₦airaland Forum

MichaelUde:
Rent money is dead money for those wey get money for deposit and the residence status to buy house.
Given current prices and all the wahala, that excludes many people, even those wey be native Brits.

For many people wey just move here carrying their 3 pikins at the age of 45, buying a house fit no work for them yet because before you stabilise it might take a while and saving a deposit of 25% no be easy thing depending on how much you earn and where you dey plan buy house.

Quite a lot of these landlords bought these houses as ex-council houses in the 80s. Interest rates were indeed very high then, up to 15%, but the houses themselves were very cheap, such that almost everyone could afford to buy a house on one salary, with the man working and the woman raising the children, like it used to be in Naija. Now these days, even with most families having two incomes, house prices are so high that to see deposit na war.

Like everything else in life, everybody path go dey different. The amount of squeezing oneself and tightening belt beyond all the holes wey malam fit put inside the leather is a whole lot unless you dey somewhere were prices are low-ish, but those places are usually not where the jobs are. If you wan buy house for Jigawa, price cheap, but work no dey there. If you wan buy house for Lagos, price no be here, but na there work dey and you fit grow your career.

Buying houses outside areas commutable to such places also ties you down. If you buy house for Jigawa, live there for 1 years, come see better work for Abuja, how you wan go take am? You can only rent out a house on a residential mortgage for a limited period.

Landlords too na human beings, no be all of them dey exploit. Some are paying interest only mortgages (which is why that money might be low), some too worked their arses off to save deposits and buy houses, so all na their own profit too. Some are lousy, some are not

And looking at the money spent on housing as a loss no be the best way to look at things. Person get to spend money on services, so you go spend money on transport, that one na money for Lothian Buses or ScotRail pocket, and e don go. You spend money on food, you go shit am out, and e don go too. As a new immigrant without a 25% deposit or Tier 2 visa and a willing lender, you go spend money on housing and that one too na service and that one too go go as well. It is what it is. Overthinking all that one no worth am.

If you get ability to save for a deposit and can afford a house, with all the stress testing of income and everything, go for it. If you cant, your rent money is definitely not dead money, it is paying for your shelter, which is one of the neccessities of life, like food, transport, healthcare, all intangible services wey no dey leave you with a physical asset after delivery.

gergemam:
Hmm!!!

No be all Landlords dey rip off though... Nah £450 me dey pay oooo

gergemam:
Lexusgs430

Abeg Tier 4 fit buy house..

Deposit dey... If the house nah £150,000.00 - £200,000.00

Lexusgs430:
Nothing in life is easy ....... Without sufficient pain, no substantial gain might be achieved.......

I am not one to give up or make excuses....... Although I agree, buying a property might not be for all .......

But while one person at retirement age, is mortgage free, the other is still paying rent .........😁😜

gergemam:
Lexusgs430

Abeg Tier 4 fit buy house..

Deposit dey... If the house nah £150,000.00 - £200,000.00

slimanyd:
Morning Comrades. I attempt to book articles and airframe told me I would need a transit visa. Abeg. Which airline is best to Birmingham for a nursing mother without much delay and doesn't require a transit visa to get to UK.

And thirdly, i saw some airlines putting dollar amount as there fare , I hope I can make payment with transfer or via my normal naija visa card and which is the easiest way in making the payments Thanks.

MichaelUde:
Again, e fit be say how life turn out.
Remember be say you land this country 25 years ago, some landed 5 weeks ago.

Lexusgs430:
Point of correction, do you mind ....... 😂😁 28 years ago at a stretch + 3 years = 31 years in total.......🤣😁😜

lightnlife:
It'll work for some months, then shut you out and redirect you to re-register, this time with Pounds.

MichaelUde:
As a new immigrant without a 25% deposit or Tier 2 visa and a willing lender, you go spend money on housing and that one too na service and that one too go go as well. It is what it is. Overthinking all that one no worth am.

hustla:
Been using someone's Netflix for months now with 0 issues unless Im missing something

AgentXxx:
Mine has been working for almost one year and my sister who stays in an Asia country also share this account too. Maybe Netflix get personal beef with you ni

MichaelUde:
I stand corrected.

So anybody wey land here last year already encumbered with pikins, with or without a career, possibly on a student visa, without permanent residence rights and [averagely, more than] halfway through their lifespan unlike you wey land as a fresh-faced young man with a full head of hair suppose measure themselves with a different yardstick to the one wey you dey use measure o.

Bourne007:
Some lenders offer 5% deposit if you wanna explore that option.

MichaelUde:
Rent money is dead money for those wey get money for deposit and the residence status to buy house.
Given current prices and all the wahala, that excludes many people, even those wey be native Brits.

For many people wey just move here carrying their 3 pikins at the age of 45, buying a house fit no work for them yet because before you stabilise it might take a while and saving a deposit of 25% no be easy thing depending on how much you earn and where you dey plan buy house.

Quite a lot of these landlords bought these houses as ex-council houses in the 80s. Interest rates were indeed very high then, up to 15%, but the houses themselves were very cheap, such that almost everyone could afford to buy a house on one salary, with the man working and the woman raising the children, like it used to be in Naija. Now these days, even with most families having two incomes, house prices are so high that to see deposit na war.

Like everything else in life, everybody path go dey different. The amount of squeezing oneself and tightening belt beyond all the holes wey malam fit put inside the leather is a whole lot unless you dey somewhere were prices are low-ish, but those places are usually not where the jobs are. If you wan buy house for Jigawa, price cheap, but work no dey there. If you wan buy house for Lagos, price no be here, but na there work dey and you fit grow your career.

Buying houses outside areas commutable to such places also ties you down. If you buy house for Jigawa, live there for 1 years, come see better work for Abuja, how you wan go take am? You can only rent out a house on a residential mortgage for a limited period.

