₦airaland Forum

The University of British Columbia (UBC) is pleased to be partnering with The Mastercard Foundation to foster the next generation of African leaders. After supporting over 171 Mastercard Foundation Scholars in its first phase, The Mastercard Foundation Scholars Program at UBC will provide 351 academically talented young people from Sub-Saharan Africa with access to quality and relevant university education at UBC. After graduating, the Mastercard Foundation Scholars will then utilize their learning and experiences to contribute to the economic growth and social transformation of their communities in Africa.

For more details, you may visit the link below:

https://mastercardfdn.scholars.ubc.ca/

Meanwhile, you can reach out for your landed property valuation as home tie for travel visa purpose. It is your sure plug for visa purpose

Check the link below to read more about that :

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For further information Contact +2348032296562, +2349049045703 (whatsapp).

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Boost your chance of study or Visit visa approval.

Secuing visa approval to most developed countries of the world such as Canada, U.K, U..S.A and the rest either for study, visit, medical is not a fluke especially at this period as applicants would need to strongly proof to the visa issuing officer evidences of home ties that would make the applicant return to his/her home country on or before the expiration of the duration granted.

Without mincing words, many visa applicants do belief that "fat" bank account statement is the only paramount document they need to secure a visa approval forgetting that visa officers are also keenly interested in documents that buttress the economic status of the applicant and home ties that could facilitate his/her return on or before visa expiration.

Though, it's good to have good financial banking status. However, strong economic home tie is the major key factor often considered by visa issuing officers most especially for non-immigrant visa applicants like visit, study, medical and so on. The visa officers are more concerned about the economic tie of an applicant to his/her home country as strong home ties that'll pull him/her back after the tenure of visit or study visa granted.

Some of the evidences of home tie are marriage certificate, employment letter, certificate of investment, child/children birth certificate, bank fixed deposit statement of account, etc.

Meanwhile, the top secret is the use of valuation report on landed property(ties) to butress the applicant's finacial status and strong tie to the homeland.

A valuation report is a document prepared by firms of duly Registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either residential as owner occupied or rented for income generation etc). So it can also be used as proof of additional source of income as the case may be or back up landed asset liquidated to raise huge deposit of fund on account.

Meanwhile, it's not enough to just submit landed property title documents as most applicants do (that will not state the current monetary worth of the prpperty), but a well detailed report that will state the current worth and demostrate how the property(ties) will motivate your departure after your study or vacation and how you plan to utilize the property (ties) upon your return to your home country.

Though it is expected that an applicant should have a certain required amount that would cover his/her expenses during the stay, but a valuation report would "tell more" about the economic/financial status of the applicant in his/her home country that could appeal to the visa issuing officer in making a favourable decision about the applicant.

Let's take for example, a single applicant for applicant for study visa to Canada is expected to have a minimum amount equivalent to CAD36,000 (depending on the tuition fee to cover a year) and an applicant is able to meet that and also has property or properties worth equivalent of about CAD40,000 (Forty Thousand Canadian Dollars) or more, that tells more that such an applicant is doing well in his/her home country and would likely not be a liability to the visiting country. To be more practical, imagine someone that has say N30m in the bank, married with children and has property(ties) worth N35m or more. Don't be surprised such an applicant may be granted visa and someone that has say N60m on account without any proof of asset(s) or strong home tie denied. A visa officer would feel more comfortable to grant an applicant with strong home tie on the ground that he/she have investments/assets back home, wife and children that would make him/her to return after the duration granted.

So often times, money in the bank alone might not guarantee you but other support documents like your property/assets valuation report could do the magic.

No doubt you might have documents like purchase receipt, survey plan, deed of assignment or contract of sale on the property but those documents can not give the current market value of the property as land is expected to appreciate in value over time. So only valuation report will State that. Land you bought five years ago cannot be same value in the present year and possibly you've built on it.

