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Nairaland Forum / Nairaland / General / Jobs/Vacancies / I Need A Loan.i Will Offer My Certificates As Collaterals (5023 Views)
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I Need A Loan.i Will Offer My Certificates As Collaterals by OMOTOWO(m): 5:41am On Oct 13, 2017 |
Good morning.I need a loan of N1m.I can afford to drop my NYSC and HND certificates as collaterals.I will definitely pay back with interest.I need this loan as a capital to start up a business for the benefit of my nuclear family.Someone should please help .Someone should quote me please |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by Nobody: 7:39am On Oct 13, 2017 |
Why do you think your NYSC & HND certificate is worth up to a million naira? If you default on the loan, of what use is your certificates to me? 5 Likes |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by chrisbaxtian(m): 7:43am On Oct 13, 2017 |
LastMumu: he won't be able to move forward in his career without them! me sef dey find loan, but na just N50k pere to be paid before Christmas 5 Likes |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by Nobody: 7:53am On Oct 13, 2017 |
chrisbaxtian: You do not understand my question. Collateral security is meant to secure a loan for the loan giver should the loan receiver default on the agreed payment. If he agrees to pay the money back say in the next two years but after 3 years he hasn't paid a dime, how do I get my money back? 15 Likes |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by chrisbaxtian(m): 8:03am On Oct 13, 2017 |
LastMumu: through his guarantors 5 Likes |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by Nobody: 8:23am On Oct 13, 2017 |
OMOTOWO:I wish I had. I would definitely have given you 3 Likes |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by SaintChukz(m): 8:32am On Oct 13, 2017 |
OMOTOWO: If you have a solid business plan/proposal. You can approach BOI or any of the underlisted institutions on the link i dropped below. http://enterprise54.com/how-to-access-cbns-n220-billion-msme-development-fund-msmedf/ 9 Likes |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by chrisbaxtian(m): 9:02am On Oct 13, 2017 |
sassyboochic: seriously?! 3 Likes |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by amicable09(f): 9:27am On Oct 13, 2017 |
OMOTOWO:The only time I've seen this form of collateral being accepted was during NYSC. All those who wanted Agric loans had to tender their discharge certificate as collateral to secure the loan. I can bet that over 70% of those facilities will go bad. At least I know one beneficiary who used the money for something else other than Agric. OP, if it weren't a start up, I would have suggested other ways of securing a loan but since it is for capital, I advise you source for funds through family and friends. Get an interest free 'loan'. 4 Likes |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by chrisbaxtian(m): 9:34am On Oct 13, 2017 |
amicable09: I need loan 3 Likes |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by amicable09(f): 9:46am On Oct 13, 2017 |
chrisbaxtian:Why are you telling me 5 Likes 1 Share |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by chrisbaxtian(m): 10:00am On Oct 13, 2017 |
amicable09: because you just said you had the means. read the post I quoted again 3 Likes |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by amicable09(f): 10:33am On Oct 13, 2017 |
chrisbaxtian:No, that's not what I said. Read my first post again please. |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by chrisbaxtian(m): 10:38am On Oct 13, 2017 |
amicable09: hmmm... 3 Likes |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by talk2ekpa(m): 10:52am On Oct 13, 2017 |
OMOTOWO:Policy of Loan #2017: Never collect a loan to start up a business. Collect loan only to boost up an existing business. Why? Because most new business start ups don't really start with incomes, profits and gains bursting in. And before the Business start making profits, payment with interest has begin, which is just more like refunding the owners money, but of course at a high rate. So if you collect loan of a Million Naira, and you are now refunding the money from a business which have not really made an income, from where will you pay the interest? OP my advise to you is, start something on your own no matter how little, just start the business. If you do that, you'll be able to know the ups and downs of the business from a more practical or practicing perspective. Then you can go get a loan. Any additional money (say loan) that comes your way at this time, will have the chances of bringing in income, because with the few experiences gained being in the business, you'll be able to put the loan into the aspect of the business with higher potency for income. Otherwise, any loan given to you at this state could be wasted. 20 Likes 3 Shares |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by Damilare1212: 12:23pm On Oct 13, 2017 |
OMOTOWO: Lolzzzz,omo naija unemployed don suffer..bros nowadays certificate is nothing anymore,as long as you can buy one with money bro rethink |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by Damilare1212: 12:24pm On Oct 13, 2017 |
talk2ekpa: Please tell him 2 Likes |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by DTOBS(m): 2:03pm On Oct 13, 2017 |
OMOTOWO:Op! That is so thoughtful of you, instead if sitting in one corner and be waiting for the govt to give you a peanut paying job. Please, kindly approach the Bank of Industry, you will be directed on which scheme of their entrepreneurship model that will fit you and help you. Meanwhile, if you are still a serving Corp Member, you can look out for the BOI graduate Entrepreneurship Fund Scheme (from the same Bank of Industry) where you will be able to get start up fund. Note that BOI now gives start up fund it *NO INTEREST RATE* to its GEF beneficiaries and YES-P participants. You can ask me for more details, I can't really type long epistle! 1 Like |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by OMOTOWO(m): 2:41pm On Oct 13, 2017 |
sassyboochic:thank you bro.. 1 Like |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by OMOTOWO(m): 2:43pm On Oct 13, 2017 |
amicable09:family n friends!ok ooo..thank u |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by Queenext: 4:28pm On Oct 13, 2017 |
I get amused when I see people offering a certificate as collateral... Certificate, imagine,common kpali.....worthless piece of trash,should he default... You better up your game,and think out of the box 1 Like |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by talk2ekpa(m): 4:32pm On Oct 13, 2017 |
Queenext:Well, it is still ok. At least that is what he's got, and he is trying to use it to get what he wants. Besides, if not Nigeria and our bad Economy, BSc/HND Certificates takes years of work. |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by Queenext: 5:16pm On Oct 13, 2017 |
talk2ekpa:I know,the purpose of collateral is should there be default,the collateral, should be able to offset the debt.. Can a certificate do that? 1 Like |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by Nobody: 5:31pm On Oct 13, 2017 |
I will strongly suggest you start at the smallest you can. No matter how bad the economy situation is, you will still have money to start a business. So check how much you have and look for what business to do at that range. You must be very thrifty to raise capital for another business. FYI, I startedine with 500naira |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by njuwo(m): 5:55pm On Oct 13, 2017 |
TsaTrinity:Which kind business you start with 500 Naira, sardine business? |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by ozoneymcm: 5:58pm On Oct 13, 2017 |
SaintChukz:I hope you don't expect him to follow your advice |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by SaintChukz(m): 7:28pm On Oct 13, 2017 |
ozoneymcm: Well that's now left for him to decide on what to do. For my own part i think i have done the best thing any reasonable and compassionate human would do. |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by Nobody: 7:50pm On Oct 13, 2017 |
u wan use am stake abi 1 Like |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by leonard002(m): 8:03pm On Oct 13, 2017 |
talk2ekpa:bro you are too wise 1 Like |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by talk2ekpa(m): 8:39pm On Oct 13, 2017 |
leonard002:Really...? Glory to Jesus! |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by Nobody: 9:19pm On Oct 13, 2017 |
OMOTOWO:im not a bro... all the same, u welcome |
Re: I Need A Loan.i Will Offer My Certificates As Collaterals by jimcoservices: 10:17pm On Oct 13, 2017 |
With the new CBN policy, graduates can access over 3million using their certificates as collateral. Just walk to any CNB branch new you for clarification |
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