₦airaland Forum

ChibuzorUk:
For diaspora, there are now 3 options:
1. NHF Diaspora Mortgage you posted (nidcom.gov.ng)
2. New CBN NRNIA account (Jan 2025) - also allows investment in mortgage and FGN bonds from abroad without traveling, Access and UBA started remote opening
3. Direct C of O land

For NHF, risk is same as others mentioned - what if govt changes in 10yrs? But with NRNIA, money stays in your name with your bank, not with government, so some people prefer that. Still need a good lawyer for Ajah land sha - Gazette alone is risky for that amount.

Has anyone here tried opening NRNIA with Access Bank from UK? What documents did they ask?

Regarding the diaspora mortgage, looking at the terms, it has a 15yr term of which one has to deposit 30% of the house value first and insure the home against perils.

Repayment is to a commercial bank who would then hand over documents at the end. When the ruling govt changes, worse case is that it might be brought to an end for new entrants. The interest rates would likely change down the line which is expected.
It's just like the loan given to uni students

Just thinking... is there a potential risk with a new govt one is missing?

justwise:
https://nidcom.gov.ng/diaspora-housing-mortgage/

Interesting. Recently, I was looking into the local mortgage programme mainly targeted at federal government workers. It also did seem that they had approved houses on their website people could purchase, though quality did seem to be lacking a bit.

I reached out to a few federal government workers I know, and most of them were either largely unaware or fairly lackadaisical about it. They felt like it would just be one of those things that would be tied up in bureaucracy at the top.

The Diaspora Fund does look interesting, though, with an interest rate of 9% and maximum amount of 50 million (rather low). I wonder how financially prudent it would be. But then, with inflation running at 15% and government b0nds paying over 15%, getting a loan in naira at 9% is basically someone dashing you money. It is difficult to see if this is the start of larger financial changes in the Nigerian society, which one should absolutely take advantage of or if this might end up as another gimmick.

I know the current government has been financially expansive though. For those worried about the programme ending, I wouldn't be so concerned, provided one can secure the mortgage while this current government is in power. Even if the programme comes to an end, your business is with repaying the bank.

Fingers crossed... it's one I'm keen to follow on.

DoWhatThouWilt:
At least they gave you job to enjoy in the first place.

Tell your children to come to nigeria. Let them see how politicians dash jobs meant for qualified people to touts, agbero and prostitutes.

It doesnt matter where you were born, If you are black (of african origin) working for white people in their land ALWAYS STAY HUMBLE. Never show that you know more than them even when you do. They hate that nonsense.

I beta pass my neigbour people that like forming what they are not, If you begin to raise shoulders because of one or two things you achieved over there or you start to dey form equality, they will remind you of who you are in a way you wont like.

BE HUMBLE.

All white people are racists, but when you are working for one of them, Work for the white man with humility as if he is your father, and watch how they will protect & even fight for you when another racist attacks you.

This advise will get you no where. It's the reason why some Africans languish in the West. To succeed in many roles, one must be confident and be able to show thier worth. Confidence is not pride.


He was British and 'wasn't working for white people'. He worked at a university - yes, one with entrenched intetests.

The other day, it was someone secretly filming a lady in the bank and folks jumping in to criticize her dressing. Today, it's this.

This is how sexual predators are formed

Abapa:
All are third world countries. Imagine CHAD and CONGO. The Giant has fallen.

Stop calling yourself 'thordworld'. It's manytimes derogatory

Tower of Babel... unstable and lacks taste

Tower of babel

Unstable and lacks taste

JIREN01:
I have a question everyone
@ednut1 @megastu @geekybabe and every other person, especially people who have been in Canada for years or have moved across provinces.

A friend is considering moving from Ontario to Edmonton, Alberta. He’s into healthcare and would easily get a job on arrival; also, his wife is currently a CSR and hasn’t really built a substantial stake in her prospective finance career here. The bottom line is that he pays so much in Ontario and earns slightly less than what’s obtainable in Alberta, where he believes he can better maximize his earning and purchasing power. We compared the prices of houses (detached and townhomes) in Edmonton to Burlington, where he currently stays, and it was astonishingly and unbelievably wide (WTF is Southern Ontario so much expensive for I’m so pissed really).