If you have savings which is equivalent or exceed the required amount, then your bank statement (not less than 3months) is a good proof of funds and if your money is split between several banks, you'll need to provide details of each to add up to the required amount or exceed if you have it.

This is what many are not aware of that money in property is probably the most widely used proof of source of fund. It is a known fact that people sell some property/ties owned in their home country before landing in canada or relocating to anywhere else and will use the proceed or equity to establish themselves after relocating and the remaining properties, it's a kind of high assuring factor that the applicant shall return to his/her home country upon completion of study or visit.

The immigration office appreciate the fact that you can sell property at the point you're required to supply the information/proof and has made allowances for that. Therefore, all you need do is to get a firm of Certified Estate Surveyors and Valuers that is "skilled" in writting this kind of report (cos some basic information that are to be included) to value the property and give a report stating opinion of the current market value of the property , such valuation report MUST be on the firm letter head, duly stamped, sealed and signed. The immigration body can then see how much equity you have on the valuation report.

If the property is on mortgage, you'll need to submit a mortgage statement from your lender showing how much money is owned on the property, then you submit a valuation report along with it to be able to see how much equity available to you on the property.

Meanwhile, if the property is an investment property, a rental valuation report can be submitted along with your application to proof/buttress your additional source of income. Therefore, a valuation report is not just a document but a very useful one that could facilitate your visa approval.

Boost your chance of study or Visit visa approval.

Secuing visa approval to most developed countries of the world such as Canada, U.K, U..S.A and the rest either for study, visit, medical is not a fluke especially at this period as applicants would need to strongly proof to the visa issuing officer evidences of home ties that would make the applicant return to his/her home country on or before the expiration of the duration granted.

Without mincing words, many visa applicants do belief that "fat" bank account statement is the only paramount document they need to secure a visa approval forgetting that visa officers are also keenly interested in documents that buttress the economic status of the applicant and home ties that could facilitate his/her return on or before visa expiration.

Though, it's good to have good financial banking status. However, strong economic home tie is the major key factor often considered by visa issuing officers most especially for non-immigrant visa applicants like visit, study, medical and so on. The visa officers are more concerned about the economic tie of an applicant to his/her home country as strong home ties that'll pull him/her back after the tenure of visit or study visa granted.

Some of the evidences of home tie are marriage certificate, employment letter, certificate of investment, child/children birth certificate, bank fixed deposit statement of account, etc.

Meanwhile, the top secret is the use of valuation report on landed property(ties) to butress the applicant's finacial status and strong tie to the homeland.

A valuation report is a document prepared by firms of duly Registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either residential as owner occupied or rented for income generation etc). So it can also be used as proof of additional source of income as the case may be or back up landed asset liquidated to raise huge deposit of fund on account.

Meanwhile, it's not enough to just submit landed property title documents as most applicants do (that will not state the current monetary worth of the prpperty), but a well detailed report that will state the current worth and demostrate how the property(ties) will motivate your departure after your study or vacation and how you plan to utilize the property (ties) upon your return to your home country.

Though it is expected that an applicant should have a certain required amount that would cover his/her expenses during the stay, but a valuation report would "tell more" about the economic/financial status of the applicant in his/her home country that could appeal to the visa issuing officer in making a favourable decision about the applicant.

Let's take for example, a single applicant for applicant for study visa to Canada is expected to have a minimum amount equivalent to CAD36,000 (depending on the tuition fee to cover a year) and an applicant is able to meet that and also has property or properties worth equivalent of about CAD40,000 (Forty Thousand Canadian Dollars) or more, that tells more that such an applicant is doing well in his/her home country and would likely not be a liability to the visiting country. To be more practical, imagine someone that has say N30m in the bank, married with children and has property(ties) worth N35m or more. Don't be surprised such an applicant may be granted visa and someone that has say N60m on account without any proof of asset(s) or strong home tie denied. A visa officer would feel more comfortable to grant an applicant with strong home tie on the ground that he/she have investments/assets back home, wife and children that would make him/her to return after the duration granted.

