Embarking on the journey of homeownership is a dream for many, but before you dive into the world of mortgages and construction, have you considered taking a detour through the realm of apartment living? Renting accommodation before building your house might not be the traditional path, but it’s a decision laden with wisdom and practicality.

In this article, we’ll delve into five compelling reasons why you should seriously contemplate why you should rent an apartment before taking the leap into homeownership. From financial stability to understanding your housing needs, this detour can set you on a course for a more informed and rewarding homeownership experience.

So, let’s explore why temporary apartment living can be the first step toward building your dream home.

What does it mean to Rent an Apartment?

Renting an apartment means entering into a contractual agreement with a property owner or landlord to temporarily occupy and use a specific living space within a residential building or complex in exchange for periodic payments, typically on a monthly basis.

Rent an Apartment Before Building Your House

This arrangement grants the tenant the right to live in the apartment for a predetermined duration, which is usually outlined in a lease or rental agreement. When you rent an apartment, you essentially become a tenant, and you are responsible for paying rent regularly, adhering to the terms and conditions set forth in the lease, and following any rules and regulations established by the property management or landlord.

Renting an apartment provides individuals or families with a place to call home without the long-term commitment and financial responsibility associated with owning a house. It offers flexibility, as tenants can choose to move when their lease term expires or is terminated, making it a popular choice for those who may not be ready for the commitment of homeownership or need temporary housing solutions.

Top Reasons to Rent an Apartment

Choosing where to live is a significant decision, and one option that often stands out is renting an apartment. Whether you’re a young professional starting your career, a family in transition, or simply looking for a change, renting accommodation can offer numerous advantages.

In this section, we’ll uncover the compelling reasons why apartment living might be the perfect fit for you. From flexibility to amenities, cost-effectiveness, and more, we’ll explore the top reasons you should consider before you rent an apartment as your next living arrangement.

Gain Financial Stability

One of the fundamental reasons to consider before you rent an apartment is the opportunity it provides to bolster your financial stability. Renting allows you to establish a strong financial foundation, which can be a crucial stepping stone towards achieving your long-term goals, including homeownership.

Here’s how renting an apartment can contribute to your financial stability:

  • Savings for the Future: Renting typically involves lower upfront costs compared to buying a house, which means you can allocate more of your income towards savings. This extra financial breathing room can be used to build a robust savings fund.
  • Debt Management: If you have existing debts, renting can help you focus on paying them off efficiently without the added burden of a mortgage. Reducing or eliminating high-interest debts can significantly improve your financial health.
  • Credit Score Improvement: Timely rental payments can positively impact your credit score. A strong credit score is essential when you eventually apply for a mortgage, as it can lead to better loan terms and lower interest rates.
  • Budgeting Practice: Renting encourages responsible financial management. You’ll learn to budget for monthly rent, utilities, and other living expenses, honing your financial discipline for future homeownership.
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By renting an apartment, you can set yourself on a path toward greater financial stability, which will ultimately make it easier to achieve your housing aspirations in the future.

Understand Your Housing Needs

Before making the momentous decision to build your own house, it’s essential to gain a deep understanding of your housing needs. If you rent an apartment, it provides a unique opportunity to explore and refine these needs, helping you make informed choices when the time comes to invest in a permanent home.

Here’s how renting an apartment can aid in understanding your housing needs:

  • Experiment with Different Spaces: Accommodation comes in various sizes and layouts, allowing you to experiment with different living environments. You can try out compact studios, spacious one-bedroom units, or even larger apartments to determine what suits your lifestyle best.
  • Location Exploration: Apartments are often situated in diverse neighborhoods and communities. By renting in various areas, you can assess factors like proximity to work, schools, amenities, and public transportation. This experience will guide your decision when selecting the ideal location for your future home.
  • Amenity Assessment: Many accommodations complexes offer amenities such as gyms, pools, and communal spaces. Renting in such places lets you evaluate the importance of these amenities in your daily life and whether they align with your lifestyle and preferences.
  • Family Considerations: If you have a family or plan to start one, renting an apartment allows you to assess the space and layout needed to accommodate your household comfortably. You can determine if a family-friendly neighborhood and nearby schools are a priority.
  • Cost vs. Comfort: Renting provides a tangible sense of the cost of living in different types of spaces. You’ll gain insights into how your budget corresponds with your desired level of comfort, helping you set realistic expectations for your future home.

By renting an apartment and carefully considering these factors, you’ll be better equipped to make housing choices that align with your unique needs and preferences when the time comes to build your dream house. Renting acts as a valuable testing ground, ensuring that your future home is tailored precisely to your requirements.

Experience Home Maintenance

Renting an apartment goes beyond just providing a place to live; it offers an excellent opportunity to gain firsthand experience in home maintenance. While not as comprehensive as owning a house, apartment living introduces you to essential maintenance tasks, helping you become a more knowledgeable and prepared homeowner in the future.

Here’s how renting an apartment can contribute to your understanding of home maintenance:

  • Basic Repairs: Apartments often require minor repairs and fixes. You’ll learn how to handle issues like leaky faucets, running toilets, or malfunctioning appliances. These skills can save you time and money when you own a house.
  • Communication with Landlords: When something goes wrong in your apartment, you’ll need to communicate with your landlord or property management. This experience teaches you how to effectively report problems, ensuring they get resolved promptly.
  • Emergency Preparedness: Apartment living may expose you to unexpected situations like power outages or plumbing emergencies. Dealing with these incidents prepares you for handling similar crises as a homeowner.
  • Budgeting for Maintenance: Renters often have to budget for regular maintenance, such as changing air filters or addressing wear and tear. This financial planning skill is transferable to homeownership, where maintenance costs are more substantial.
  • Understanding the Property: Living in an apartment allows you to understand the layout and systems of a property. You’ll gain insights into the building’s infrastructure, which can be beneficial when you’re responsible for the maintenance of your future home.
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By experiencing these aspects of home maintenance while renting, you’ll enter homeownership with a greater level of confidence and competence. You’ll be better equipped to address common issues and communicate effectively with contractors if needed, ensuring that your future house remains in good condition for years to come.

