Rent-to-Own Equity Calculator

Coming Soon

See how monthly payments build real ownership equity instead of just paying rent. This is a preview of our upcoming rent-to-own product — not yet available for booking.

Coming Soon — Not Yet Available

Rent-to-Own is a planned Shelterflex product. This calculator lets you explore how it would work for you. No rent-to-own deals can be booked today — we will notify you when the product launches.

Your Details

Property Price

₦15,000,000.00

₦2M₦200M

Deposit Percentage

20% - ₦3,000,000.00

10%50%

Monthly Budget

₦300,000.00

₦50K₦5M

Target Ownership Horizon

Calculation Assumptions

• Annual interest rate: 15% (amortising)
• Estimated rental yield: 8% of property value p.a.
• Pure frontend estimate — no API call involved
• Does not include agency fees, legal charges, or maintenance

Rent-to-Own Plan

Projected ownership by August 2036

Monthly Payment Breakdown

Total Monthly Payment

₦193,601.95

for 120 months (10 years)

Estimated rent component₦100,000.00

Equity / principal component+₦93,601.95

Initial deposit (upfront)₦3,000,000.00

Total interest paid₦11,232,233.82

vs. Standard Renting (10 years)

Rent-to-Own total cost

₦26,232,233.82

You own the property

Standard rent total cost

₦12,000,000.00

Nothing to show for it

Net advantage (incl. property value)+₦767,766.18

Projected ownership date

August 2036

Interested in rent-to-own?

We are building this product now. Register your interest and we will reach out when it launches.

Create an Account