So often times, money in the bank alone might not guarantee you but other support documents like your property/assets valuation report could do the magic.

No doubt you might have documents like purchase receipt, survey plan, deed of assignment or contract of sale on the property but those documents can not give the current market value of the property as land is expected to appreciate in value over time. So only valuation report will State that. Land you bought five years ago cannot be same value in the present year and possibly you've built on it.

If you have savings which is equivalent or exceed the required amount, then your bank statement (not less than 3months) is a good proof of funds and if your money is split between several banks, you'll need to provide details of each to add up to the required amount or exceed if you have it.

This is what many are not aware of that money in property is probably the most widely used proof of source of fund. It is a known fact that people sell some property/ties owned in their home country before landing in canada or relocating to anywhere else and will use the proceed or equity to establish themselves after relocating and the remaining properties, it's a kind of high assuring factor that the applicant shall return to his/her home country upon completion of study or visit.

The immigration office appreciate the fact that you can sell property at the point you're required to supply the information/proof and has made allowances for that. Therefore, all you need do is to get a firm of Certified Estate Surveyors and Valuers that is "skilled" in writting this kind of report (cos some basic information that are to be included) to value the property and give a report stating opinion of the current market value of the property , such valuation report MUST be on the firm letter head, duly stamped, sealed and signed. The immigration body can then see how much equity you have on the valuation report.

If the property is on mortgage, you'll need to submit a mortgage statement from your lender showing how much money is owned on the property, then you submit a valuation report along with it to be able to see how much equity available to you on the property.

Meanwhile, if the property is an investment property, a rental valuation report can be submitted along with your application to proof/buttress your additional source of income. Therefore, a valuation report is not just a document but a very useful one that could facilitate your visa approva

How can students improve their chances of getting Canada Study visa?

Canada has adopted a Zero Net Growth model for allocating study permits this year — for every student who leaves the country, one more can enter. Here what you need to do to maximise your chances of getting a student visa.

In January, 2024 Canada capped the number of visas it will issue to international students. Now, it has revised the final allocation of attestation letters, a mandatory document for the issuance of study permits for international students by a province or territory.

Notably, some provinces have been allocated more attestation letters than others, meaning that despite Canada’s cap on visas, students can increase their chances of getting a visa if they choose their destination carefully.

Here is how:

Canada has adopted a Zero Net Growth model for allocating study permits under the national cap this year, signifying a one-for-one replacement policy — for every student who leaves the country, one more can enter.

According to the revised allocation, provinces and territories in Canada can issue a total of 552,095 attestation letters, with an estimated approval of 291,914 study permits, a 28% decrease compared to the previous year.

Moreover, around 20% students in the current national cap will be those who apply for an extension of their study permit each year.

There are also exemptions for specific student categories such as primary and secondary school students, and masters’ and doctoral degree students The number of such students was around 140,000 in 2023, and is expected to remain the same this year.

Examining provincial allocations key:

Students have historically preferred study in Ontario, British Columbia, and Alberta provinces. Ontario’s Greater Toronto Area (GTA), and BC’s Surrey and Vancouver have been the top destinations.

“Out of 10 students, 7 or 8 prefer these three provinces,”

Now, students should instead prioritise provinces and territories that have seen a substantial increase in attestation letters and, consequently, study permits.

Despite overall cap, some provinces see increased allocations. Alberta received an allocation of 40,894 attestation letters, leading to a projected approval of 24,537 study permits (SPs). This marks a 10% increase from the previous allocation. Similarly, Quebec was allocated 1,17,917 letters, compared to 72,716 earlier, also resulting in a 10% increase of projected SPs approved (43,629).

Saskatchewan received an allocation of 15,054 attestation letters, representing a 10% increase, with a projected 7,226 SPs to be approved.

