STOW

STOW FRACTIONAL
INVESTMENT PLAN

The STOW Fractional Plan simplifies and reduces cost of investing in select real estate properties and deliver guaranteed returns and capital gains on investment within a defined time period.

The STOW Fractional Plan provides a 10% annualized yield and a guaranteed 10% – 20% capital gain between two (2) – four (4) years on select properties.

GET GURANTEED YIELD OVER 2 & 4 YEARS

The STOW Fractional Plan simplifies and reduces the cost of investing in select real estate properties and delivers guaranteed returns and capital gains on investment within a defined period.

The STOW Fractional Plan makes it possible for you to enjoy the yields of Prime Properties while investing only a fraction of the purchase price within a defined period.

HOW IT WORKS

(2 YEARS FRACTIONAL INVESTMENT PLAN)

TWO BEDROOM APARTMENT AT HERON’S BEAK
Discounted price: N45,000,000

Equity Investment
10%

₦‎4,500,000 PER FHU
(Fractional Home Unit.)

Annualized
Two Year Yield

₦‎900,000
Payable Upfront

Guaranteed Capital

₦‎500,000 Gain due at Maturity

Return on Investment

₦‎1,400,00 PER FHU
(Fractional Home Unit.)

Cumulative Total Return

₦‎5,900,000
Equity + Annual Yield + Capital Gain

FRACTIONAL HOME UNIT (FHU) REFERS TO SHARED OWNERSHIP OF ONE APARTMENT

MAXIMUM UNITS -10 FRACTIONAL HOME UNITS CAPITAL GAIN PER APARTMENT IS BASED ON APPRECIATED
PROPERTY VALUE AFTER 2 YEARS.

THREE BEDROOM APARTMENT AT HERON’S BEAK
Discounted price: N54,000,000

Equity Investment
10%

₦‎5,400,000 PER FHU
(Fractional Home Unit.)

Annualized
Two Year Yield

₦‎1,080,000
Payable Upfront

Guaranteed Capital

₦‎600,000
Gain due at Maturity

Return on Investment

₦‎1,068,000 PER FHU
(Fractional Home Unit.)

Cumulative Total Return

₦‎7,080,000
Equity + Annual Yield + Capital Gain

FRACTIONAL HOME UNIT (FHU) REFERS TO SHARED OWNERSHIP OF ONE APARTMENT

MAXIMUM UNITS -10 FRACTIONAL HOME UNITS CAPITAL GAIN PER APARTMENT IS BASED ON APPRECIATED
PROPERTY VALUE AFTER 2 YEARS.

HOW IT WORKS

(4 YEARS FRACTIONAL INVESTMENT PLAN)

HERON’S BEAK APARTMENTS SHELL APARTMENTS: THREE BEDROOM APARTMENT @ N60,000,000
Discounted price: N54,000,000

Equity Investment
10%

₦‎5,400,000 PER FHU
(Fractional Home Unit.)

10% Annual Yield for
4 years

₦‎540,000 PER ANNUM PER FHU
(Fractional Home Unit.)

Total Investment yield
for 4 years

₦‎2,060,000 PER FHU
(Fractional Home Unit.)

Guaranteed
Capital Gain

₦‎1.400,000 PER FHU
(Fractional Home Unit.)

Total Earnings

₦‎3.560,000 PER FHU
(Fractional Home Unit.)

Total Guaranteed Return 48th Month

₦‎8.096,000 PER FHU
(Fractional Home Unit.)

CAPITAL GAIN CALCULATED ON PROJECTED VALUE OF

70M

AFTER 4 YEARS

DISCOUNTED
PRICE

54M

10% FRACTIONAL PURCHASE REBATE

Fractional home unit (FHU) refers to shared ownership of one apartment
Maximum units – 10 fractional home units holders.

THREE BEDROOM APARTMENT AT Congress Park
Discounted PRICE: N82m

Equity Investment
10%

₦‎8,200,000 PER FHU
(Fractional Home Unit.)

10% Annual Yield for
4 years

₦‎820,000 PER ANNUM
PER FHU (Fractional Home Unit.)

Total Investment yield over 4 years

₦‎3,280,000 PER FHU
(Fractional Home Unit.)

