₦airaland Forum

Dietrich92: what if every1 in the world had a ak-47? interesting. . .

babestell: Nice topic. Am guessing those who contributed work with the civil service. What of those of us who don't contribute, can we still access the loan and how much is the interest?

amokemi: From my own investigations, this is how it works.
1. All employees are statutorily obliged to contribute to the scheme.
2. Your employer deducts your contributions at source and remits to federal mortgage bank.(FMB)
3. You will be issued a passbook where records of your contributions will be updated on a monthly basis.
4. After contributing for six months, you can access the fund.
5. You approach a recognized primary mortgage institution(PMI)n open an account and apply through the PMI to FMB for the loan.
6. Before applying, you must have identified a property you want to buy, have your equity contribution in place with the PMI. The equity is btw 10 and 30% depending on the amount you want to apply for. The maximum you can get is #15m.
7. The interest rate on the loan is 6%.
8. It is a long and cumbersome process, but if you are patient, you will get the loan. I will advise anybody who wants to apply for it not to do it alone. You can get your colleagues who share the same vision to apply together so you can be encouraging each other.
9. Finally and most importaant, make sure you apply through a very reliable PMI because this will determine if and when you will get it.

I hope we find this very useful. God bless us all.

amokemi: From my own investigations, this is how it works.
1. All employees are statutorily obliged to contribute to the scheme.
2. Your employer deducts your contributions at source and remits to federal mortgage bank.(FMB)
3. You will be issued a passbook where records of your contributions will be updated on a monthly basis.
4. After contributing for six months, you can access the fund.
5. You approach a recognized primary mortgage institution(PMI)n open an account and apply through the PMI to FMB for the loan.
6. Before applying, you must have identified a property you want to buy, have your equity contribution in place with the PMI. The equity is btw 10 and 30% depending on the amount you want to apply for. The maximum you can get is #15m.
7. The interest rate on the loan is 6%.
8. It is a long and cumbersome process, but if you are patient, you will get the loan. I will advise anybody who wants to apply for it not to do it alone. You can get your colleagues who share the same vision to apply together so you can be encouraging each other.
9. Finally and most importaant, make sure you apply through a very reliable PMI because this will determine if and when you will get it.

I hope we find this very useful. God bless us all.

amokemi: From my own investigations, this is how it works.
1. All employees are statutorily obliged to contribute to the scheme.
2. Your employer deducts your contributions at source and remits to federal mortgage bank.(FMB)
3. You will be issued a passbook where records of your contributions will be updated on a monthly basis.
4. After contributing for six months, you can access the fund.
5. You approach a recognized primary mortgage institution(PMI)n open an account and apply through the PMI to FMB for the loan.
6. Before applying, you must have identified a property you want to buy, have your equity contribution in place with the PMI. The equity is btw 10 and 30% depending on the amount you want to apply for. The maximum you can get is #15m.
7. The interest rate on the loan is 6%.
8. It is a long and cumbersome process, but if you are patient, you will get the loan. I will advise anybody who wants to apply for it not to do it alone. You can get your colleagues who share the same vision to apply together so you can be encouraging each other.
9. Finally and most importaant, make sure you apply through a very reliable PMI because this will determine if and when you will get it.

I hope we find this very useful. God bless us all.

Brand_new: Did a little search and found this valuable info.
Link to NHS act.

National housing fund contributions can as well be accessed through participating finance houses like Union homes.

Hope this helps.

ayoku777: Gen 4v4 ...And the Lord had respect UNTO ABEL and to his offering.

Gen 4v5 ...But UNTO CAIN and to his offering he had no respect.

This two verses answer your question. God accepts a man before he accepts his offering. Cain offered his fruit but not himself. When you do that, God will respect NEITHER. God is not remotely as impressed with what we give as much as he is with our life. And that was made obvious from God's rebuke in v7 ...If THOU doest well, shall thou not be accepted? So what
as wrong with cain's offering? CAIN.

So to answer your second question, you make your offering more acceptable to God by first offering yourself. Your life is the true worth of every other thing you offer. The best offerings are the ones that come with the life of the offerer.

ayoku777: Gen 4v4 ...And the Lord had respect UNTO ABEL and to his offering.

Gen 4v5 ...But UNTO CAIN and to his offering he had no respect.

This two verses answer your question. God accepts a man before he accepts his offering. Cain offered his fruit but not himself. When you do that, God will respect NEITHER. God is not remotely as impressed with what we give as much as he is with our life. And that was made obvious from God's rebuke in v7 ...If THOU doest well, shall thou not be accepted? So what was wrong with cain's offering? CAIN.

So to answer your second question, you make your offering more acceptable to God by first offering yourself. Your life is the true worth of every other thing you offer. The best offerings are the ones that come with the life of the offerer.

ayoku777: Gen 4v4 ...And the Lord had respect UNTO ABEL and to his offering.

Gen 4v5 ...But UNTO CAIN and to his offering he had no respect.

This two verses answer your question. God accepts a man before he accepts his offering. Cain offered his fruit but not himself. When you do that, God will respect NEITHER. God is not remotely as impressed with what we give as much as he is with our life. And that was made obvious from God's rebuke in v7 ...If THOU doest well, shall thou not be accepted? So what was wrong with cain's offering? CAIN.

So to answer your second question, you make your offering more acceptable to God by first offering yourself. Your life is the true worth of every other thing you offer. The best offerings are the ones that come with the life of the offerer.

