₦airaland Forum

ZhyonKross:
This is very good and interesting if only it could be true, I tried registering but I had to stop at the point of payments, my fear is why paying for registering...,

You pay for pre-qualification, advisory and support towards application for funds.

Several other mortgage organisations charge up to N15,000 for this after going through the stress spending time, money and energy of visiting their office. And they might provide you result within a delivery time of 48 hours.

But www.firsthome.ng delivers same service to you at a token of N1,500 within seconds leveraging their automated digital platform.

Ever thought of owning your own home?

Have you ever imagined coming home to a house that is totally yours?

Do you know there is a fail-proof way of moving from rent to home ownership?

The answer is Mortgage. Yes! Mortgage.

A mortgage is a loan an individual gets from a bank or other financial institutions in order to purchase a land/house, build or renovate an existing house. Mortgage in Nigeria has a maximum tenure (repayment period) of 30 years.

Why Mortgage?
The National Housing Fund (establishment) Act 2018, passed into law on February 18, 2019 mandates every adult Nigerian in public, private or self employment who earns up to minimum wage to contribute 2.5% of their earnings (aside tax) to the National Housing Fund (NHF) scheme under the Federal Mortgage Bank. The funds are accessible to contributors who have been consistent for up to 6 months at a 6% interest rate, to enable them buy, build or renovate existing properties. The Act also details grievous consequences for defaulters.
Most workers in the public and organized private sectors have their NHF contributions automatically deducted before tax. Those who do not access the NHF loan are eligible to receive back all their contributions at a 2% interest rate at their retirement period or say after 35 years. The problem with having to wait this long is that capital erosion caused by the devaluation of the Naira due to inflation and unstable exchange rates would have made this hard labour a waste of good years.
As you have learnt, a mortgage makes home ownership affordable, especially, one you have contributed to. It is to your own good to take advantage of the NHF mortgage provisions now, which is a sure way to own your own home. The NHF loan also has provisions for early repayment, and a monthly or annual repayment amount that is not more 1/3 (one third) of your earning.

PRE-QUALIFICATION
Access to mortgage in Nigeria can either be through the Federal Mortgage Bank or Commercial Mortgage Banks. However, it is preceded by a Pre-qualification or Affordability test.

This is a test that determines how much loan an individual is qualified to receive from either of the above lenders, the available tenure of the loan and the necessary monthly/annual repayment amount, based on the individual’s income. This test is easily facilitated by mortgage brokers at rates ranging from N10,000 to N15,000.

The fastest and cheapest way to get a pre-qualification/affordability test in Nigeria presently is through https://app.firsthome.ng owned by First Home Mortgage Brokers.

Mortgage brokers stand as middle men between mortgage banks and the individuals seeking mortgage loans. The services they offer include; Conducting Pre-qualification/Affordability tests, gathering and pre-processing of documents required for mortgage application, application and client representation, advisory and property consultations, etc.

Considering that mortgage is still in it's infancy stage in Nigeria, it is advisable to seek support FirstHomeNG, which is Nigeria’s foremost mortgage brokerage company that combines technology and years of expertise in the industry to deliver you a fast, easy and secured way to accessing a mortgage.

FirstHomeNg has a vision of 10 million Personal Housing for Nigerians by 2026, through the 10MPH initiative. A part of this they have started achieving is the digitization of the mortgage pre-qualification and application process.

At the little cost of only N1,500 ( as against other mortgage brokers who charge up to N15,000 with up to 48 hours waiting time) you can both take your pre-qualification or affordability test online and have the result automatically delivered to your email address, and also start your mortgage application document pre-processing. Firsthome.ng automates and cut cost through use of digital technologies.

Read more about firsthome.ng as published on newspapers:
https://www.vanguardngr.com/2020/06/fmb-launches-home-ownership-app/
https://businessday.ng/companies/article/fmb-launches-home-ownership-app/
https://thenationonlineng.net/app-to-support-mortgage-applicants-unveiled/

Looking forward to you owning your own home this year!

We are in an age where lots of our works happens online directly or indirectly. Our major workstations are our Smartphones/Laptops, some businesses could partially halt when they develop faults. So, I thought of solving a major problem which we busy people in Lagos face. Many of us are quite busy that it's tough stepping out to fix our phones, laptop and other devices when they get faulty. Let's assume we squeeze out time, we will be faced with another hurdle of meeting the right engineer to fix our device timely at the best price. So I setup phonemafia.com to help solve this problem of fixing your device without leaving your home/office. We have engineers with over 10 years of experience in fixing iPhones, Samsung phones, Tablets and Laptops. You could have your device back in your hands same day. Importantly, we plan to start providing useful contents and insight about the device trends based off computer village. Feel free to check our website.

https://i1.wp.com/disruptiveafricaexpo.com/wp-content/uploads/2018/08/Google-CEO-with-Africans.jpg

Google, IBM, Apple no longer require a University or College degree to hire you. This is the part of the future of work. Presently, the educational systems are unable to catch up with teaching the fast paced advances in technology. Hope Nigeria/Africa could borrow a leaf from this.

http://disruptiveafricaexpo.com/google-apple-ibm-now-hire-without-university-degrees/

“If you are not busy reinventing your company, I guarantee you are falling backwards” (Fujio Cho, Vice Chairman of Toyota, most innovative Companies in 2016).

By 2020 there’ll be half a billion internet users in Africa, presenting an opportunity for businesses. The Internet is at the heart of economic growth, and organizations can leverage on digitals to help elevate, position and play in the tough time, in order to navigate the blue waters. However, to deliver exceptional results and compete globally, organizations are to leverage on the power of digital in bring about new and exciting ways to grow businesses.