Honestly, I started seeing value and sense in his decision, which I’ll say is looking incredibly appealing to me too. However, I believe Ontario has more population and job opportunities than Alberta for a reason, although that makes competition fiercer and stiffer in the former. People talk about leaving behind your social capital but I believe you can always meet new people and make new friends wherever you go to.

I’d like to glean insights from everyone. Is it worth it? Did you regret it? What culture or environmental shock should you prepare for? If you’ve personally made the move or know someone who have. What are the upsides and downsides? Also, is Edmonton a viable place to pursue a career; how abundant are the opportunities there?
Thanks

As he is in healthcare, he is fairly protected. The consideration between job opportunities in each province doesn't count much here. As you said, because he's likely going to get a job in Alberta. The issue now would be: how do those jobs compare? There could be thousands of jobs in Ontario, but if those jobs are not suitable for him, then it doesn't mean much to him. He's in an area where he should focus on his niche.

Edmonton is a large city, but obviously not Ontario, and activities and connections are not as good. Calgary is a bit better and modern, but also not Ontario or BC. It's like comparing job opportunities in Lagos and Abuja. For someone who has a regulated job with a graduated pay, the amount of jobs in Lagos does not mean that people cannot eck out a better living environment for them in other cities. Same would apply here.

For his wife, it might be more of an issue, as she is not in healthcare. In their case, it might be worth applying for jobs first, getting those, and now comparing. Yes, the cost of living in Edmonton is much less, but also be aware that insurance rates in Alberta are quite high. Overall, your money will go further, more so without the provincial sales tax.

MatrixCircle:
Easy access to Naira for investment in Nigeria ongoing. Its working well and gives a feeling of stability on both sides Nigeria/Uk , I do also have a £ savings in Uk.

All the best. Kudos.

I tried same and found that getting some stability in the UK gave me room to do more in Nigeria.

Tickles001:
Yes I did ask them. The majority of the ones that married a Nigerian are those that have reach the age of marriage before travelling. They said it's because of culture differences and the stereotype on Nigerian immigrants.
Some white citizens might date them casually, but once they bring marriage up so soon, the lady switches to defensive mode thinking they only want to use her to get citizenship because that's what most Nigerians do.

For the culture part. They said they can't switch from eating out Nigerian food to eating cabbage ground meat. Their food is mainly the complain amongst other cultural differences they find hard to adjust to.

And they keep wishing they could find a decent and willing white girl to marry that won't think it's all for papers. This is because white girls already have the unlimited power and exposure, so they are already in their dangerous mode and you can measure how bad she can be and choose the one you can pair with. But a Nigerian woman has not been handed that level of power and you can't tell how she handles it.

Those that travelled younger(immediately after uni) had enough time to settle in the new culture, and most of them chose to marry white women and other national.



See, the environment a person grew and lives in shape their character. Psychological studies provide that people from different environment tend to react differently to the same situation. Same reason religious beliefs are inculcated and are hard to change.

I'm not insulting anyone, but yes, you can have it easier with ladies from other countries. Nigerian women are among the worst in their understanding of relationship and marriage. I'm not even joking.

The divorce rate is still a reflection of culture, it doesn't signify they are not less power drunk. They divorce and remarry multiple times just like changing phones. It's just their way of life, doesn't mean they was a bad treatment that led to it and immigrants do it too.

Your sense of inferiority stinks. What's worse is that you are gleefully ignorant and also quite confident about it. You should look up the Dunning-Kruger effect, as it does really explain your behaviour.

Hope you know we also have blacks and Nigerians who grew up abroad. I wonder what generalisation you will use for those, as they are not part of the white gods you worship. Your lack of exposure is obvious for anybody who has been across the pond. When you finally encounter the white god you want to worship, let her know your views about your women and see what she thinks about you.

The ignorance in certain statements is telling. It is easy to say "Nigerian women Bleep, Nigerian men Bleep" without understanding the very basic truth that we are mirror images of each other having grown up in the same society and had similar exposure. Whatever you are accusing Nigerian women of, you can equally accuse Nigerian men of. They are the product of their fathers and mothers.

