₦airaland Forum

bdon123:
Collected house on mortgage n car loan...bt u here making noise like u paid £140k straight for d house.Bastard deceiving gullible people.house wey u still get lik 20 years to complete payment

Tellmeastory:
THE UK ANNUAL BUDGET IS 2 TRILLION DOLLARS.

NIGERIA’S ANNUAL BUDGET IS 30 BILLION DOLLARS.

STOP COMPARING APPLES AND ORANGES.

Tellmeastory:
THE UK ANNUAL BUDGET IS 2 TRILLION DOLLARS.

NIGERIA’S ANNUAL BUDGET IS 30 BILLION DOLLARS.

STOP COMPARING APPLES AND ORANGES.

Entanglement:
to dey clean old people yansh na highly skilled job in the health and social sector?

bdon123:
D problem wit people like u is u filled wit hate so u might never even make it.I hav lived in d uk for over 5years n had my higher education there.I hav also been to over 20 countries world wide becos of my job.I hav never stated d uk i bad or anything as such bt only telling e xcept that guy is some special genius that government or some company decides to pay him in 100k pounds he can not buy a house in UK cash.Its a mortgage simple.so dont say u bought a house wen u still on mortgage.u said two of us no be mate becos hes abroad....d kinda low IQ individuals on nairaland is really alarming

DaddyCoool:
😆So what is your credit score? And what do you think "second mortgage" means? Google it.
In short I KNOW you don’t know what the heck you're talking about

Kenosky1:
I don't think the information is correct, 30 BILLION DOLLARS is about N50 trillion. Our budget is about N10 trillion

Mindlog:
Happy for him.

So many opportunities in this UK, if you are highly skilled in the health and social care sector.

flokii:
While I agree with some of your points, I still feel the truth should be revealed.

He took a mortgage that will take a large fraction of his monthly/annual income spread over 20 - 30 years depending on how quick he is able to fully repay his debt.
It's not as if you'll just wake up one morning, pack all your savings to buy car and build house, where will you even get such money from in 3 years?.
He should enjoy his "success" and hope not to lose his job for whatsoever reason.

LandMann:
You made some false conclusions which are wrong.

You're judging all Nigerians who desire to japa from your perspective of being successful as a software developer who can earn big bucks and get a comfortable life.

Not all Nigerians can get to such level of success.

A society is measured by how much opportunity it gives to everyone irrespective of tribe, religion, education and gender

Nigeria fails woefully and it's a less desirable country because of the lack of opportunity to EVERYONE irrespective of the factors I mentioned earlier.

A bricklayer in Nigeria can work all his life building homes for people but will still die poor or retire poor by the time they're are 50-60.... If you see a bricklayer in Nigeria who was able to have his own house, it's most likely because he combined other jobs related to his profession, became a so-called "engineer" and short-changed a lot of clients, cutting corners, overcharging and stealing building materials.

What about a cleaner in Nigeria? A nanny in Nigeria? A teacher in Nigeria?

These people can do honest hardwork all their life in Nigeria but will end up poor because of how bad Nigeria is.

A nanny in Nigeria can work for 12-16 hours a day, 30 days a month, and still earn less than N50k a month with zero savings and huge debt to cover some expenses. However, a nanny in UK, doing same job, doing multiple shifts, nights or day, but still doing 12-16 hours a day and 24 days a month will earn over 4 to 5 million naira monthly equivalent, cover their expenses and have enough savings to retire early and live a comfortable life or fund any project they dream of.

What about the teachers who pass on the knowledge required to build and develop the society from the primary to secondary to tertiary level, all hardworking and honest people, how much are they paid for their effort in Nigeria compared to the cost of living compared to teachers in UK, Canada and USA?

No one is spared from the menace bad leadership poses to all Nigerians. Not even doctors, university lecturers and software developers like you... I'm sure you have heard of ASUU and Doctors strike year in year out across Nigeria due to simple poor welfare package and treatment from the government.

Even you, I'm sure everyday you pray that you don't get stopped and shot by corrupt Nigerian policemen who want to extort you thinking you are a yahoo boy because in their mind, only yahooboys and criminals can have enough money to afford certain cars and look good in Nigeria.

In summary, Nigeria does not value its labour force. Nigeria encourages and breeds corruption. UK and Canada have over the last 10 years continuously poached on the best brains in Nigeria... They make it easy for teachers, doctors, engineers and skilled artisans to migrate to their country to come work and get rewarded for their effort while Nigeria's useless and corrupt government looks on because they're too busy looting the country's resources and looking for ways to hide it.