Guaranteed Capital Gain
due at Maturity

₦‎2,800,000 PER FHU
(Fractional Home Unit.)

Total
Earnings

₦‎6,080,000 PER FHU
(Fractional Home Unit.)

Total Guaranteed Return 48th Month

₦‎14,280,000 PER FHU
(Fractional Home Unit.)

CAPITAL GAIN CALCULATED ON PROJECTED VALUE OF

₦‎118M

AFTER 4 YEARS

DISCOUNTED
PRICE

₦‎82M

10% FRACTIONAL PURCHASE REBATE

Fractional home unit (FHU) refers to shared ownership of one apartment
Maximum units – 10 fractional home units holders.

APPLICABLE PROPERTY

TWO BED APARTMENT AT HERON'S BEAK

Twenty (20) fractional units available.
Discounted offer value per unit - N4.5m.
Tenure: Two (2) Years Total yield - 30%

THREE BED APARTMENT AT HERON'S BEAK

Thirty-Two (40) fractional units available.
Discounted offer value per unit - N5.4m.
Tenure: Two(2) years

THREE BED APARTMENT AT CONGRESS PARK

Twenty (20) fractional units available.
Discounted offer value per unit - N8.2m.
Tenure: Four(4) years
Total Yield: 60%

BENEFITS OF THE STOW FRACTIONAL INVESTMENT PLAN

HOW TO APPLY

Submit the application form via email

Make the 10% Equity payment to secure a Fractional Home Unit

Send proof of payment via email

Receive FHU Allocation Letter along with the investment purchase agreement

Sign and return copy of the Investment Purchase Agreement

The STOW Fractional Plan provides a 10% annualized yield payable upfront for the Two (2) year Fractional Investment Plan.

You will earn specified annual guaranteed yield payable not later than the last working day of the 12th month anniversary of your investment for the 4 years investment plan.

At maturity, your equity investment will be capitalized and returned to you along with the pre-stated capital gain not later than the last working day of the maturity date from your date of investment.

SUBCRIBE NOW

Frequently Asked Questions

Fractional Home Unit (FHU) refers to the investment
rights over one unit of apartment collectively shared
by a pool of people

All investment subscription once paid are completed
and contract issued within 72 working hours (3 days)

The Fractional Investment Terms and Condition is
contained in the Fractional Investment Agreement.

Annualised 2 year return on investment is payable
up front at the start of investment. For the 4 year
investment plan, annual return of 10% on investment is
paid on the last working day of the 12th month.

You can invest in multiple FHU but only 10% of value
is tied to property value.

Yes, you can. However, each property is limited to a
maximum of Ten (10) fractional home units.

Heron’s Beak Apartments – located besides the water
works at Ocean Bay Estate, Off Orchid Road, Lekki, Lagos.
Congress Park – off CIS Road, Lekki Phase 1.

Yes, All investors have the first refusal option to buy the
property outright at the prevailing market valuation less
an automatic 20% rebate.

Yes, at maturity of tenure, You will receive a total of your
equity investment plus computed capital gains which was
pre-notified in the fractional investment agreement at the
end of the investment plan..

All applications are made by filling the online
form downloadable on www.stow.ng

All subscribers are to submit a means of identification
along with Proof of Address and a passport photograph.

The equity investment set at 10% is the investor stake
in the fractional home.E.g, A Ten (10%) equity in Heron’s
Beak Apartment priced at N45M would amount to an
equity investment of N4.5M Naira per FHU.

Currently, our fractional investment plan applies to newly
built and furnished Two (2) and Three (3) bedroom
apartments located at Heron’s Beak, Ocean Bay Estate,
besides the water works. We also have our 3 Bed
apartment, located off CIS Road, Lekki Phase 1.

Capital appreciation is the rise in value of a property
investment. It is the difference between the purchase
price and the selling price of a property. Capital gain
per apartment is based on appreciated property value.

The investment period is between two (2) – four (4)
years with no option for renewal.

Yes, we conduct inspections on Tuesdays and Thursdays
between 9AM and 4PM. To schedule an inspection
please call us 0700 006 2865 or send us a WhatsApp
message on +234 907 005 9111.

A- A formal investment note authenticating your amount
invested and tenure.
B- A fractional investment agreement to be signed by
both parties