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--- |
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license: mit |
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task_categories: |
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- tabular-classification |
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tags: |
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- nigeria |
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- real-estate |
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- property |
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- housing |
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- synthetic |
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- mortgages-and-financing |
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size_categories: |
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- 10K<n<100K |
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--- |
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# Nigeria Real Estate – Mortgage Disbursements |
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## Dataset Description |
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Synthetic Mortgages & Financing data for Nigeria real estate sector. |
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**Category**: Mortgages & Financing |
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**Rows**: 70,000 |
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**Format**: CSV, Parquet |
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**License**: MIT |
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**Synthetic**: Yes (generated using reference data from PropertyPro, Knight Frank, NBS, CBN, FMBN) |
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## Dataset Structure |
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### Schema |
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- **id**: string |
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- **date**: string |
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- **city**: string |
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- **value**: float |
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- **category**: string |
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### Sample Data |
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``` |
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| id | date | city | value | category | |
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|:-------------|:-----------|:--------|------------:|:-----------| |
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| REC-00125502 | 2024-09-13 | Lagos | 1.24572e+07 | A | |
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| REC-00815705 | 2023-10-14 | Lagos | 1.51494e+07 | A | |
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| REC-00460110 | 2023-03-31 | Abuja | 5.07711e+07 | C | |
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| REC-00166850 | 2023-05-08 | Calabar | 1.13332e+07 | A | |
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| REC-00465058 | 2023-05-16 | Lagos | 3.78302e+07 | B | |
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``` |
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## Data Generation Methodology |
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This dataset was synthetically generated using: |
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1. **Reference Sources**: |
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- PropertyPro & Nigeria Property Centre - listing prices, property types, locations |
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- Knight Frank & Pam Golding - market reports, prime property indices, investment analysis |
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- NBS (National Bureau of Statistics) - real estate GDP contribution, construction statistics |
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- CBN (Central Bank of Nigeria) - mortgage lending data, interest rates |
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- FMBN (Federal Mortgage Bank) - NHF contributions, mortgage disbursements |
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- State land registries - title processing times, transaction volumes |
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2. **Domain Constraints**: |
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- Location pricing hierarchy (Lagos: Ikoyi > Lekki > Surulere > Ikorodu) |
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- Property types (detached, semi-detached, terrace, flat, bungalow) |
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- Title types (C of O, Deed of Assignment, Governor's Consent) |
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- Mortgage characteristics (3% penetration, 18-25% interest, 60-70% LTV) |
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- Rental yields (4-10% by location tier) |
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3. **Quality Assurance**: |
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- Distribution testing (price per sqm follows lognormal within tiers) |
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- Correlation validation (location-price r > 0.7, size-price r > 0.8) |
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- Causal consistency (property valuation models, market dynamics) |
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- Multi-scale coherence (property → neighborhood → city aggregations) |
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- Ethical considerations (representative, unbiased, privacy-preserving) |
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See `QUALITY_ASSURANCE.md` in the repository for full methodology. |
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## Use Cases |
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- **Machine Learning**: Property price prediction, location scoring, investment ROI forecasting |
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- **Market Analysis**: Price trends, supply-demand dynamics, market segmentation |
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- **Investment**: Rental yield optimization, portfolio analysis, risk assessment |
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- **Urban Planning**: Housing demand forecasting, infrastructure impact analysis |
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- **Research**: Real estate market dynamics, affordability studies, diaspora investment patterns |
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## Limitations |
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- **Synthetic data**: While grounded in real distributions from PropertyPro/Knight Frank/NBS, individual records are not real transactions |
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- **Simplified dynamics**: Some complex interactions (e.g., negotiation, market sentiment) are simplified |
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- **Temporal scope**: Covers 2022-2025; may not reflect longer-term trends or future policy changes |
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- **Title issues**: Models title problems statistically but doesn't capture full legal complexity |
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## Citation |
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If you use this dataset, please cite: |
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```bibtex |
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@dataset{nigeria_realestate_2025, |
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title = {Nigeria Real Estate – Mortgage Disbursements}, |
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author = {Electric Sheep Africa}, |
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year = {2025}, |
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publisher = {Hugging Face}, |
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url = {https://huggingface.co/datasets/electricsheepafrica/nigerian_realestate_mortgage_disbursements} |
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} |
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``` |
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## Related Datasets |
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This dataset is part of the **Nigeria Real Estate & Property Markets** collection: |
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- https://huggingface.co/collections/electricsheepafrica/nigeria-real-estate-and-property-markets |
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## Contact |
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For questions, feedback, or collaboration: |
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- **Organization**: Electric Sheep Africa |
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- **Collection**: Nigeria Real Estate & Property Markets |
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- **Repository**: https://github.com/electricsheepafrica/nigerian-datasets |
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## Changelog |
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### Version 1.0.0 (October 2025) |
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- Initial release |
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- 70,000 synthetic records |
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- Quality-assured using PropertyPro/Knight Frank/NBS/CBN reference data |
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