LordBiden:
Are my the only one who feels this salary increase for the army doesn't makes sense at this time?

Nigeria currently has an overbloated recurrent expenditure that needs to be reduced,the government needs to reduce the cost of running government.
What we need now is closing down duplicate parastatals and agencies, reducing salaries of political office holders and civil servants.

More increase in salaries of civil servants and political office holders gives room for more budget deficits and more debts.

Only those with sound economic background would understand the point I am raising.

In that case, should we reduce minimum wage back to 18k so as to reduce recurrent expenditure?

Most soldiers are underpaid and in the grand scheme, having a population with good buying power does wonders for a society.

Tickles001:
Because of a few samples of cases you've seen makes you believe nairalanders are ignorant. Says a lot about you and your level of claimed knowledge.
Take it from me that if we're to arrange nairalanders according to how knowledgeable, me and you may not be found in the top half. Don't be too carried with the little you know.

I don't know how many cases you've actually witnessed, but I've witnessed a lot of cases too. Most of my childhood friends are in the UK and they usually confide in me about their ordeals over there. 80% of them had it hot with the woman they married and brought over there and they was no benefits worth it for them.

I'm not even talking about the stories that fly around the media because I believe some are just content. I'm quoting the ones I was involved in and other stories they told me about other happenings.

Have you bothered asking those who travelled abroad single why many of them return to marry someone in Nigeria?

It's the usual cliché on here for blokes to insult our ladies, thinking they'll have it easier elsewhere. Indeed, marriage is not easy anywhere. Look up the divorce rates in the West and have a think. If you think there are a cohort of ladies somewhere that will treat you better than your own ladies, then keep looking.

Tickles001:
The disadvantage far outweighs the advantage, and there's a 90% chance he wouldn't get to enjoy any such advantages, before the woman turns everything upside down.

Hehe.. Nairaland and ignorance

About every successful Nigeria man I know who migrated from Nigeria is married to and lives with their Nigerian wife.

I equally know loads of Nigerian women upholding their family. Some were the main sponsors, some got sponsored when their husband lost his visa e.t.c.

Yes, some families struggle (as is the case in every nation) but fact remains most successful Nigerians in the west are married to Nigerians.

MatrixCircle:
I live in the UK 🇬🇧, I also japa in 2022. While in Nigeria I was earning N150k monthly in Lagos which can barely feed my family for a month.

I relocated. Now I do care job and has rose in the ladder. My Children later joined me and are in good schools with free education in UK 🇬🇧.

I save N2 million naira (£1080) monthly transferred to my Nigerian Bank account. I also have my own house in Uk under morgage, I have a land in Lagos and Abuja. I can boast of having N25, million in my Nigerian bank account.
I have visited many sheghen countries from UK 🇬🇧 because it's as simple as ABC to get sheghen visa as a UK 🇬🇧 residence, even if you like to visit Canada 🇨🇦 or Australia 🇦🇺 from UK 🇬🇧, na ABC.

But when I was struggling in Nigeria for many years, I was unable to save upto N500k ever while in Nigeria, struggling.

Let no one deceive you, if you have opportunity. JAPA !!!!

Congrats.
Why are you converting the chunk of your savings to naira? Using investment or pension accounts in the UK may be more beneficial longterm.

RaptorX:
UK that have been overrun by immigrants, that in most of their cities now the native Brits are now the minority. They have had enough of endless mass migration, you people should pity them now.

Did you bother to verify what you said before chorusing talking points of racists?

Within the western anglosphere, UK would have about the least migrants. Their percentage of foreign born nationals can't be compared to Canada, U.S. or Australia

Tickles001:
Take this from me. Travel alone first and allow your wife and kids remain in Nigeria. You can bring her over after seven years or so, or if possible encourage her to stay back in Nigeria while you visit.

Why would you say this?

Do you know that both of them being together and working could be a huge advantage?

LionInZion:
This is really insightful. I like the way he breaks down the issues tracing it back to the circumstances surrounding how each group arrived in the UK, the cultural backgrounds etc.

