several tourist attractions such as national parks, beaches, and historical sites.
The government has also implemented policies aimed at promoting tourism in the country. This presents an opportunity for real estate investors to invest in hotel and resort properties that cater to the growing number of tourists visiting Nigeria.
– LARGE AND GROWING YOUTH POPULATION
Nigeria has a large youth population, with over 60% of the population below the age of 25.
This demographic is driving demand for affordable and modern housing, as they seek to move out of their parents’ homes or start their families.
Real estate investors can capitalize on this trend by investing in properties that cater to the needs of young people.
– LOW MORTGAGE PENETRATION
The mortgage market in Nigeria is still underdeveloped, with low penetration and limited access to finance.
This presents an opportunity for real estate investors to provide financing options to potential homebuyers and investors, creating a new revenue stream and increasing the demand for real estate properties.
– STRATEGIC LOCATION
Nigeria is strategically located in West Africa, with easy access to other countries in the region.
This makes it a hub for regional trade and commerce, attracting both local and foreign investors.
As a result, the demand for commercial properties such as office spaces, warehouses, and logistics centers is on the rise, making it a profitable investment opportunity for real estate investors.
– STABLE POLITICAL ENVIRONMENT
Nigeria has a stable political environment, with regular democratic elections and a peaceful transition of power.
This creates a predictable and stable business environment, encouraging investors to invest in the country.
Real estate investors can take advantage of this stability to invest in long-term projects, such as large-scale developments or infrastructure projects.
– DIVERSIFICATION OPPORTUNITIES
Real estate investment in Nigeria offers diversification opportunities for investors looking to spread their risk across different asset classes.
The real estate market in Nigeria is not correlated with other asset classes, such as stocks and bonds, making it a useful hedge against market volatility.
Additionally, investing in different types of properties, such as residential, commercial, and industrial properties, can help spread risk and maximize returns.
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Nigeria’s Inflation Drops to 15.10% as NBS Reports Deflationary Trend
Nigeria’s headline inflation rate declined to 15.10 per cent in January 2026, marking a significant drop from 27.61 per cent recorded in January 2025, according to the latest Consumer Price Index (CPI) report released by the National Bureau of Statistics.
The report also showed that month-on-month inflation recorded a deflationary trend of –2.88 per cent, representing a 3.42 percentage-point decrease compared to December 2025. Analysts say the development signals easing price pressures across key sectors of the economy.
Food inflation stood at 8.89 per cent year-on-year, down from 29.63 per cent in January 2025. On a month-on-month basis, food prices declined by 6.02 per cent, reflecting lower costs in several staple commodities.
The data suggests a sustained downward trajectory in inflation over the past 12 months, pointing to improving macroeconomic stability.
The administration of President Bola Ahmed Tinubu has consistently attributed recent economic adjustments to ongoing fiscal and monetary reforms aimed at stabilising prices, boosting agricultural output, and strengthening domestic supply chains.
Economic analysts note that while the latest figures indicate progress, sustaining the downward trend will depend on continued policy discipline, exchange rate stability, and improvements in food production and distribution.
The January report provides one of the clearest indications yet that inflationary pressures, which surged in early 2025, may be moderating.
Nigeria’s headline inflation rate declined to 15.10 per cent in January 2026, marking a significant drop from 27.61 per cent recorded in January 2025, according to the latest Consumer Price Index (CPI) report released by the National Bureau of Statistics.
The report also showed that month-on-month inflation recorded a deflationary trend of –2.88 per cent, representing a 3.42 percentage-point decrease compared to December 2025. Analysts say the development signals easing price pressures across key sectors of the economy.
Food inflation stood at 8.89 per cent year-on-year, down from 29.63 per cent in January 2025. On a month-on-month basis, food prices declined by 6.02 per cent, reflecting lower costs in several staple commodities.
The data suggests a sustained downward trajectory in inflation over the past 12 months, pointing to improving macroeconomic stability.
The administration of President Bola Ahmed Tinubu has consistently attributed recent economic adjustments to ongoing fiscal and monetary reforms aimed at stabilising prices, boosting agricultural output, and strengthening domestic supply chains.
Economic analysts note that while the latest figures indicate progress, sustaining the downward trend will depend on continued policy discipline, exchange rate stability, and improvements in food production and distribution.
