₦airaland Forum

Amazoner01:
Taking into factor that you’re paying rent (landlord’s mortgage) you could use same for yours.

The thing is mathematics can be very funny. We are just talking based on assumptions and not hard data.

Until someone sits down, with all things being equal, and give both parties. (Party A - an immigrant renting a house) (Party B - an immigrant who is owning a house with 5% down payment)

Lets assume party A rents for 5 years and he saved up about 20% down payment for a mortage of 20years on a house of 200k

Lets assume Party B has always owned a house on mortgage with a down payment of 5% for a house of 200k for 20 years.

I dont know who would have saved more money. I wish there was hard data we can work with to see which is better, to save up enough deposit for a mortage while still paying rent. Or just go into the mortgage market from the on set even if we have only 5% deposit

I dont know if i am missing something. But why is everyone fighting for lenders giving as low as 5% deposit, that means lender will be giving u as much as 95% ltv. Do we understand that the lower ur deposit, the more you'll end up paying as interest and the longer you will pay interest?

Why arent we fighting to have enough cash to pay deposit, so we can pay as much as 30% deposit?

Abi am i wrong mathematically

Lexusgs430:
Once you obtain a full DL, it's subject to renewal every 10 years ........

You don't do another test, you simply pay, tick boxes and submit your application (not unless your license is subject to a revoking order)...... Then you might be required to undergo a medical examination etc etc ....

Dont mind me. I just read what u wrote well. I thought it was the licesnse u said expires every two years. I just read that it is the thory test that expires bi annually

semmyk:
Great hearing from you and knowing you're in great form. While busy form-filling, do well to contribute/plough back your mortgage experience on the [url]https://www.nairaland.com/7534564/living-uk-propertymortgage-related] Living In The UK: Property,Mortgage And Related[/url] thread

Make i go digest this thread. Cus house na koko oh

Lexusgs430:
- Get a provisional licence
- Start preparing for your theory test
- After you pass the theory test
- Pay a driving instructor or buy a vehicle, then get a friend/enemy, with a full DL of over 3 years to instruct you (if using a friend/enemy). Once you perfect your driving skills, get a licenced instructor to top up (possibly 5 lessons).....

Once you get positive FB, about your ability to drive, coordinate, adherance/understanding of the highway code.......

BOOK A TEST (hopefully you would pass at 1st attempt)........

NB: Your theory test, once passed..... Expires after 2 years......

Also ensure your vehicle is fully legal, before you hit the road.......

So i have to be renewing my license every two year through a test or just through paperworks. Asin after two years and the license has expired, will i just need to submit some documents to renew or i will go through driving tests again to renew?

Lexusgs430:
- Insurance (yearly)
- MOT (yearly) Not required for vehicle's under 3 year's
- Road Fund licence (yearly)
- Servicing (ongoing)
- Petrol/Electricity/Diesel

Abeg sir lexus
If someone want to start driving in uk without license. What is the first step in learning how to drive.


After or before driving school what next?

Temi231:
You do not change from a Nigeria license to a UK license. The first thing you need to do is to apply for UK provisional driving license
2. Apply for the Uk theory test which you need to pass before you can be ready for the practical driving test
3. Apply for the practical driving test once you pass your theory test.

All these must be done within one year of your arrival in the UK

What do u mean all these must be done within one year? So if i dont learn how to drive within one year in uk i cant learn how to drive in uk again?

LagosismyHome:
What revenant work experience do you have and do you need sponsorship.... all that is listed below to find sponsorship is not easy and entry having relevant experience is the main koko

I never get experience yet.
Plan is to work in any of the field for 2 years under post graduate visa. Then find spons after two years since by then i'd have had experience.

But i need to know the niche that will be hot by then. It should not be limited to the three listed.

Between
Cyber sec
Project management
Website dev


Which one will be in demand and good pay in three to 10 years time? Or which nice niche will be in demand and good pay in three to ten years time

ukay2:
It depends if there's red light camera at the junction.

Wait for 2 weeks to see if you will get letter....palpitations period for any brown envelopes.

You may likely escape this scenario. Reflect on it and don't break the red light signs.

The rule for me is from far distance, check the traffic lights and if green has been for a long time before l reach the junction, I reduce speed as l am approaching, knowing that it will soon change to Amber to red.

We wey come dey cross road even when light never green for pedestrian nkan?

Abeg guys. If i am taking a flight from 9ja to uk via airfrance. Would i need transit visa or brp is suffice?