This strategy can help create blue ocean opportunities for your organization which could help them attain a 5 year result in one year. Every company can succeed online, start a new product/services, grow the existing one, or share their passion with others. With over 80 million Nigerians having access to the internet and a large number of also very active on Social media platforms daily, the game has now moved online. Bulk of business transactions are happening online, interactions online are now influencing company brand rating, organizational policies, government policies.

For internal Organisational Trainings on Business Innovation, Digital Platform, Web/Mobile App and Digital Marketing mail us on david@wiretooth.com 08099447105

#DigitalMarketing #Google #facebook #Innovation

One good thing about Africa compared to other continents, is the opportunity to innovatively build and leverage ecosystems and become among first movers in an unsaturated market.

You are invited to participate in the upcoming 4th edition of the Disruptive Africa Conference, Workshop and Awards.

Disruptive Africa Conference will be co-running an Innovation Growth Workshop Innovation Growth Workshop under the tutelage of Prof. Ndubuisi Ekekwe (TED Fellow, World Economic Forum Young Global Leader and Harvard Business Review author, CNBC Africa Innovator 2018), to help companies come up with Innovation roadmaps and models for their organisations. Workshop is scheduled Sept 26-27 2018. Learn more on structure, topic, and more here.

Name of Conference: Disruptive Africa Conference
Theme: ''An Augmented Continent''
Date: 26-28th, September 2018 (Day1&2: Innovation Growth Workshop with Prof. Ndubuisi Ekekwe, Day3: Conference & Awards)
Venue: Lilygate Hotels, Lekki off Admiralty way.

In this edition, we are working in partnership with Businessday, PwC, Fasmicro group and other organisations. We will be recognising individuals and companies who have been making Africa a better place using disruptive technologies.

Visit our website for more details on registration: www.disruptiveafricaexpo.com

For enquiries, please feel free to contact Bayo +234-802-338-5775 or email bayo@disruptiveafricaexpo.com

#Innovation #IoT #Internet-of-Things #BigData #DisruptiveTechnologies #DisruptiveAfrica #ML #ArtificialIntelligence #Robotics #InnovationGrowthWorkshop

One good thing about Africa compared to other continents, is the opportunity to innovatively build and leverage ecosystems and become among first movers in an unsaturated market.

I will like to invite you to participate in the upcoming 4th edition of the Disruptive Africa Conference and Awards.

Disruptive Africa which happens to be the first group in Africa focused in programs that promote Disruptive technologies, Digital transformation and the Fourth Industrial Revolution since 2015, was founded by the David Alozie

Disruptive Africa Conference will be co-running an Innovation Growth Workshop Innovation Growth Workshop under the tutelage of Prof. Ndubuisi Ekekwe (TED Fellow, World Economic Forum Young Global Leader and Harvard Business Review author, CNBC Africa Innovator 2018), to help companies come up with Innovation roadmaps and models for their organisations. Workshop is scheduled Sept 26-27 2018. Learn more on structure, topic, and more here.

Name of Conference: Disruptive Africa Conference
Theme: ''An Augmented Continent''
Date: 26-28th, September 2018 (Day1&2: Innovation Growth Workshop with Prof. Ndubuisi Ekekwe, Day3: Conference & Awards)
Venue: Lilygate Hotels, Lekki off Admiralty way.

In this edition, we are working in partnership with Businessday, PwC, Fasmicro group and other organisations. We will be recognising individuals and companies who have been making Africa a better place using disruptive technologies.

Visit our website for more details on registration: www.disruptiveafricaexpo.com

For enquiries, please feel free to contact Bayo +234-802-338-5775 or email bayo@disruptiveafricaexpo.com

#Innovation #IoT #Internet-of-Things #BigData #DisruptiveTechnologies #DisruptiveAfrica #ML #ArtificialIntelligence #Robotics #InnovationGrowthWorkshop

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A taste of a different kind of internet.

Feel free to reach out to Wiretooth MFB on
08099447105.
We will provide you with documents and any other support required.

davedisruptive:
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You want to start are Loaning or Micro-finance business or service, you definitely need an affordable and reliable software/mobile App for Account managements, payments and reports, this Software is what to need to setup your MFB.

Its been tested in over 20 countries of the world especially in emerging economies.

This software can be used for Ajo and Esusu account management

With the mobile App, Ala Ajo can take and record payments without having papers, using the mobile App, and the record will be stored in the server

For money lenders, they can use it to create account and monitor recurring and periodic payments of loans given

If you are ready to start a lean Microfinance bank with least cost, very few staff, then you need Money and this software.

We are official partners with Mifos, makers of one of the best financial inclusion platforms for emerging economies.

Call 08099447105, or mail us info@wiretooth.com for further details. #financialInclusion #Micro-Finance

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You want to start are Loaning or Micro-finance business or service, you definitely need an affordable and reliable software/mobile App for Account managements, payments and reports, this Software is what to need to setup your MFB.

Its been tested in over 20 countries of the world especially in emerging economies.

This software can be used for Ajo and Esusu account management

With the mobile App, Ala Ajo can take and record payments without having papers, using the mobile App, and the record will be stored in the server

For money lenders, they can use it to create account and monitor recurring and periodic payments of loans given

If you are ready to start a lean Microfinance bank with least cost, very few staff, then you need Money and this software.

We are official partners with Mifos, makers of one of the best financial inclusion platforms for emerging economies.

Call 08099447105, or mail us info@wiretooth.com for further details. #financialInclusion #Micro-Finance

tope777:
New stock of 500pcs now available at Akwa Ibom. Call for inspection and payment now.

Is that the only dimension you have? can we get 2.5 by 40ft 10-12MM thickness