₦airaland Forum

I guess d 180k is cuz he is an Abuja, @Uncleb thank u O! nigerians still shy from taking credit, they have not imbibed a credit culture, credit is gd, as long as its not 4 luxury, u don’t take credit to buy clothes, but for tanible things that may make sense in d long run why not, a colleague took credit earlier in d yr 2 buy Dangote sugar IPO, plus d bank interest and all, she came out with a lot of money

9star

learn to be your brothers keeper

whatever d forum is meant for; sport, romance or what have u, of what benefit is it if it doesnt enhance someeone's life?
thats why i bliv the end product should be solution

one is not being emotional, but when people share there plight, don't abuse or badmouth them

if u don't have solution to profer, just advise and if u don't have any advice, its not compulsory u reply.

I don't know who james is, but at least i know he is a human being and fellow nigerian
.

and if u understood the post very well, he's actually asking if there is wisdom in taking loan, and not asking anybody in the house to give him money  nor even lend him money.

so let be mindful of how we react to issues


nobody prays to hav prob , but we all face challenges and kud be u 2morrow

Well, many posts before me have already offered useful advice and i think you should take it. You have not been confirmed at your working place, so taking a loan may not be easy, either from your employer or from the bank. but it is not even good living on loans, especially when the loan is not to be invested. Renting an accommodation to live in, is not an investment.

Manage for the next few months, then take a room. Do not despise the days of little begining. As you settle down and get your ICAN, your market value will increase and you will get a better job and your standard of living too will improve. Remember, Rome was not built in a day. i agree with earlier posts that N180k is too much to spend on accommodation when you are still struggling to stand. Stand well, and you can get any accommodation you want. All the best.

9star,

You have a right to be heard and you also have the ability to shut up.

I think when you don't have anything positive to share option two might be a better way. That is if you know thats the way to go

All u presently need is a place to lay ur head

And probably something close to ur office (to minimise transport cost). So why not try Ebutte-Metta / Somolu,

Please opt for a cheaper accomodation, I know peeps that are paying dt 180k for 2 bedroom flat in neighbourhoods like Mile 2, Ogba etc, (which makes 180k a high price for self contained),

Please try to cut ur coat according to ur size,

I wish u well

Just take it easy man. Don't do anything you'll ahve to regret later ok?
Just be calm and take things as they. One day at a time.

mekoyo:
Just take it easy man. Don't do anything you'll ahve to regret later ok?
Just be calm and take things as they. One day at a time.

just on the spot !hang your bag where you can easily retrieve it.good luck.

@Poster
U have a genuine need but don't think it's really that bad. Try and get a low cost place for a start or better still hold up where u are. Tough times never last, u know.

let me give u a professional advice here.
Banks are not ready to fund your liabilities. yes. because your accommodation cannot generate wealth and pay back the loan. besides they'll need at least 6mths. payslip from ur current company and 6mths bank statement. and what do you think is going to be ur collateral?

Youths always have this erroneous impression in this country that once u get a new job, u'll have to move into a new house, buy a car and all that, so that pple will know u have arrived, instead of building wealth first.
If by any means u even get the loan, don't pay a house rent with it. look 4 an investment portfolio and invest that 180k, u'll be surprised at what that money will be in a years time.
From ur investment dividends, u can now pay 4 ur liabilities and depreciating assets.
See u at the TOP!

Really sorry but the issue clearly is this; even if if I advise you to take a loan, where will you get the loan from? I mean which of the banks? how? jazz??

Special Advicers welldone o.
Una dey try.
It is easier say than done.
@ poster, I wish you luck in your search for funds and accomodation.

make this guy come Ikorodu nauw! hin go get new three bed room flat for N120K 2 yrs! I beg, come enjoy ur life for Ikorodu my guy. Only you three bed rooms. oya come sharp sharp

Sorry, all i would have said has already been said.

I hope you succeed with the recovery process!

@9star, I pray you dont have problems! If you have anytin bothering your mind
you wouldnt mind going to any length to get solutions.
Besides you dont know what talking or sharing your problem on a forum like this could do
People would look at your situations from different point of views and advise, from there u cn get a lasting solution.
I can use myself as an example, I shared mine and found a solution here on nairaland!
@James
Please dear dont take loan of 180k to get a self contain accomodation
It is always advisable to get loan for sth dat would bring profit.
Please dont eat your tomorrow 2day go for a room instead for now
Then when u stabilise you can change your accomodation