₦airaland Forum

luluosas:
Yes, they offer regular loan just like other banks too, but their specta approach is to eliminate the issue of collateral which is a MUST on a regular loan. Just visit any of their branches to find out more information.
As for the specta loan, you don't need to have an existing account with sterling bank before you can apply, as a current account will be opened for you in the process. The only thing they use to determine your eligibility is your credit score report by uploading your 6 months account statement from your existing bank account with other banks in case you are not their customer at the time.

wow

luluosas:
Yes. Walk in to any sterling bank and tell them to direct you to specta people. You don't need any collateral, just 2 references from current account holders. The interest is extremely low compared to the loan shark apps around us today.

oh thanks fir the info. Do dey also offer loan with collateral and is it easy to get?

luluosas:
Can you imagine the rubbish?
Any, just go to Sterling Bank and collect Specta Loan with a very very low interest. For 1 million loans, you will pay 96250 for 12 months. Can you beat this?

sterling Bank give loan?

internationalman:
But why the huge interest for just 2 weeks. Even Bank interest for 2 years on 30k is not up to 4k

Nigerian companies are out to add more burdens to our lives instead of softening it.

Just jejely look for 4k and add to it and transfer to them.

the first picture 16k to pay 25k in 7 days.

The second pics 500k to pay 1million in a year. Payment of 81,250 monthly.

Very outrageous

Righteousness2:
Who will you obey? GOD or society?

are you indirectly say bishop Oyedepo and other pastors around the world who allows thousand members of their church wear what they desire, are you saying they are misleading their members?

Your partial nature won't make you call the names of those pastors you think are misleading people out because they also use the tag Christian. Assuming they are Muslim you would have used them as examples in your daily life preaching and preaching on the part of hell God would cast them.

Massiveglory:
The obidatti rallies that is vibrating round the nation and beyond, sumersaulted the likes of reno, urchins and emilokan into a state of comatose. They don't know what else to do or say.

70% of myopic people in that rally will definitely be at home pressing their fone come election day. More of like end sarz rally.

Broveens42:
You are very correct. I have never rated kovacic right from his days at maldrid. Not even because of how weak he is creatively, he doesn't even know when to release a ball and when not to. Plays like high school guys, with zero purpose , gets dispossessed often.

So you can't really say jorginho should be benched until a better DMF is available or fit to play

Put that jorginho in a mancity side with de bruyne in front, you will know why he was omce awarded UEFA best player

my thoughts exactly.

jumper524:
kovacic is far from his best recently. But dude ain't capable of benching kovacic yet.

kovacic best is not good enough. Fine he can control the ball and pass fluenty, but he need to improve is offensive game. His style of play is more or less no different from a training match.

Pfixerman:
…
You don’t watch Chelsea matches or you don’t understand football at all,kovacic is very useful to Chelsea than Jorginho who is a specialist in back pass

you see nothing wrong in an offensive midfielder having only 11 assist and 3 goals in over 130 appearance?

The only thing you have problem with is Jorginho a defensive minded player to be creating assist.

Seems u don't know about football. Jorginho's work is too control the midfield from the back pairing with the defenders, while kovacic role is usually controlling the midfielder pairing with the attackers.

I wonder where Manchester City will be if Gundogan also have the poor stats kovacic have in Chelsea

jumper524:
young lad is good no doubt and determined but he's yet to get his strive going, hence jorhinho starts ahead. Apart from controlling game tempo and experience, he beats jorhinho in other aspects. Better through passer, tackler, energy and finishing.

he should bench kovacic not Jorginho.

Who else notice kovacic isn't that useful in Chelsea midfield. All he knows how ti do best is romancing the ball and passing to nearest man with zero contribution going forward. At least gorginho is playing as a defensive midfielder

Edoblakky:
Mason Mount is not upping his game. Seems dude went off with Tuchel

you still remember the last goal he scored under Tuchel?

