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1. Parties: Identification and details of the lessor/seller and lessee/buyer

2. Background: Context of the agreement and brief description of the property and transaction structure

3. Definitions: Key terms used throughout the agreement

4. Property Description: Detailed description of the property subject to the lease-to-own arrangement

5. Term and Possession: Duration of the lease period and conditions for taking possession

6. Lease Payments: Monthly payment amounts, due dates, and payment methods

7. Purchase Option: Terms and conditions for exercising the option to purchase

8. Purchase Price and Credits: Total purchase price and how lease payments are credited towards purchase

9. Maintenance and Repairs: Responsibilities for property maintenance during the lease period

10. Insurance and Property Taxes: Requirements for insurance coverage and responsibility for property taxes

11. Default and Remedies: Consequences of default by either party and available remedies

12. Assignment and Subletting: Restrictions on transferring rights under the agreement

13. Governing Law: Specification of Nigerian law and relevant jurisdiction

14. Notices: Process for formal communications between parties

15. Execution: Signature blocks and execution requirements

1. Schedule A - Property Details: Detailed property description, boundaries, and included fixtures

2. Schedule B - Payment Schedule: Detailed breakdown of lease payments and purchase price calculations

3. Schedule C - Property Condition Report: Initial condition assessment and documentation of the property

4. Schedule D - Maintenance Schedule: Detailed maintenance responsibilities and schedules

5. Appendix 1 - Required Documents: List of documents required for eventual property transfer

6. Appendix 2 - Property Plans: Property plans, drawings, or surveys

7. Appendix 3 - Insurance Requirements: Detailed insurance requirements and specifications