Design an Affordable Housing Finance Model for Nigerian Families Earning ₦100,000 a Month

A family earning ₦100,000 a month cannot afford a Lagos mortgage — the minimum deposit, the interest rate, and the income verification requirements rule them out. They rent forever or move to the city's fringes. Neither is a solution. Your challenge is to design a housing finance model that gives a family earning ₦80,000 to ₦120,000 a month a realistic path to home ownership within 7 to 10 years. The model can be rent-to-own, cooperative, employer-linked, or any other structure. It must not rely on traditional bank mortgages. Submit: the model structure, how families access it, monthly payment amounts, how the developer or funder is sustained, legal considerations in Nigerian property law, and a worked example for one family. Judging criteria: 35% affordability and accessibility, 30% financial sustainability, 25% legal and operational feasibility, 10% originality.