December 23, 2025
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The end of the year has a way of loosening wallets. Between festive reunions, family pressure, and the emotional high of being home after a long year, many Nigerians find themselves considering property purchases they had not fully planned for. Holiday home buying is not new in Nigeria, but it is one of the periods when emotion most often overrides strategy. After more than a decade advising buyers and investors, I have seen joyful December purchases turn into long-term regret and quiet, well-considered decisions become some of the best property moves people ever made.
The difference is rarely about money. It is about mindset.
Why the Holidays Trigger Emotional Buying
December buying is often driven by symbolism rather than analysis. Owning a house “before the year ends” feels like closure, progress, and proof of success. Family gatherings amplify this pressure. A cousin shows off a new build, an uncle asks why you are still renting, and suddenly a decision that should take months is rushed into weeks.
I once worked with a diaspora buyer who flew in for Christmas and insisted on closing a deal within ten days because he wanted to “enter the new year as a landlord.” The property looked attractive, but a quick review showed documentation gaps and inflated pricing due to seasonal demand. He paused, against family advice, and revisited the deal in February. The same property was cheaper, with clearer terms. That pause saved him millions.
Emotion is not the enemy. Unexamined emotion is.
Smart Buyers Slow the Process Down
The smartest holiday buyers do not rush; they refine. They use the festive period to inspect properties, ask questions, and understand neighbourhoods when they are most alive. Traffic patterns, noise levels, security presence, and access roads are easier to assess when areas are busy.
A smart buyer separates the excitement of seeing a house from the discipline of evaluating it. They ask practical questions. Why is the seller motivated now? Has the property been on the market before December? Are prices being adjusted upward because demand is seasonal? These questions protect you from paying a premium for urgency.
At Pryme Point Real Estate, holiday inspections often reveal more than off-season visits. Our role is not to push clients into deals, but to help them distinguish between a good opportunity and a good feeling.
Holiday Discounts vs Holiday Traps
There is a popular belief that December brings bargains. Sometimes it does. Developers and sellers looking to close their books may offer flexible payment plans or modest discounts. But there is another side to this story. Some sellers deliberately wait for festive periods, knowing buyers are emotionally primed and less likely to negotiate aggressively.
Smart buyers verify claims. A “last plot” story should be supported by facts. A “promo price” should be compared with similar properties sold earlier in the year. Without context, discounts are just numbers.
One Lagos-based buyer I advised nearly committed to a holiday deal advertised as a massive reduction. A quick market comparison showed it was still priced above comparable properties nearby. The label was festive; the value was not.
Documentation Is Where Emotions Must Stop
Nothing exposes emotional buying faster than sloppy documentation. During the holidays, buyers are more likely to accept phrases like “papers are processing” or “we’ll perfect later.” This is dangerous. Titles, surveys, and consents do not become clearer because it is December.
Smart buyers treat documentation as non-negotiable. Whether the plan is to build immediately or hold for appreciation, legal clarity determines long-term value. Professional due diligence is not a delay tactic; it is protection. This is why experienced buyers rely on end-to-end support property sourcing, verification, and documentation rather than verbal assurances.
Aligning Holiday Buying with Long-Term Goals
A holiday home purchase should still answer one basic question: how does this property fit into my broader plan? Is it for personal use, rental income, future resale, or land banking? Properties bought purely for emotional reasons often struggle to justify themselves financially later.
Smart buyers know that it is okay to walk away, even in December. The market will still exist in January. In fact, some of the best opportunities appear after the festive dust settles and urgency fades.
Making the Right Move
Holiday home buying in Nigeria does not have to be a mistake. It can be a powerful moment of clarity if approached correctly. Enjoy the season, inspect thoughtfully, ask hard questions, and let data guide decisions. Emotion can open the door, but strategy must decide whether you walk through it.
The buyers who win are not those who rush to close before fireworks, but those who enter the new year owning property they understand, can defend legally, and feel confident holding long after the decorations come down.
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