When all of the best brains leave Nigeria, who'll be left to develop Nigeria?

Even you, if you have the opportunity to work for a Nigerian company vs USA, UK or Canada country as a software developer, you'll easily prefer to work for USA UK and Canada company because they'll pay you better and with that you can afford to live a good life.

Unfortunately, it's not all jobs and skills that can be done or offered remotely like yours. This is why most Nigerians who don't have such skills that cannot be offered remotely migrate to countries where they can offer their services and get paid a true and fair value for their effort, irrespective of their tribe, religion, gender, age and educational level.

Every year in Nigeria some useless people will organise big brother naija show to promote immoral culture and reward the winner with millions for doing nothing reasonable aside promoting porn and immorality... meanwhile first class graduates are given few textbooks and some change, if any, for studying and getting good grades. Instead of government to step in and assimilate these people into the civil service and train and pay them well so they can contribute to Nigeria's growth, they live them to their fate.

Foreign countries offer full scholarship to these graduates and they run away from Nigeria to go better their life. Who loses in the end?

OniyideAmplify:
I'm a professional Elevator technician and also a professional forklift operator.

Mind you, my house painting skill is 95% good.

How fast do you think I can settle down in the UK, I'm still single though.

360who:
Car loan and a mortgage. If only they'd stop online bragging.

Donaldoni:
Owamudia agbaya 🤣🤣🤣🤣

Blazetrailer:
.daft....credit score is a private info.

The second mortgage i meant is people who got their second houses here using mortgage. It can mean anything else to to you i dont care.

Why am I surpised though. For someone who thinks debt is evil, your IQ picks itself out as a low one. Lol!!

bdon123:
No u cant bt it doesn't change d fact that d house is not entirely ur own as u cant sell it.Also it can be collected if u begin to miss repayment deadlines.so also d car.A two bedroom flat cost at least £140,000 in uk.Average salary of citizens is £30,000 per year to live comfortably

DaddyCoool:
Instead of humbly learning you're busy spouting nonsense. Credit score is private, is this not an anonymous forum? Find out what a HELOC means. It will help you understand what is meant by second mortgage (and no, it doesn't mean whatever you want it to mean!)
Where did I say credit is evil? There is good or bad credit, depending on what it is for. If you use the loan for "fast car" and "luxury" (as you said) it is bad. Different when you use it for an investment that'll make you money

LandMann:
Even if it's mortgage and loan it's not a problem cos interest is low at around 6-9% and he can easily repay it with a stable job

Compare that to Nigeria where interest rate is over 33% and you can't even get a reasonable loan cos you're most likely in a shitty job or "contract" job that a stupid yoruba president brought to Nigeria. What about mortgage in Nigeria? No go area for any working class unless you're stealing from your company, committing fraud or crime to augment your shitty salary.

If someone tells you Nigeria is a completely useless country because of its leaders, don't argue it, even if you're in a privileged position.

It's when majority of citizens in a country are living well and happy that's when you have a functioning society

Oblongata:
Repayment is usually 55%-60% over 25-30 years. It’s not that easy but just a bit better than paying landlords… don’t misinform

LandMann:
Is 55-60% over 25-30 years not better than paying 33% annually in Nigeria?

I don't understand your headache with my post

Tellmeastory:
THE UK ANNUAL BUDGET IS 2 TRILLION DOLLARS.

NIGERIA’S ANNUAL BUDGET IS 30 BILLION DOLLARS.

STOP COMPARING APPLES AND ORANGES.

Blazetrailer:
Lol Daddyfool!!

What gibberish is typing?

Asking for my credit score online. Do you have a brain at all? How is that a point of discussion?

In fact, you are the dumbest person on this forum right now.

Mindlog:
Because that is the capacity your brain can process.

bdon123:
Collected house on mortgage n car loan...bt u here making noise like u paid £140k straight for d house.Bastard deceiving gullible people.house wey u still get lik 20 years to complete payment

Tellmeastory:
THE UK ANNUAL BUDGET IS 2 TRILLION DOLLARS.

NIGERIA’S ANNUAL BUDGET IS 30 BILLION DOLLARS.

STOP COMPARING APPLES AND ORANGES.

Oblongata:
You said interest is 6-9%.

That was wrong.

Justiceleague1:
pigsamaka