Frequently Asked Questions

• Valid BVN: For identity verification and compliance with financial regulations
• Email address: For account communications and security
• Phone number: For verification and important notifications

No additional documents are required to start owning property through packets.

• Each packet costs between ₦7,500 to ₦20,000
• You can buy multiple packets in the same property
• When you own 100% of packets in a property, you get the full property papers
• You can sell your packets anytime on our marketplace
• Use packets as collateral for loans

• Each property is verified and legally documented
• Your ownership percentage is recorded and legally recognized
• You receive actual rental income from your ownership portion
• Property appreciation benefits go to you as the owner
• You can transfer your ownership to family members

• ₦50M property with ₦10K packets: 5,000 packets = 100% ownership
• ₦120M property with ₦20K packets: 6,000 packets = 100% ownership
• ₦35M property with ₦7.5K packets: ~4,667 packets = 100% ownership

You don't need to own 100% to benefit - even 1% ownership gives you real returns!

• Bank Transfer: Direct transfer from your bank account
• Debit Cards: Visa, Mastercard, and Verve cards
• USSD: Quick payment using your phone
• Mobile Money: Support for major Nigerian mobile money services

All payments are processed securely and instantly confirmed.

1. Rental Income (Monthly):
   • Receive your share of rental income each month
   • Paid directly to your bank account
   • Typically 8-12% annually
2. Property Appreciation (Long-term):
   • Property values increase over time
   • Your packets become more valuable
   • Sell for profit when property appreciates
   • Typically 6-10% annually

• Instant selling through our secondary market
• Set your own selling price or sell at market rate
• Funds transferred to your account immediately
• No lengthy paperwork or waiting periods
• Much faster than selling traditional property

This makes property ownership much more liquid than traditional real estate!

• Loan Amount: Up to 75% of your packet value
• Interest Rates: Competitive rates based on packet value
• Approval: Fast approval process (usually within 24 hours)
• Keep Ownership: You still own the packets while loan is active
• Flexible Repayment: Multiple repayment options available

Example: Own ₦100,000 worth of packets → Get up to ₦75,000 loan

• ANMFIN Certified: Association of Nigerian Model Finance Institutions
• SCUML Compliant: Special Control Unit against Money Laundering
• Property Laws: All properties comply with Nigerian property ownership laws
• Consumer Protection: We follow Nigerian consumer protection regulations

1. Legal Verification: All property documents verified by licensed lawyers
2. Physical Inspection: Professional property inspection and valuation
3. Title Search: Complete title search to confirm clear ownership
4. Compliance Check: Ensure all zoning and regulatory compliance
5. Insurance: Properties are insured against various risks

Only properties that pass all checks are made available for packet ownership.

• SSL Encryption: All data transmission is encrypted
• Secure Storage: Personal data stored with advanced encryption
• Two-Factor Authentication: Extra layer of account security
• Regular Audits: Third-party security audits and compliance checks
• Fund Protection: Client funds held in segregated accounts
• PCI Compliance: Payment processing meets international standards

1. Developer Verification: All developers undergo thorough background checks and company registration verification
2. Legal Documentation: We require complete legal documentation including C of O, survey plans, and purchase receipts
3. Non-Encumbrance Undertaking: Developers sign legal agreements confirming properties cannot be sold elsewhere or mortgaged
4. Lawyer Verification: Independent legal verification provides additional security layer
5. Escrow Protection: Your funds are held in secure escrow until all verifications are complete
6. Regular Monitoring: Continuous monitoring of developer activities and property status

• Regulatory Compliance: ANMFIN certified and SCUML compliant with regular audits
• Segregated Accounts: Customer funds are held in separate accounts, not mixed with company funds
• Digital Ownership Ledger: Your ownership is recorded on immutable digital ledger for transparency
• Third-Party Audits: Regular independent audits of financial records and customer holdings
• Open Documentation: All property documents are available to you within the app
• Clear Exit Process: Defined process for selling packets and withdrawing funds at any time
• Regulatory Oversight: Subject to Nigerian financial services regulations

• Fair Valuation: Independent property valuation ensures fair loan-to-value ratios (max 75%)
• Grace Periods: Built-in grace periods before any collateral action can be taken
• Transparent Terms: All loan terms, interest rates, and conditions clearly disclosed upfront
• Regulated Lenders: We only work with licensed and regulated financial institutions
• Partial Liquidation: Only affected packets are at risk, not your entire portfolio
• Legal Protection: Nigerian consumer credit protection laws apply to all loan arrangements
• Communication: Early warning system for payment issues before any action is taken

• Young Professionals: Starting property ownership without huge capital requirements
• Diaspora Nigerians: Building property ownership back home from abroad
• Small Business Owners: Diversifying into property without large upfront costs
• Students & Fresh Graduates: Beginning wealth building early with small amounts
• Traditional Investors: Adding property exposure to their investment portfolio
• Middle-Class Families: Building generational wealth through property ownership
• Retirees: Generating steady income through property ownership

1. Economic Ownership: You own actual property value, not just returns or promises
2. Complete Transparency: All property documents visible in the app before you buy
3. Instant Liquidity: Sell packets 24/7 through our marketplace (vs months for traditional property)
4. Loan Collateral: Use packets as collateral for loans while keeping ownership
5. Path to Full Papers: Collect 100% packets and get property papers in your name
6. Low Entry Barrier: Start from ₦7,500 (vs millions for traditional property)
7. Digital Tracking: Real-time portfolio tracking and ownership records

1. Sell All Packets: First, sell all your packets through the marketplace
2. Withdraw Funds: Withdraw all funds from your wallet to your bank account
3. Contact Support: Email support@nairapacket.com or call +234 902 224 7040
4. Provide Details: Include your account email and reason for deletion
5. Verification: Complete identity verification for security purposes
6. Confirmation: Receive confirmation of account deletion within 5-7 business days