₦airaland Forum

aejaywhite: Pics

Krasid: Nigeria is still learning.We will get there someday.

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.

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

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