Blackteeth: Out of the numerous puzzles on earth this is what someone spent his time thinking about.
That's how Nigeria would land a man on the moon.

wales4real: For MTN, Send Stop to 33111. They won't charge you for the SMS.
You'll be replied with a message: You will be removed from our campaign database within 24hrs. Thank you.

obadiah777: of course this is for the spiritually discerned. the direct calling of Jesus an angel is in the book of revelation, for those who say christ is not an angel

REVELATION 10:1 And I saw another mighty angel come down from heaven, clothed with a cloud: and a rainbow was upon his head, and his face was as it were the sun, and his feet as pillars of fire:

2 And he had in his hand a little book open: and he set his right foot upon the sea, and his left foot on the earth,

3 And cried with a loud voice, as when a lion roareth: and when he had cried, seven thunders uttered their voices.
I have searched tru but could not poiny or locate the name Jesus.pls pls the Bible is written in black and white, learn to read it as it is and avoid making petsonal imputes.
THE LION OF JUDAH ROARING WHILE RECIEVING INSTRUCTIONS FROM GOD ( THE SEVEN THUNDERS )

simpleseyi: One more down, many more to go. All those who are sucking the masses blood will go six feet under. Jonathan's half brother, Dame Sheppopotamus's adopted mother, IBB's deputy-Augustus Aikhomu, IBB's pilfering wife- Maryam Babangida, Stella Obasanjo, Gen Owoye Azazi, Patrick Yakowa, Fashola's father, Tinubu's mother (my grandmother is 107 and still playing basketball and karate), Sunday Afolabi (he died in prison when Obasanjo locked him up for embezzling National identity Card's money), Jesus-on-Earth - imPatient Jonathan - oh, sorry she woke up after about a week.

Agagu looted Ondo's state treasury while he was the state governor and even national treasury while he was federal minister, now he has transferred the loot to his children who probably were looting with him too. God has seen that we are too weak to fight for ourselves and he, GOD the almighty has started fighting for the poor masses. If you think that I should not speak bad of the dead, please tell me some good things I can say about Sanni Abacha or about Jonathan's jobless mother that "donated" buildings to the university or about Obasanjo that took bribe from Halliburton and converter Nigeria's treasury to his personal account or about James Ibori the Guinness Book prison record breaker (He, his wife, his mistress(another lp wife), his wife's sister and his lawyer all in jail) or Alao Akala or Gbenga Daniel or Rev. Fr. Moses Adasu who was a catholic priest, he became Benue state governor and rose to be richer than the state and thereafter borrowed his state some money because he loved his state or the immediate past Bayelsa state governor Timipre Sylva who bought/built 48 houses in Nigeria excluding the ones abroad in his 48 months rule as governor (another Guinness record) or the Jonathan Goodluck that uses one million naira to eat per meal but shut down all universities for several days now. What good can I say about these looters when they eventually kick the bucket or kick the drum.

worldfamous23: So complete

fle jnr: Available

ofenmanu.com:
Nice and tough ride with good fuel efficiency. I actually drive from Umuahia to Lagos with less than 60 litres of fuel. I used it for 5 years and just recently sold it off. Same as VW Bora/Jetta. I dont agree with the parts being expensive unless U've entered 'one chance' of those spare parts dealers. Its cheaper to maintain an Octavia than a Camry.

ZIM DRILL: The most commont taxis in glasgow

The good is that they all have vw engines all you need to know is which engine from vw

tempex88: 1. Parts are very scarce and expensive but share most parts with volkswagen bora.
2. D fuel efficiency is superb.
3. The 2002 I used had a manual gear but changed d cluctch disk btw 2002 and 2004 despite it was bought new by a company. Don't knw if dat has to do with driving habbit.
4. D car is cool though I won't advice that u buy it cos of the spare part issue. For me its a very strong but unlucky car brand.

kambah: To God be the glory, my advise to her to shun whatever people will say and desist from bad friends now, I wish God to make it 'had I knew I could have done this since' also her conversion should open more blessing, joy, success nd prosperity. Also, remember u did this not because worldly stuff, if u do this for Allah's sake and HE shall be ur sustainer, Aishat.

jidegirl12: Are you Bullying them now because it doesn't seem right to you and your beliefs? Do you really know what effect this thread can cause for gays out there?? Suicide attempt maybe?

Why can't you live and let others live Nigerians?? I tire oh.

tical: hapi b'day prophet TB joshua...may God continue to increase your anointing..let the success of your ministry continue to hurt your enemies & those ministries praying against u.

HNosegbe: This bridge was obviously built for the high-class neighbourhoods of Lekki Phase I and environs... People who can AFFORD to pay the toll.

I would have had issues if the bridge was built (and tolled) at Ayobo, Iyana-Ipaja, Agege, Ajegunle or Ikorodu.

It's a win-win as far as I see. The Lekki folks get the satisfaction of bypassing Ozumba traffic (leaving it less congested for others) and the government makes more money which can be used for other purposes.

Can't complain.

Demdem: This man is talking rubbish. The question is did he vote or not? If he had issues with Amaechi contesting, why then did he have to vote? Why did him and his cohorts simply just walked out when they felt it will be an injustice if Ameachi was allowed to run? Besides, if their candidate had won, would this be an issue?
O yes, u guys had a consensus candidate in Jang however on getting to the election venues, the governors felt that Amaechi was a better and eefective candidate that the miserable Jang and they had no choice but to vote him.
I wonder why this is so difficult to grasp.