Champions league with AC Milan is on this coming week, and it is a must win game. That's why players like James and Chelsea team entirely played with a low tempo today

Morover the re coming back from international break where they played 3matches in a week

JackDaAlienz:
A snake will always be a snake
If you like feed it everyday and buy gifts for the snake for 40 years non stop
The snake will still bite you because
Blood is thicker than water
Genetics is stronger than everything..

If you adopt a child born by a Mad woman and dumped in orphanage.
If you like raise them in U.K or U.S.A
Take them to Harvard or Cambridge
He still has the genes of his mad mother
Madness is hereditary and transferred from mother to child
And when the madness start affect him
There is nothing u can do

shut up and stop saying wat u don't know

duality:
PO is not an igbo president. He will be a Nigerian president. He may not be the best igbos can offer but he is the best among those running for president now.

if I were to ask why Obi is the best candidate, would you give me a courtesy of an answer?

SenatePresdo:
APC is a party of crooks with sinister agenda that would not be of the benefit of the masses like it have always never been.

Tinubu is no where to he found, Shettima is now the presidential Candidate.

Is this how Tinubu intends to lead this country?

We all know he can never win, judging from the political atmosphere of the country.

Peter Obi is the Next president of Nigeria.

I'm Obident, well meaning and reasonable Nigerians are also OBIdient.

if I were to ask why you are supporting Obi, would you give me a courtesy of an answer?

Wisfem:
To Read and Understand Most of you could not?? whilst you quickly rush to comment!! What he Rightly said "This is a developing country, the ideologies are not different" What that simply means is that Every one here including you the ignoramus knows that the country needs some developmental drives, Security and rest of others, but which of his opposition can be trusted!! APC'sTinubu that has been in power since 7yeras ago or Pdp's Atiku that ruled with Obasanjor? He said you people should hold us accountable now, He is involving all the youths, that's why he said we have to take back our country, so the country belongs to we all especially the youths that has suffered gross exclusion...

"PDP Atiku that ruled under obasanjo" Since obi and you knew PDP was also a failure, why did he decamp to PDP and run as the VP candidate under PDP Atiku?

OMOJOHN001:
Nice one from Assu.

Federal Government been forming they are broke, But one person can singlehandedly embezzle billion and millions of naira, without any repercussions.
They claim during Election campaign in 2015 and 2019 that they will do everything, Let them face this challenges and Over come it na. ...

thise billons they stole are also budgeted for other popose like the way they budget billons for education every year. The billons dey stole might be money that was budgeted for electricity, roads and other infrastructure. Because they stole those money, that is why Nigeria is a 4th world country that we are today. So the stealing has repercussions.

Corporate2020:
My brother, without family, what are we? Less than animals, because even animals recognize and assist their siblings

you still do not understand the op

omonla10:
Ure so right jare.. Attack them like a thief in d night.

I'm a yoruba man living in Lagos. 90% of my friends and family are voting Peter obi.. Moreover, Apc supporters that I know are either illiterates or tribal bigots or people benefiting directly from govt officials..

My wish is not to be the richest in my area.. I want everybody to have access to education, jobs, power, good roads even if ure poor... Also, I don't need to know anybody to get things done.. My friend put a call to a USA senator yesterday to demand an explanation.. Just like that o

I earn more than my sister, who is a German citizen and a nurse. Yet she has access to everything she needs.

Some people already calling me a bastard, but it really saddens that anybody will want this trend to go on.. Something must change..

and off all the other candidates contesting for president, u think Peter Obi who was once a governor, who was once under PDP, some one who is a friend/subordinate to the ruling class sabotaging Nigeria,
someone who have eat and dine with virtually all top notch politicians and someone jumping from one party to another. If you think this kind of person is the right one to liberate Nigeria. Then I'm sorry too say no matter if you are in Germany doing well for urself or in any part of the world, your thinking faculty is very low....