Newfoundland saw an allocation of 3,153, again a 10% increase from the previous year, with approval of 1,419 SPs projected. Nunavut received 333 allocations this year, marking a staggering 6,567% uptick from 2023, with a projected SPs at 200. Similarly, Northwest Territories received 333 allocations, also reflecting a remarkable 4,900% increase from 2023, with a projected SPs at 200.

Although Nova Scotia experienced an increase in allocation letters from 12,906 to 20,378, the projected SPs approval rate remained unchanged at 7,744. Finally, Yukon also witnessed a significant increase of 205 per cent in allocation, with 417 attestation letters issued and a projected SPs of 250.

Look beyond traditional destinations:

Experts suggest while Ontario remains a preferred choice due to its large allocation, considering less-fancied provinces might yield better results. Ontario with 2,35,000 attestation letters allocated, projects to issue roughly 141,000 SPs — a 41% decrease as compared to 2023. Given the sheer number of applications that this province receives, the chances of rejection are very high.

Similarly, British Columbia has experienced an 18% decrease in allocations.

In a nutshell, while the revised allocations may pose challenges, strategic planning and exploration of diverse study destinations can significantly improve students’ visa success rates in Canada.

HOW MUCH PROOF OF FUND IS REQUIRED FOR STUDY VISA TO CANADA.

It is no longer a news that the cost of living proof of funds requirements for study permit applicants is now $20,635. In addition to this proof of living expenses, applicants are to provide proof of their at least first year of tuition and other travel costs.

Often times, applicants are denied based on insufficient fund as some do get confused regarding how much pof they actually needed. Here below is a guide for you to know and work towards meeting up with the financial requirement.

Scenarios with estimatated one year tuition fees of 25,000 (this may vary depending on the school) & minimum travel cost per person of $2000 CAD based on the new cost of living:

Single applicant:

Tution Fees. - $25,000
Living Expenses - $20,636
Transportation. - $2,000
Minimum Funds Required = $47,636.

Family of 2:

Tution Fees. - $25,000
Living Expense. - $25,691
Transportatiońn. -$4,000
Minimum Funds Required=$54,691

Family of 4:

Tution Fees. - $25,000
Living Expense. - $38,346
Transportation. - $8,000
Minimum Funds Required=$71,346

Note that the tuition fee can vary depending on the school and course but the rest funds are the minimum required for visa approval.

CAD1 = N1,187.55 (always check for the current rate and apply accordingly)

Relocating to Canada, U.S.A or United Kingdom through study is one of the best route to moving with one's family and eventually securing a Permanent Residence. Getting admission to Canada, US or UK for study is a great achievement, however, that's just the first hurdle, before you can pack your bags and move to Canada, US or UK for your study, you must get a visa.

Therefore, for an applicant to avoid getting a rejection on his/her study visa application, kindly take very careful note of some common factors to watch out for when making your study visa application.

Although, Msc International students are eligible to apply to come to study in Canada with family members (spouses & children). These are few things to note to do this successfully. Let it be known that when you applied for admission, you did that for yourself alone, but when applying for visa, you can include your family (spouse and children) for your study visa

On that note, your visa application shall then be determined by three things:

* Purpose of study
* Proof of funds
* Home ties

These three things are the expectations for single applicants as well, but if applying as a family, you have a stronger justification to make. You will need to show additional funds to cater for the family, justify the importance of having family members with you, and have other ties to your country.

Purpose of study:

In your study plan/letter of explanation, you will need to convincingly explain the reasons you chose to study in Canada, how your studying abroad will be of benefit to you either as an employee or self employed and why your spouse & children should accompany you to Canada (if going as a family).

Your wife or husband can apply for Open Work permit (depending on your program of study), and children visitor

NB: If you are a student going to a school/program that is not eligible for a post-graduation work permit (PGWP), your spouse is not eligible for the spousal open work permit (SOWP).

This is one of the important reasons to ensure the program you apply for is eligible for PGWP. The study plan helps you to justify the purpose of your study & the importance of having your family with you so that your spouse can work and support the family while you're are studying.