True. The cohorts that migrate and the struggles they face initially almost always have far-reaching effects in terms of attainment. Legal migration today into the UK is highly selective, and it doesn't surprise me that this would fit into attainment.

Also, if you look at the past and see the struggles and issues with racism, that really put a ceiling on what blacks could achieve for a while. This is the main reason why I'm very particular are macro changes that limit attainment.

What I find surprising is that despite attainment among kids in Caribbean communities lagging behind their West African counterparts, this tends to balance out once they get into uni. I wonder if self-selection is playing a role here again, as those who get into uni will already be academic.

Interesting video. Always love the nuance he brings to interpreting data


https://www.youtube.com/watch?v=zP0DH47rnAM?si=QLiJPWSFiNLr3B05

Lexusgs430:
So you are saying tyres got advisories, same vehicle was involved in an accident, insurance company attributing accident to bald tyres......... And voided insurance policy......

You now want to take your fight to the test centre for what exactly ? Because you have only done 20 miles since the test and you want to hold them liable .........

Just read your insurance companies small prints....... Everywhere go blur .......

Not the test centre but insurance company. There should be a way to challenge them denying an insurance claim. Afterall, what does he stand to lose?

directonpc:
After una claim by how much the cost of una insurance go up.

Can't remember the numbers fully, but I think it went up from about £700 to about £1,150. Also, bear in mind I moved to an electric vehicle, which tend out to have higher insurance costs eitherway.

smartkester:
Please what's this debate all about? Is coming to Canada not the goal again or what

Coming to Canada is not the goal per se. It might be the end of one phase, but the start of another.

Bwanasaraw:
Just in case you are not aware, many Americans voted for Trump for 2nd term because of policies like this.

Too much immigration can affect a conservative society and it's culture.

Currently in the UK there are some street you can't pass as a lady without putting on hijab or body covering.

Germany & France can no longer celebrate Christmas Market without security.

What streets in the UK?

Stop spewing the propaganda of right wing lunatics who hate you and probably do not consider you a human being?

What a pity

Flamesss:
I don't think it's a Nigerian thing to be snapping immoral or funny dressing ...they do it everywhere in the world not because they are raising there eye brows or spit at it all the time they are just fascinating to see something like this and of course they blur there face ..of course it's your body and its body business how you cover it I'm just talking of moral standards..n

Also you see I did not make comparison with arabian countries or exterm religious states I'm just talking of a balance society this does not work...you even dress like this and walk into so luxurious restaurant or boutique I bet you a staff will walk up to you to ask questions ...theres is still social and moral constructs and standard all over the world ...

Well I'm not in a position to say what she wear is wrong or right ..but theres how you dress to a public space...a man should not wear pants and he shirtless to a bank because it does not show any private part ..

I agree that for what is considered the norm in Nigeria today, she did push boundaries. There'd always be people who do that. Recording them is also improper.

Lexusgs430:
I am certain tryre advisory would be present on the test result.......

Many of us tend to ignore advisory warnings.... Motor don pass, e don pass b dat...... 🤣😂

Hehe..
Experienced same when I had a crash.

My tires were a bit low a d mentioned on my service but not there yet. When it happened, I was quite worried of them checking.

But I think the company are just trying to wriggle out. If it was an advisory, he can take it up with them especially if he had not driven thousands of miles afterwards.

I remember telling u then when I had to drag with my insurers abt not informing DVLA abt my change of address. Good enough, I had informed the insurance company. They wanted to cut £200 from my payout for something I could do freely online and something that wouldn't have had an impact on my payout. I kept refusing the payout. After some dragging, I got my full payout.

Insurance dey sweet during payout finally.

I'm surprised Vanguard is leaning into this propaganda. Is this boy British? Was he born in the UK, or does he have British citizenship? When people like Anthony Joshua, Bukayo Saka, and Madueke, etc., do well, they are called British. Nigerian media should not then be the ones to adopt socially delinquent Brits. Their character is partly the result of the UK environment.

Kemi Badenoch today for all intents and purposes is British. If she commits a crime tomorrow, we shouldn't automatically start calling her Nigerian.

Have they thought about AI-generated videos?

The government should rather install street and traffic cameras that can also pick up on licence plates of offending vehicles.

