₦airaland Forum

LagosismyHome:
That must be those days, over 10 years if not more ..... I doubt if any bank does 0% deposit.

Does that mortgage package exist anymore ??

that was o ne of the factors that cause the credit crunch, thos shiny flats in the doclands which are shiny and empty,fraudstars cashed out big time o n the mortgage company cos they made a massive mistake on that 0% deposit, teh Asians dealt with it nor be small!

LagosismyHome:
Selling a house is not even as easy as saying I want to offload tomorrow..... u can even try to sell and the house will be in the market for months..in recent times some properties are been reduced in order to sell meaning negative equity . However Yes I take owning more than renting any day .

But ok.

Success story is good as long as the person is aware of the pros and cons. Everyone should ensure they have a clear picture before they jump .

very true,it is not easy to sell, even to release equity in your house these days nah war , there is even a businesss for that now
I think for some people rent is good why others Mortgage is the way.nah teh deposit be the koko cos 25 to 30K Pounds cash nor be beans! nah people full year basic salary

Lexusgs430:
Oga Eric, talking about mortgage, I know exactly what I am talking about.......

I started buying houses from the days of 0% deposit....... Just find stamp duty + conveyancing fees and move in............

I can break this your reply down, but allow me go prescribe remdesivir + a cocktail of abx, to those who have decided to form a pact with corona.....

Bro Im sure you know where Im coing from, the easiset mortage is part buy part rent with help to buy, but even that is not cheap plus you need to be a keyworker, in London average deposit is like 25 to 30K. and we dont even know the i nterest rate as that is dependent on thier financial records.

RalphJean:
Thanks Erico...
I have more than 3 years financial history.
Do you have any tips for me?

I really need a mortgage,
Truly. 15,000 in 1 year on rent alone. For a 2-bed flat.
It ain’t it at all.

Am I eligible for the Government help to buy?
What % do I need to have to be eligible, please?

Listen to me, your best bet is to go fru a Broker, thank me later,There is a lot that goes on in the baground..You need to speak to a broker.
regarding help to buy, it is not for everyone, you must be a keyworker.best way to know is if you are working during this covid period.

Bourne007:
Halifax for me

Bross do not say that ohh, its an OLD SCOOL BANK

TRAY2:
I am a Radiographer and soon to be a Sonographer my job is high in demand.. i don’t need to wait till 5 years to be financially stable before i own a home, and for the car that is what i want i paid 50% of the amount and paying the balance in 3 years, everyone has what works for him or her.. Don’t discourage people, that is why Asians are making it real big,they virtually own h UK, because they encourage and support one another.

you know the Asians are like the Jewish people, the get loans from family to use as deposit so they dont struggle like us to raise £50K

Lexusgs430:
Rather than pay rent for 2/3 years, if you are able to get a mortgage..... Get a mortgage, by so doing, you would only have 22 years to go...... RENT IS DEAD MONEY.........

If you are unable to get a job afterwards, sell the property and cash your equity......... Can you claim cashback from your landlord........

You can lease a brand new vehicle for 24 months ..... SO WHAT ARE YOU TALKING ABOUT........


People are adults, with emotional and financial intelligence, to work out what is best for them........

OFF MY CHEST........

come o n Bro why are you tlking like this,?
How on earth are you going to get a Mortgage with financial history of even 3 years?even with a history of 5 to 7 years the Deposit will be minimum of at least 30% people born here who applied for mortgage as 1st time buyers get up to 25%\ and for the govt helpto buy scheame thats another fraud on thier part, its a long thing,you are going to drop at least 15% of that and you are buying a % of the mortgage.
Leasing a car is very expenssive, the cast majority of young people in the UK who lease live with their parents, or are living rent free.
Talking about sell off, well Lexus Im not being rude but if you own your House ie mortgage you will know that there are clause bonding you to the agreement of remortgaging your house for XY years, its meanimum of 3 years in most cases.The reality on ground is harsher than tall buildings and fine environments!

rhames:
How much will a Tokunbo Freelander cost sir?

pls add small money and buy an LR3 4get the freelander

gimakon:
I dont pray for Violence. But i am certain of one thing. Eyes has started opening except for these useless animals up north. Those ones never see anything bad for wetin Buhari day do.
Them born ma papa, He shout up nepa, Them born me , I mumu shout up nepa (for ma own Right way i day pay for o), Now we go soon start to have children and we go shout up nepa... e no resemble madness to you?

Yet youths for mile 2 go day make noise say if no be APC no party , after giving them 1500 to smoke weed one hot afternoon.
Many of us dont have sense.

nah so we see am.

gimakon:
Na January be this. 3 more years remain, after this one make them vote Tinubu or Inspector Sherlock Fashola.
Na just to die remain for them.

The politicians are not the problem, We the youths and the masses are our own issues. Recycling rubbish people to rule us, how we wan take see road.

Exactly, if this End Sars protest by youths does not show them they have the power then all hope is lost, the old hands cant fight nor steal boxes its the youths, so y dnt teh youths occupy these positions

gimakon:
GEJ + PDP in 15 years was better than 5 years of this man and APC.
Try and google Buhari and his headlines from 1985, na copy and paste them do. them just change date. Failure from beginning, failure in the end. Its a bad things most Nigerians cannot read.

I thank GOD i can now laugh at those who voted for him. The saying Leopard cannot change its skin is true after all!

Me too ahahah, dem nor remember 1984, this was wrong for the APC

leokid866:
So basically you gallantly lowered yourself to my level to tell me you have no sense......how nice....

guy you are Hungry, I get you, pls Im not the architect of your Hunger, go fight ur masters or better still argue with your ancestors!

leokid866:
Answer the question or keep quite.....be jumping from one lane to the next.....

