Month 1
October 24th, 2026
- Principal payment
- Interest payment
- Monthly repayment
- Remaining balance
Purchase option for 4 bedroom grand villa 4 Bedroom Villa in Eti Osa, Lagos
Important details about the Help-to-Own
Repayment Schedule for the payment of Help-to-Own
October 24th, 2026
November 24th, 2026
December 24th, 2026
January 24th, 2027
February 24th, 2027
March 24th, 2027
April 24th, 2027
May 24th, 2027
June 24th, 2027
July 24th, 2027
August 24th, 2027
September 24th, 2027
| S/N | Month | Monthly Principal Payment | Monthly Interest Payment | Monthly Repayment | Remaining Balance |
|---|---|---|---|---|---|
| 1 | October 24th, 2026 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 2 | November 24th, 2026 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 3 | December 24th, 2026 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 4 | January 24th, 2027 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 5 | February 24th, 2027 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 6 | March 24th, 2027 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 7 | April 24th, 2027 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 8 | May 24th, 2027 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 9 | June 24th, 2027 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 10 | July 24th, 2027 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 11 | August 24th, 2027 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 12 | September 24th, 2027 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 13 | October 24th, 2027 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 14 | November 24th, 2027 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 15 | December 24th, 2027 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 16 | January 24th, 2028 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 17 | February 24th, 2028 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 18 | March 24th, 2028 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 19 | April 24th, 2028 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 20 | May 24th, 2028 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 21 | June 24th, 2028 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 22 | July 24th, 2028 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 23 | August 24th, 2028 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
| 24 | September 24th, 2028 | ₦0 | ₦495,833.33 | ₦495,833.33 | ₦35,000,000 |
These are the different levels of finishing which the 4 bedroom grand villa can be purchased using the Help-to-Own and the various prices on each finishing level.
How the Help-to-Own works on Giddaa
Step 1
Choose a house available on the Giddaa platform under the Help to Own plan that fits your budget and preference.
Performed by You with support from Giddaa
Step 2
Submit your documents to Giddaa for prequalification to confirm your eligibility for the Help to Own loan.
Performed by You
Step 3
If you pass prequalification, Giddaa forwards your application to a financial institution, which processes the loan and secures approval from Family Homes Funds before disbursing funds to the developer.
Performed by Giddaa
Step 4
You receive your keys, move in, and start repaying monthly through the Giddaa platform with full tracking, reminders, and a wallet for easy payments.
Performed by You
Policies for the purchase of Help-to-Own
Default Fee - In the event of a default (Payment after due date plus the grace period, if any), the seller would charge an additional ₦26,402.41, representing 5% extra to the required monthly payment.
The maximum number of payments the seller deems permissible is 3 payments. In the event that more than 3 payments are missed, the seller would seek to recover the property from you for resale to another client.
The seller provides a grace period of 3 daysbefore charging a default fee of ₦26,402.41. The default amount will be added to the monthly payments for that month.
Your affordability for the Help-to-Own
We’ll compare this plan’s monthly payment with your income details and show you a clear estimate.
The documents you need to submit when applying for Help-to-Own
This plan does not require any documents.
The kinds of people that can apply for Help-to-Own
These are people applying by themselves, without a co-applicant.
The following Individuals can apply through this payment option
These are people who have been partnered by law.
The following Individuals can apply through this payment option