Interest Rates vs Your Future

Interest rates feel abstract until you translate them into your own life. Each percentage point on a long mortgage is a portion of your future salary, promised away before you have even earned it.

The future, pre-spent

At 20%+ over decades, a huge share of every repayment is pure interest in the early years. You are funding the cost of borrowing far more than you are building equity. Your future income is committed long before it arrives.

Keeping your future open

Financial freedom is partly about keeping your future uncommitted — free to respond to opportunities, emergencies and ambitions. A route to ownership that doesn't mortgage your next 30 years keeps that freedom intact.

RaffleProp's model carries no interest and no long repayment — your future stays yours.

A different way to reach property ownership

RaffleProp runs FCCPC-regulated promotional competitions for real property in Nigeria. Entry starts from ₦2,500, every property is independently valued by an NIESV firm, all funds sit in escrow at a named Nigerian bank, and the winner is selected in a live-streamed, independently witnessed draw.

And your entry value is always protected: if a campaign does not reach its minimum, your full participation value converts to Home Credit you can use on any future campaign. Browse live campaigns, see how it works, or join the waitlist to be first when the next property goes live.

RaffleProp is a promotional competition open to Nigerian residents aged 18 and over. Participation requires passing a skill assessment. Play responsibly.