Demonising landlords is not helpful. Landlords too na human beings, no be all of them dey exploit. Some are paying interest only mortgages (which is why that money might be low), some too worked their arses off to save deposits and buy houses, so all na their own profit too. I own property in Nigeria. I buy the land for cash after saving from my pay, and took a loan from my bank to add to the money to build the house, which I built over time as salary worker wey I be. With all the yawa wey dey Naija, some of my tenants asked for consideration, come dey pay me rent in instalments sotay I fit see rent in 6 or 7 pieces. I evicted no one, still dey service my loan dey go. Some landlords are lousy, some are not.

And looking at the money spent on housing as a loss no be the best way to look at things. Person get to spend money on services, so you go spend money on transport, that one na money for Lothian Buses or ScotRail pocket, and e don go. You spend money on food, you go shit am out, and e don go too. As a new immigrant without a 25% deposit or Tier 2 visa and a willing lender, you go spend money on housing and that one too na service and that one too go go as well. It is what it is. Overthinking all that one no worth am.

If you get ability to save for a deposit and can afford a house, with all the stress testing of income and everything, go for it. If you cant, your rent money is definitely not dead money, it is paying for your shelter, which is one of the neccessities of life, like food, transport, healthcare, all intangible services wey no dey leave you with a physical asset after delivery.

Lexusgs430:
If i tell you..... I would have to shoot you .......😜😁

hustla:


Ill look for the apk

lightnlife:
Ehnehn! Netflix don do me strong thing.

The thing rerouted after 8 months of UK use.

It just felt stressful asking someone to open and manage a new account from Naija. Might still go that route sha.

Thanks guys.

Lexusgs430:
The beauty of andriod........🤣

hustla:


I dey find deal to swap P6a o. Google store no gree accept am. Be like them play me wayo

lightnlife:
It'll work for some months, then shut you out and redirect you to re-register, this time with Pounds.

Lexusgs430:
Just enter GP7 or GP7PRO........

Lexusgs430:
I gree ...... But when I checkout like Andrew....... Una dey naija dey hope say naija go beta, hope beyond hope .........😂

I take my young fresh face, dey scatter forest...... Now I don capture my lion 🦁.......😜😂🤣

Una MUST capture una lion's too ...... With a little bit of work, preparation, sacrifice and calculation........

Not a time for excuses ........😜😂

lightnlife:
It'll work for some months, then shut you out and redirect you to re-register, this time with Pounds.

EJIOGBENIMI:
I need some clarifications pls.
I’m using “pay as you go” card for gas, for the heating system and the kitchen in my apartment. I recharge about £250 monthly.
We are trying to cut costs, so we just bought 2 portable heaters, to heat up the rooms only, to supplement the gas. Our electricity bill is estimated bill, fixed at £105 per month.
We tend to use the portable heaters a lot.
I’m just wondering if we will be charged higher on our electricity. I’m getting conflicting responses from guys here. Some said that I’ll pay the excess at the end of the year while some said that I won’t.
2) I’ve been trying to buy car. I live in a suburb in the far northwest England, so I couldn’t explore much on fb marketplace and private sellers nearby.
Is it safe to buy on auto trader? How reliable are diesel cars? They seem to be cheaper.

mex551:
Random thought, is it possible to get someone in Nigeria to open a Netflix account for me and send the password to me here as it seems paying from Naija is cheaper. Will the IP address betray me ?

Lexusgs430:
LL mortgage, is probably £120 or property is mortgage free ......

No fight your LL o .......😁😜

hustla:
no swap deals from the google store from 6a to 7

MichaelUde:
Leg don tire some people to dey run and lions plenty.

Capturing the lion of moving out of Naija to a place where you fit sleep with 2 eyes closed without seeing Buhari or Tinubu in your dreams is a big enough lion for some people in truth.

There may be the lion of rebuilding/starting career (for instance me don change jobs 3 times in 2 years and am interviewing for the 4th change soon, to hopefully get me back to where I bin dey for Naija career-wise), the Home Office visa fees lion whose size dey vary,e fit be lioncub for those wey dey health and care visa and full size lion for those wey no dey Health and care visa (to get UK ILR for a family of 5 is 32k, a house deposit already, citizenship makes it about 40k), lion of building up savings spent to capture the lion of relocating in the first place, before you get to the lion of house ownership.

All na lion.

Maureen4sure:
My dear fellow Nairalander,
out of academic opportunities for one of your modules, and this therefore means you may not graduate with your full award and instead, upon successful completion of your remaining modules, you would be awarded a lower-level qualification than that which you were originally expected to achieve, You should note that in this event, this would mean that you are likely to be ineligible to apply for the Graduate Route Visa if you wished to do so. ''

I also received an email this morning from my module leader saying that I will be awarded a postgraduate diploma instead of a master's degree.

I have cried and cried my eyes out, I know I have disappointed my husband, who works tirelessly every day and night. He works in a warehouse and also as a security guard. For me to be able to get to this stage of my life,he has been there for me every day.

He has been down with this news for the last few days.

I will be submitting my dissertation by April, so I will be officially finished with school.

Please, where do I go from here?

I am a caregiver, and I have been for a year now. Getting COS from most care homes as a student has not been easy.

Hopefully, after submitting my dissertation, I can get a care home that can sponsor me.

It seems that's the only way out for me and my family now.

Please, house, I will need any other suggestions.

Thank you for your contributions.

Lexusgs430:
Not as tough as you might think ........ If you regularly send money to Nigeria, calculate that figure......

Draw out a savings plan and stick to it......

Join osusu.........

Get another paying gig ....... Work extra as much as you can (for a set duration)..... Might mean less quality time together, but the end justifies the means .......

NO PAIN ..... NO GAIN ....