In Nigeria politics, I have learned not to judge a candidate based on the performance of a politician who ruled under his/her party. Because Obasanjo did woefully with pdp does not translate to Yaradua doing woefully. Perhaps Yaradua was one of the best democratic president if not the best Nigeria has ever had. And he was an Umbrella.

Likewise Buhari doing woefully under APC does not translate to Tinubu doing woefully. They are different individual.

If you truly want wats best for Nigeria, you would have gone for a nobody candidate under the various less known political parties....

I know nothing I reason with you here will make you change your mind. I'm not here to convince you from the choice you have taken but rather to show you that it's not the best choice like you thought it was.

Atiku, Obi and BAT are all birds of same feathers. You can only use what they did at their previous elected position to judge who is the lesser evil.

Corporate2020:
The person that gave birth to this lady did the world a great disservice. You will need them badly one day, and God will make sure that you don't get access to them.

it's ur type that haven't giving any of ur extended family 1kobo before

donhils:
Some of the comments here show how it's difficult to survive these days. Different people saying they are old, this and that. I think everybody needs that little push, that little help, if you can give it, don't hesitate. Where are the works some of you are proposing they should go and work? Think about environmental factors first. And hey lady, if you don't want to help your brothers then don't help them. But don't come here to look for validation, what it shows is that your conscience is not ok with what you're doing.

so to you, you already think the girl is Elon musk that don't need the help you claimed everybody need. She said she have been helping them with the little she have and it is becoming unbearable for her. Abi u want here to take the full responsibility of the three adult maybe by don you would know she is helping them.

I wonder why Nigerians take little gesture for granted. Imagining you saying "if you don't want to help your brothers " as if she hasn't being helping.

I'm very sure the total help the op have help those guys surpasses the help u have help ur extended family members.

Emilokun

shortIGBOman:
This can only happen in the North. You see how things work in the North. The Court you approached is in Kano and the access Bank that helped you recover your money is in Kano too.

This is almost impossible, if it were in the South and if it were in the EAST, just forget your money. Cause you can never recover your money from there.

God bless the North for their uprightness.

stop all this bad belle. you are just ignorant. I stayed in the south and I have recovered money from countless of scammer by just making complaints to my bank customer care

Meteoritey:
Due to work, my husband and I live in states, and my husband lives in Canada. 3 months ago we had some serious skirmishes during our phone conversation and in the heat of the argument, I told him that he does not appreciate the fact that I am raising the kids and doing everything alone.

To my disappointment, he told me that he is overworked more than me. This really angered me. This got me angry and I hung up. Although He tried to reach me for 4 days, and also sent me some messages, I cut him off without replying, about 9 weeks later, I sent him just a message on an unrelated issue, he ignored my message, after another month, I sent him another message, he also ignored. It has been 3 months now we have not spoken to each other.

Recently my brother had a baby, and he only called once to congratulate them. Moreover my younger sister got admission to a university to study the same course that my husband studied, so naturally, my sister contacted him. My sister said he advised her on what to do and what she should expect. This was about 2 months ago. I personally did not inform him about my sister’s admission myself.

After about one month, my sister also called him for more information, but he has not been picking my sister’s call.

My sisters fiancee also called him to inform him about their upcoming marriage (my same sister that got the admission) he only spoke with my sister and her fiancee once, he stopped further communication with them on both issues of admission and marriage, and that he only spoke with them the first time about the admission and the marriage out of the respect he has for them.

He gave my sister the excuse that it was not proper, for him to speak with her fiancee' because he said that I have not told him anything about the marriage, therefore he can not relate further with my sister as per the marriage. And that it was out of respect that he even called my sister initially to advice her.

What are you thoughts and opinion please.

do you want your husband to be the wedding planner for your sister's wedding?

You want your husband to be teaching your sister lesson because they studied same course?

Abi you want him to sponsor your sister wedding and sponsor her through school?