Test Your Location Preferences

Selecting the right location for your future home is a pivotal decision in your journey toward homeownership. Renting accommodation provides you with a unique opportunity to test your location preferences and explore different neighborhoods and communities, helping you make a well-informed choice when it’s time to build your permanent residence.

Here’s how renting an apartment can help you evaluate your location preferences:

  • Proximity to Work: Renting an apartment allows you to experiment with different commuting distances to your workplace. You can assess the convenience of living closer to your job or evaluate the benefits of a more extended commute.
  • Community Atmosphere: Apartments are often situated in diverse neighborhoods, each with its own ambiance and culture. Living in different areas lets you gauge the sense of community, local activities, and social opportunities that align with your lifestyle.
  • School Access: If you have children or plan to in the future, renting in different areas enables you to explore the quality of nearby schools and educational facilities. This insight is invaluable when deciding on a location that supports your family’s needs.
  • Amenities and Services: Apartment complexes may offer various amenities and services. By renting in different places, you can assess the importance of having nearby parks, shopping centers, healthcare facilities, and recreational areas.
  • Safety and Environment: Apartment living allows you to experience the safety and environmental factors of different neighborhoods. You can evaluate aspects like noise levels, security, and overall comfort.

By thoroughly testing your location preferences through accommodation living, you can make an informed decision when it’s time to build your house. This firsthand knowledge ensures that your chosen location aligns with your lifestyle, priorities, and daily needs, enhancing your overall satisfaction with your future home.

Flexibility and Freedom

One of the standout advantages of renting an apartment is the unparalleled flexibility and freedom it offers. Unlike the commitment and permanence often associated with homeownership, apartment living provides you with the agility to adapt to life’s changes, explore your options, and make well-informed decisions.

Here’s how flexibility and freedom manifest in the world of apartment living:

  • Easy Relocation: Apartment leases typically have shorter terms than mortgages. This means that if your circumstances change, such as a new job opportunity or a desire for a different neighborhood, you can relocate without the lengthy process of selling a house.
  • Financial Maneuverability: Renting an apartment allows you to allocate your finances strategically. You can adjust your budget to save more, invest in other opportunities, or simply enjoy a more flexible lifestyle.
  • Exploration and Experimentation: Apartment living encourages you to explore different living spaces, amenities, and neighborhoods. It’s a chance to experiment and find what truly suits your lifestyle and preferences.
  • Adaptation to Life Changes: Life is full of surprises, from job relocations to family expansions. Renting provides the flexibility to adapt to these changes seamlessly, ensuring that your living situation always aligns with your needs.
  • Time for Decision-Making: Renting an apartment doesn’t rush you into homeownership. It gives you the time to carefully plan, save, and make informed choices about your future home without the pressure of a looming mortgage.
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The freedom and flexibility of apartment living empower you to lead a dynamic and adaptable life. It’s an excellent choice for those who want to explore their options, adapt to changing circumstances, and make deliberate decisions when the time is right to transition to homeownership.


In the pursuit of homeownership, renting an apartment may seem like an unconventional detour, but it’s a journey laden with wisdom and foresight. This article has explored five compelling reasons why you should consider renting an apartment before building your dream house.

From gaining financial stability and understanding your housing needs to experiencing home maintenance, testing your location preferences, and reveling in flexibility and freedom, apartment living equips you with valuable insights and skills that will serve you well on your path to homeownership.

Renting an apartment isn’t merely a temporary arrangement; it’s an opportunity to prepare for the significant responsibilities and decisions that come with owning a house. By choosing this path, you’ll be better equipped to make informed choices, create a home that aligns with your unique needs, and embark on the journey of homeownership with confidence.

So, as you consider your housing options, remember that the path to your dream house may very well begin with the door to an apartment. It’s a journey worth taking, one that promises a brighter and more informed future as a homeowner.


How long should I rent an apartment before building a house?

The duration can vary depending on your financial goals and personal preferences. However, renting for at least one to two years is recommended to gain valuable experience and savings.

Should I buy a property while renting an apartment?

It’s possible to invest in real estate while renting an apartment, but it’s essential to consider your financial situation and long-term goals. Consulting with a financial advisor can provide valuable insights.

What should I look for in an apartment rental?

Consider factors like location, rental price, amenities, lease terms, and the reputation of the property management company when choosing an apartment to rent.

Can renting an apartment help improve my credit score?

Yes, responsible management of rental payments can positively impact your credit score over time, making it easier to secure a mortgage for your future home.

Is it possible to customize an apartment like a house?

While customization options in apartments may be limited compared to houses, many landlords allow tenants to personalize their living spaces within certain guidelines. Discuss customization possibilities with your landlord before making any changes.


Dennis Isong is a top realtor in Lagos with several awards. If you are looking for a trustworthy realtor in Lagos, Nigeria, especially if you are a Nigerian in the Diaspora hoping to own property in Lagos, Nigeria, stress-free, then talk to Dennis Isong. For questions, WhatsApp or call 2348164741041.
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