The January report provides one of the clearest indications yet that inflationary pressures, which surged in early 2025, may be moderating.
Alpha Morgan to Host 19th Economic Review Webinar
In an economy shaped by constant shifts, the edge often belongs to those with the right information.
On Wednesday, February 25, 2026, Alpha Morgan Bank will host the 19th edition of its Economic Review Webinar, a high-level thought leadership session designed to equip businesses, investors, and individuals with timely financial and economic insight.
The session, which will hold live on Zoom at 10:00am WAT and will feature economist Bismarck Rewane, who will examine the key signals influencing Nigeria’s economic direction in 2026, including policy trends, market movements, and global developments shaping the local landscape.
With a consistent track record of delivering clarity in uncertain times, the Alpha Morgan Economic Review continues to provide practical context for decision-making in a dynamic environment.
Registration for the 19th Alpha Morgan Economic Review is free and can be completed via https://bit.ly/registeramerseries19
It is a bi-monthly platform that is open to the public and is held virtually.
Visit www.alphamorganbank to know more.
GTBank Launches Quick Airtime Loan at 2.95%
Guaranty Trust Bank Ltd (GTBank), the flagship banking franchise of GTCO Plc, Africa’s leading financial services group, today announced the launch of Quick Airtime Loan, an innovative digital solution that gives customers instant access to airtime when they run out of call credit and have limited funds in their bank accounts, ensuring customers can stay connected when it matters most.
In today’s always-on world, running out of airtime is more than a minor inconvenience. It can mean missed opportunities, disrupted plans, and lost connections, often at the very moment when funds are tight, and options are limited. Quick Airtime Loan was created to solve this problem, offering customers instant access to airtime on credit, directly from their bank. With Quick Airtime Loan, eligible GTBank customers can access from ₦100 and up to ₦10,000 by dialing *737*90#. Available across all major mobile networks in Nigeria, the service will soon expand to include data loans, further strengthening its proposition as a reliable on-demand platform.
For years, the airtime credit market has been dominated by Telcos, where charges for this service are at 15%. GTBank is now changing the narrative by offering a customer-centric, bank-led digital alternative priced at 2.95%. Built on transparency, convenience and affordability, Quick Airtime Loan has the potential to broaden access to airtime, deliver meaningful cost savings for millions of Nigerians, and redefine how financial services show up in everyday life, not just in banking moments.
Commenting on the product launch, Miriam Olusanya, Managing Director of Guaranty Trust Bank Ltd, said: “Quick Airtime Loan reflects GTBank’s continued focus on delivering digital solutions that are relevant, accessible, and built around real customer needs. The solution underscores the power of a connected financial ecosystem, combining GTBank’s digital reach and lending expertise with the capabilities of HabariPay to deliver a smooth, end-to-end experience. By leveraging unique strengths across the Group, we are able to accelerate innovation, strengthen execution, and deliver a more integrated customer experience across all our service channels.”
Importantly, Quick Airtime Loan highlights GTCO’s evolution as a fully diversified financial services group. Leveraging HabariPay’s Squad, the solution reinforces the Group’s ecosystem proposition by bringing together banking, payment technology, and digital channels to deliver intuitive, one-stop experiences for customers.
With this new product launch, Guaranty Trust Bank is extending its legacy of pioneering digital-first solutions that have redefined customer access to financial services across the industry, building on the proven strength of its widely adopted QuickCredit offering and the convenience of the Bank’s iconic *737# USSD Banking platform.
About Guaranty Trust Bank
Guaranty Trust Bank (GTBank) is the flagship banking franchise of GTCO Plc, a leading financial services group with a strong presence across Africa and the United Kingdom. The Bank is widely recognized for its leadership in digital banking, customer experience, and innovative financial solutions that deliver value to individuals, businesses, and communities.
About HabariPay
HabariPay is the payments fintech subsidiary of GTCO Plc, focused on enabling fast, secure, and accessible digital payments for individuals and businesses. By integrating payments and digital technology, HabariPay supports innovative services that make everyday financial interactions simpler and more seamless.
Enquiries:
GTCO
Group Corporate Communication
[email protected]
+234-1-2715227
www.gtcoplc.com
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