OneCandleAway:
And at the end Tinubu ended up claiming he made Buhari president.

then why did you hate the man for the reason you thought "he claimed"

FalseProphet1:
Nigeria with a population of over 200m people is celebrating rail transportation as an achievement in 2022. When countries like Scotland and other European countries with less resources and less than 6m population have far more advanced trains and don't even make a sound.

With our population and resources, Nigeria should be rubbing shoulders with USA, Russia, China and Co. But no, we've choose to remain a 3rd world country that's why rail transportation will always call for jubilations. And give us energy to defend those looting us dry.

Africa is truly a shit hole...

This I have seen.

not Nigeria. (Lagos govt)

Ogas in the ous, pls help me reveiw this new quotation for carcass roofing I got. Is the workmanship okay at 240k

Gallybounce:
Hello sir , I’m sorry for late response, I’ve been offline and so busy. I think I spent about 500k not really 460k .
It’s precast parapet
1. 35 bags of cement for the pre cast and after cast ( the bricklayer also cast it round when they mounted it ). @4100 x 35bags ( plus transportation 143500) although I bought 48 cement i foolishly followed his quotation.

2. I bought cutter rod 30 lengths ..@ 1000 naira each ( dem use only 20) and I used 5k for transportation. so let’s put it for 25k.

3. I spent 20k for 2by2 wood , nails and transportation.

4. I spent 30k in total for scaffolding ( including workmanship , binding wire and facial board ). The scaffolding formed L. So when they finished with the right side, they moved to the other side.

5. Workmanship is 186k ( 3k per meters. Total na 62meters)

6. The bricklayer that did the final casting collected 15k

7.I bought a trip of sharp sand (they call it double ) 40k
They no use am finish .

8. I bought gravel for the final casting 35k. Dem use am finish

Total 494k . ( these are what I could remember)

I later used the extra 13 bags of cements ( remember I bought 48 bags initially) for flooring( I bought additional 10 bags) total 23bag for flooring.



And he gave me 35 bags in quotation o.
My advice is that
1. Don’t always follow their quotations
2. Be there to supervise yourself if you’re not using an engineer .
3. If the quotation is 500k , make sure u have 600k budget incase…
Sorry for plenty plenty talk sir may God almighty bless everyone of us. Amen.

Good morning sir. This is the quotation giving to me for the parapet

Quotation for parapet work:
*Total meters of the building =60mtrs(3000 per metre) Total price =180,000

*cement 30 bags= 4,300 per bag

*quarter rode 16 length= 1000 per length

*12 packets of tonaldo

*binding wire half rool 9,000

* Scalfold.

I don't know iron bender will still work. The iron bender man is saying 130k

owobokiri:
Rightly so! Because Lagos used to be the capital of the country and still is the financial capital of the country!
Built by the federal government with Niger Delta oil money, Lagos will continue to be everybodys property as long as Nigeria is one!
If you don't like that, get yourself a brand new republic!!

go to Abuja, find one hausa Muslim dominated area, carry mic and speak out loud sayaing Abuja is everybody's property. If they no go burn you alive

AdamuKD:

God please do it for us because we know that you are a wonderful worker and this time, don't spare them. One name starts with B the other one name starts with T
We thank you in advance. We take God beg you, God
Oshe !!

I didn't mention names oh. So if you quote me, thunder...... complete it for yourself

God pls wen you will ans this soul prayer, pls let the crash happen on top of his building when he His sleeping with all his family inside.

[quote author= post=116934963]We are Ready, Our 4 Million Man March Must Hold.
We Will Defeat the Creator of Lagos in His Own Compound ��[/quote]it won't be any different fron the people that came out during endsarz. People with no voters card

Kagd10:
It was Ngige and UNN lecturer who first said Peter Obi was D pass graduate but now I can see they were trying to be considerate because after Peter Obi could only present a forged certificate, I can see that he didn't even graduate from the university but dropped out.

the format they use in 1994 might not be the same they use in ur 2015

.