Other reasons could be anything from the fact that your children are young, or your family has never been apart before. Family unification is important to Canada, so you can leverage on that.

Proof of funds (POF)

If you intend to apply with your family, you will have to pay extra application fees & also show more POF than a single applicant. You must also show that you have sufficient funds to support yourself & the family members accompanying you without working in Canada. You are expected to show enough to cover your tuition and living expenses as the student; and the additional funds for the living expenses of those accompanying you. And the total funds you need will depend on your own family number.

Home ties

Proof of home ties, this is very crucial and an important aspect of the Canadian study visa application owing to the fact that many applicants have been denied based on insufficient proof of home ties, insufficient assets, that simply means having sufficient fund on account is not enough to guarantee your visa approval. As an international student, you are a temporary resident & need to show that you have reasons to leave Canada after your study (if required to do so).

IRCC wants to see evidence of your home ties. Many applicants find it easier to use their family members as part of their home ties. But in the case you're applying with your family, it means you must be ready to show other ties.

It could be your business, investments, employment, financial assets and most importantly landed properties (which are mostly preferred cos they hardly depreciate in value but appreciate more over time).

Therefore, you must know what the visa officers want to see and craft your application to satisfy them. Submitting a valuation report of your landed assets (land & building) along with other required documents for visa application could actually boost your chance of visa approval.

Either for visit, study, medical or other temporary or permanent residency visa applications, it is strongly advisable for applicants to provide a valuation report of their property(ties) in order to assist and convince visa officer about their economic/financial status in their home country and also as proof of strong home tie to pull the applicant to return on or before expiration of period granted.

Property Valuation report could make a visa officer develop good mental picture of who the applicant is, it just like what CV is to a job recruiter. An employer can develop an idea who a job seeker is through the CV to decide if the job seeker should be considered or not. A valuation report describe in detail the property(ies) owned by the visa applicant and the corresponding value of such a property either a house undeveloped land, agricultural farmlands etc which undoubtedly could be a strong proof of the applicant tie to the home country that can pull him/her back after his/her study.

This document shows the amount of wealth you own in property(ties) in your homeland which will make a strong pull factor for your return to your homeland once the purpose of your visit is over and that may eliminate doubt of your return and one point of visa rejection.

Also, it could serve as a support document to your proof of fund which are usually liquid assets such as bank deposit etc. It will make lots of senses if you have good financial status as confirmed by your bank statement of account and property or assets valuation report to corroborate your status.

Though, there are many who do not submit this document due to ignorance or it doesn't matter mind set but it would be wise to do it by a smart applicant especially if its a non apprearance visa application or the one you first submit your application for assesment prior to physical interview.

It is important to prove that your housing assets is valuable as a strong home tie for returning after your study abroad or temporary visit and back up for proof of fund especially Canada Express Entry applicants and schooling.

The report would be a guide to the visa officer to establish the affordability of expenses or visit, stay, study and that the applicant have assets that can be liquidated to raise funds if the need arises.

Note: Once you present your application well and provide detailed information about your sources of fund (especially any recent lump sum deposit) , home ties (assets worth) backed with required documents , sufficient fund to cater for your tution/living expenses based on family size, your application is good to go

Often times people asked why their visa applications were denied based on "insufficient assets" or financial status or insufficient home ties" or "unexplained source of huge deposit on account " despite submitting copies of title documents on their landed assets (which probably do not contain the current value of such property).

Therefore, it not all about including landed property title documents only in your application, you need additional document that tells the current overall monetary worth of the property(ies) and would also demonstrate how those property(ies) can motivate your departure after your study or vacation and how you plan to utilise the property(ties) upon your return home. VERY IMPORTANT!!!