Some people said they accept brp since my final destination is uk.

ukay2:
Yes

Abeg wetin lead to this talk. Cus i no dey use ear hear get some back later

Abeg how long will it take to get transit visa for france.

Guys please can someone explain what rqf and nvq is.

1) are they both same thing?

2) is rqf or nvq for people in care roles or hca only? Because why do people with nvq 6 or above earn more than a masters degree holder doing the same care work in same office even when online it is said that masters degree is an equivalent of nvq 7?

3) how could someone get these nvq and rqf certs?...

AKALAMAGBO:
5 children as an immigrant for this UK? Omo na big stress oo, I hope they are all grown sha? So worries no go too much.
How you wan get time work? You will be a busy man for about a year before you find your own bearing unless older family member would help..

No pun intended… Just wondering with you…

He dint ask u how he will take care of the children. It is documents he will use to come over he asked.

eniola1010:
Guys please can someone explain what rqf and nvq is.

1) are they both same thing?

2) is rqf or nvq for people in care roles or hca only? Because why do people with nvq 6 or above earn more than a masters degree holder doing the same care work in same office even when online it is said that masters degree is an equivalent of nvq 7?

3) how could someone get these nvq and rqf certs?

Abeg make person help us shed light

Guys please can someone explain what rqf and nvq is.

1) are they both same thing?

2) is rqf or nvq for people in care roles or hca only? Because why do people with nvq 6 or above earn more than a masters degree holder doing the same care work in same office even when online it is said that masters degree is an equivalent of nvq 7?

3) how could someone get these nvq and rqf certs?

giselle237:
Moss bros, John lewis, Burton menswear, Hawes and curtis, Asos, Marks and spencer, Next, Charles tyrwhitt, Ted baker, Guess, M and m direct, River island

I tink say u go mention primark. Make i throw u stone

Guys who has a resource for calculating inflation.
For example. Is it worth saving in cash lisa for many years? How do u know if that money will be worth what its meant to be worth after those year due to inflation?

I need better recourse that teaches inflation mathematically.

bukonlami:
Please guys if my ticket says 2 piece baggage, how many 23kg bags am I entitled too.

2x23kg

Abeg if person get sponsorship for care work. Shey that person fit get sponsorship for another work for another industry and dump the care work?

humblemoi:
Correct

This one no sweet my belle o.

hustla:
only 20 hrs in a care related role last time I checked

Seems it was changed some months ago though

So you mean to say if i have CoS for project management, i cannot do care work in my leisure as a second hustle. It must be anything related to pm that i can do in my leisure

If someone has cos for care work. Can such person do do another work not related to care in his or her leisure

hustla:
She can claim For everyone Sir

Why u come use vex answer the question na lol

So when MA wants to apply for ihs refund. Will they refund Dependent's own too(even if dependent doesnt work in healthcare)?

rinzylee:
Tier 2 -
A) 37.5hrs + 20extra hours maximum
B) If your COS says you are a doctor, you can only work as doctor.



ILR
A) You can work uncountable hours
B) You can work as anything, anywhere and anytime.

Hope this is self explanatory?

Oh wow i never knew this before. Na wa o

fascco:
I’m only asking if there is any supporting document I need to take along. I did my wife application myself jokingly (the first time I will do application on my own).
I only need help maybe I will go with any supporting documents. They did not ask her for any documents when she go for appointment.

Fiasco. I need an information from you. Please check ur dm

rinzylee:
All restrictions previously placed on your hours or type of employment are lifted. If you are a doctor and you want to work as a butcher, for 1000hrs a week, you are absolutely free to do so.

Sorry i process info very slowly. So you are saying the amount of hours a person with ilr status can do is/can be more than someone on t2 visa?

Regex:
He meant wife got US tourist visa. He is asking how he will go about his.


He should still go same way wife went.

That is why she is putting the question mark nau. Lol dont u get the sarcasm. She is simply telling him to ask his wife how she went about hers

rinzylee:
Sorry o, I was away.

Basically Agency jobs pay more than normal NHS shift but you are not entitled to paid leave or holidays. I also don't think they have health insurance like the normal NHS would provide.

It's like a person who books a bolt ride from Ikeja to costain vs Using BRT for the same route, the charges would be different.

The fact remains, that you start earning money in this UK after ILR, because all those restrictions on how much hours you can put in would be non-existent.


Just keep your records clean and wait in hope!!!!

What did u mean by hours you put in is non existent? If you are on work visa and after you have gained ilr status is it not same number of hours you can work if you choose to? Abi i am confused. Pls explain

.