Lexusgs430:
Just heard an unfortunate insurance void incident.....

Driver was compliant on all fronts (or so he thought)....

Driving licence + Valid MOT + Road Taxed + valid insurance..... Driver had an accident, insurance company recovered his vehicle, to evaluate damage.....

After inspection, his insurance was voided.....

REASON : Two front tyres, below legal limit......

Because you have a valid MOT certificate, still physically inspect your vehicles......

Is this not something that can be contested if it was not mentioned as an issue or advisory on the last service/MOT? More so if the driver has not covered significant miles since then

Arostar2023:
You have said a lot while missing my point completely. Like I said earlier, no matter how woke or liberal you are, you can’t dress that way in Dubai talk-less Kabul. Those who championed cultural revolution in the past did so at a price, I hope she is ready to pay whatever price intolerant people around here would demand from her? Common sense saves life!

Not only Kaboul. How about Mecca, Afghanistan and Maiduguri.

If you don't understand culture, at least hold your leaders acceptable.

opezy:
where it to the office na

A bank is not an office for customers

There is nothing special about a bank. I hardly go there and when I do, I dress casually- sometimes in my running or workout gear which is very light

Arostar2023:
It’s all about culture and respect for the people around you. No matter how westernized you are, you won’t and can’t dare dress that way in public, in Dubai.

The first definition of culture states that culture is dynamic. This is not about using the West, Dubai or any place as a moral standard. It's about asking ourselves pertinent questions.


Looking at culture, 100 years ago, it was not our culture to speak English or have a large number of Christians. In fact, a lady of her age would have dressed in equal or even more revealing clothes and still be considered culturally dressed in many parts.

What has happened? Today, English is now part of our culture. Christianity is now widely practised. What does that tell you? Culture is ever-changing. Yes, while there are prevalent themes in every group, you would always have people who would be at the outskirts. It is those who drive change. I do not discount that the way she is dressed is a bit unusual. However, I do not see the morality in going around judging her. It is moreso absolutely perverted to go around taking hidden pictures of her.


Lastly, if we so want to protect our culture, we should learn from the past. We do not protect our culture by shouting on the internet. We protect our culture by building strong institutions. If our leaders keep stealing from us and taking our wealth to the West while borrowing from them, it is only a matter of time before the Chinese/Westerners come asking for their loans and impose their culture on us again when we fail to pay.

Flamesss:
Lol..quite funny ..
Well it's an uncommon way to dress like this during summer to a bank no matter how the temperature is hot ...this looks or feels like a night or sleeping cloth I stand corrected tho..I'll like to see a picture of a lady dressing like this to a bank in America. Europe or china Japan etc..

Secondly I understand we are trying to trying to do this liberal 21st century thing in this part of the world that once someone complains on the morality of something we tend to compare with America or Europe, in as much as we have different cultural values moral standards are not that bad there..worse case scenario she wears a kimono on this outfit ...

Not to be a fashion police or something..you dress like this and walk into any bank in world and tender a 30 millon cheque for transfer or withdrawal...they will check several times to be sure its you or your the right person because of the way you appear ..so whether we accept it or not the moral standard around the world is still on high level...even for a club this is not cute..

The reason why you wouldn't see pictures of people dressed like her in a European bank is simple: it is because that is not considered something to raise an eyebrow about. Also, going around taking hidden pictures of people is very pervasive. I'm still surprised Nairaland is giving such front-page views.

It has always surprised me how relative these things are. In my days in Northern Nigeria, I saw people lose sleep because they saw a lady typical wearing jean trousers. I saw men get excited because they saw a lady's legs. The Hisba police would frown at and remove women sitting in front of commercial buses. All these things were considered immoral to them. Same way some people believe that any woman who wears a trouser is going to hell


Like I said, I see absolutely nothing wrong with her dressing. There is absolutely no day I don't see multiple people dressed in such a manner going about their usual daily activities, and nobody cares about it. She is not exposing anything private.

Lastly, this is not about using Europe as a standard to attain (which I avoid). We need to learn from the past. We would always have our own culture, which we should preserve. Going around taking hidden pictures of people is absolutely improper, and being unusually judgmental is something I frown at.