Im not as silly as you, So wont bring myself to same level as your kind!

leokid866:
As a person please tell me one good thing jona contributed to Nigeria........I'll wait.

This is where Una nor dey use una head, who is talking of Jonathan?Im talking about you lot that use past Fg as a measure to pardon the present FG you are here talking about Jonathan and PDP shyte, make Una get sense abeg!

KolaShangOne:
I dont like it. I tell my guys to support mostly from ground up and window openings. Although they still break blocks if they have to.

2much holes

leokid866:
During jonathan Era his party hadress been in charge for fifteen years with nothing but steady decline been recorded So let's just move on from that........

Bro do not worry, I can tell you APC will win the next election so it will be 16 years too, by then we will see what the likes of you will use as comparism yard stick cos Una nor go ever get sense say nah people dey rule Nigeria not political parties as they have no agenda to make 9ja good!

informationNaija:
A J-5 bus conveying onions and red oil to the north loss his control early this morning as shops and properties are being destroyed, 5 people are already confirmed dead..

Our correspondent Chimelum Ajanma who pictured the scenerio said the accident was really tragic, security personnels were present at the scene to safeguard the goods..

just by looking you can tell non of those vehicles ought to be on our roads as they are death traps! still someone will be trying to do 100 o n one of these

ExAngel007:
https://punchng.com/why-passport-of-endsars-promoter-was-seized-immigration/?amp=1&utm_term=Autofeed&utm_medium=Social&utm_source=Twitter&__twitter_impression=true

lobish hence it's good to have dual citizenship if she get UK Palin she for remove

Anwons:
After Brazil, which country next?

Burundi, then Niger republic

Odedenshi1:
I sent you a PM.

ok

relicng:
Go and do Npolu road (Along East west Road).

Howmuch do you think that road will cost to fix, I mean that juncture

Odedenshi1:
Do you have pounds? What rate are you willing to exchange for? Kindly let me know, thanks.

I think todays rate is btw N590 to 595

Odedenshi1:
Good evening guys,

Please anyone in need of Naira should kindly contact me, I need some pounds. Thanks

RATE

drnoel:
Am not in the UK but the question should be, why the rush to move to the UK at this time of the pandemic. I mean, since u have an EU citizenship. Why not take ur time to plan since u don't currently have a job offer in the UK, get ur research going before the movement.
Many Nigerians are fond of telling others to move to the UK.
I also have dual citizenship (EU and Naija) and my close friends have been pestering me for ages to move to the UK. I mean, am I just going to stand up one day and go there? Anyways, everyone's situation are different and I apologize for my outburst. But I think one should carefully observe ones situation before action.
On another note, I am also actually quite interested in the answers u get. So UK people pls answer this comment. Also it may be interesting to know about NHS jobs too.

regards the NHS, i think if you already have a Nursing Qulaification or even a care qualification you are good to go, you can apply direct from the Eu via an agency or a nursing home.However I know its a hard task for speakers of other language to get academic qualifications in paper cos of language barrier,

pyha:
Hello and Good morning all!

I am a dual citizen (Nigeria and EU). I plan to move to the Uk in a matter of weeks (3 weeks top). I have never been to the Uk but I have applied for a few jobs, I don't know how they will turn out but I am hopeful. I need a lot of advice from you all. I have two degrees from Europe (A B.B.A. and an MSc (Service Innovation and Management). I want to settle in as quickly as possible.

Here are my questions:
1. Where can I find affordable housing? Since I don't have a job at the moment my budget is roughly 400 pounds a month.

2. What is the advice on jobs? I can work immediately since I am an EU citizen. Where do I apply for jobs (entry level at this point) or get a job that might not need qualifications but can allow me earn well in the short term.

3. What do I need to know or do to settle in to the Uk as efficiently as possible? E.g. phone contracts, NHS, etc.

These are some of the questions I have for now. Looking forward to reading your answers.

Thanks a lot!

P.S. I need all the assistance I can get.

Since you are EU, you do realise the Uk just pulled out of teh EU
meaning all those free movement vanished

EngrSaks:
Explain o,me sef dey wait the explanation

wen dem tro baccky enter the country nah like howlong E go take B4 papi drop?

EngrSaks:
I guess that's where those of us here with experience can give proper advice to those coming in, so they know what to expect and the best way to sort out their plans...nigerians need to mentor more nigerians and not want to just outshine each other...or show off how good their lives are...

We need to Use our experience to advice the new guys so they dont have to make the same mistakes all over again because Last last no first place for life

yes this is true but you know, not everything you could explain on line some things need one on one mentoring,, see this little statment I made people want me to xplain on line

FancyDaddy:
E36 with feel of classic. it's a 318tds. It turns head. My first BMW. I still own it.

This is Diesel right?

Elpacino481:
What could that be? Please I need expert opinion. My first time owing a BMW.

Thats me saying any saloon car with 6 plugs I dont like,thats my own opinion, I rather do a 4 plug sallon car, for SUV yeah 6 plugs!

tshoboy:
20 years is an exaggeration

you recon?it is not, I have seen this happen,have you not seen people returning back from abroad to 9ja to marry after spending 20 years abroad?

EngrSaks:
Well that's actually not a very difficult thing to achieve...anybody can succeed here if they have their priorities right and are willing to put in the time...

you are right but do not forget success is measured in different parameters between different people.just coming abroad can easily set your family life back by 20 years especially if you are female!