Recent content by harbor.still

I agree on redrawing the neighbourhood groups. Even without naming smaller areas, test whether the apparent 28-day result survives when each property is compared only with nearby alternatives of similar condition. If the sample becomes too thin, that itself is a sign that one Lagos-wide figure...

NGN 790,000,000. My two facts are the NGN 837,000,000 asking price and 71 days on market. That feels long enough to support a discount, but not necessarily a dramatic one unless there have already been price reductions.

For furniture, phase it by use rather than by room. Buy what supports sleeping, food preparation, privacy and basic daily life. Live in the villa before choosing the rest; you may discover that some pieces do not suit the space or are less urgent than expected.

Keep some margin around the estimated closing costs until the final amount is confirmed. If that estimate rises, you don’t want the difference silently taken from the emergency fund while the repair and furniture plans remain unchanged.

I would compare total cash outlay to the end of year five, including fees, while also noting the remaining loan balance at that point. APR can help, but only when every lender calculates it using comparable assumptions. Put portability and early-repayment costs in a separate column rather than...