C of O vs Deed of Assignment in Nigeria
A Certificate of Occupancy and a Deed of Assignment do different things. A C of O can show a recognised right of occupancy, while a Deed of Assignment records a transfer of interest from one party to another.
C of O
Often used as evidence of a recognised right of occupancy.
Deed
Records the transfer from seller to buyer.
Both need checks
A document name alone does not prove a safe transaction.
Lawyer needed
Your lawyer should confirm what applies to the exact property.
What a C of O does
A Certificate of Occupancy is one of the most recognised land documents in Nigeria. Buyers often value it because it can show a formal right of occupancy.
But a C of O still needs verification. The name, property description, survey details and transfer history should all be checked.
What a Deed of Assignment does
A Deed of Assignment is used to record that the seller has assigned their interest in the property to the buyer. It is part of the transfer documentation.
The deed should be properly prepared, signed by the right parties and supported by evidence that the seller can transfer the property.
Which one is safer?
Neither document should be judged in isolation. A safe purchase depends on a complete and verified document trail, seller authority, survey match and proper transfer process.
In some estate or federal allocation situations, another document type may be central. Your lawyer should explain the exact risk and transfer route.
- Verify document authenticity
- Match document details to the physical property
- Confirm seller authority
- Prepare transfer documents correctly
- Register or perfect title where required
Frequently Asked Questions
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