That document is a valuation report, it is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either residential as owner occupied or rented for income generation, your future plan for the property etc). So, it can also be used as proof of additional source of income as the case may be or back up landed asset liquidated to raise fund on account for your study purpose. In other word, it's a multipurpose document that can boost your chance of visa approval.

So, often times, huge money in the bank alone might not guarantee you but other support documents like your property/assets valuation report could do the magic.

WHAT TYPE OF FUND CAN YOU PRESENT FOR CANADA STUDY/VISIT VISA.

Several times I get asked these questions, "Can I submit an investment certificate as a proof of fund"?.

The basic truth is, relocating to Canada, UK, USA or any other developed countries of the world (no matter the route), will cost you money! Secondly, the larger the size of your family, the more money you'll need.

Be that as it may, the simple truth is that visa officers want to see the required amount needed for your travel purpose in your bank account, mutual funds account or any account that you can immediately withdraw from. These funds can be in your personal account, business account (if you're the sole signatory) or your spouse’s account (if he/she is your sponsor), or your parents account and not a third party. If the fund is from your spouse, he/she would need to write you a letter of sponsorship or co-sponsor and sworn an affidavit and same is applicable to parents.

How about Investment Certificates or Certificate of Deposit?

By simple definition, an investment certificate is a document issued to an investor in an investment product offered by an investment company or brokerage firm (that must be registered with SEC) designed to offer a competitive yield/interest to an investor with the added safety of their principal. The certificate allows the investor to make an investment and to earn a guaranteed interest rate for a predetermined amount of time.

From the above, investment certificate and certificate of deposit are time bound (more like a fixed deposit) before withdrawal could be made unlike the regular savings or current accounts. Therefore, they are not preferred tenders to be used as proof of fund except it has matured and credited into your regular account, then you can use the certificate together with investment account statement as proof of source of fund but if yet to mature, you can use the certificate as proof of home tie.

That bring us to another very IMPORTANT factor mostly considered before a visa is granted, home tie. The issue of convincing the visa officer that you have strong home ties to yourself and your family that would bring you back to your home country on or before expiration of your study/visit visa granted is one of the toughest and one of the foremost reason why people are denied visas. Therefore, you must know what the visa officers want to see and craft your application to satisfy them.

Thats where valuation report comes in, this document is prepared by a firm of registered/certified estate surveyors and valuers and it shows the amount of wealth you own in landed property(ties) in your homeland which will make a strong pull factor for your return to your homeland once the purpose of your visit is over and that may eliminate doubt of your return and one point of visa rejection.

For further equiries, do not hesitate to contact +2349049045703 (Whatsapp only) or +2348032296562.

SPEAKING FROM THE GRAVE (CONCEPTS OF WILLS IN NIGERIA)

Whenever the word "will" is mentioned anywhere or to anyone it sounds weird or terrifying because a will is associated with death in the minds of many people. It sounds unpleasant in the ears of many people, but the reality is that having a will is just as vital as having assets.

Legally, various statutes are applicable to Wills in Nigeria mostly derived from the Wills Act 1837 such as the Wills (Amendment) Act, 1852, Wills Law of various States, Administration of Estate Laws of the various states, High Court (Civil Procedure) Rules of various states, Evidence Act, Marriage Act, the 1999 Constitution and case laws/judicial precedents.

Therefore, for the purpose of enlightening my readers and promote the concept of will, this article shall expose the readers to the following:

a. The meaning of a Will;
b. Benefits of having a Will;
C. The types of Will;
d. Who can make a Will;
e. Validity of a Will,
f. Custody of a Will,
g. Grant of Probate/Letter of Administration,
h. Valuation For Probate Purpose.

What is a will:

There is a strong argument that someone who has laboured to acquire assets during his/her lifetime should have unrestricted and unfettered discretion in the way and manner such assets are distributed upon his/her demise.
for their dependents.

A Will is a legal document by which someone (a testator) names beneficiaries and executors to govern his or her estate (assets and properties) after his or her death and instructs how it should be dispersed to the beneficiaries (the people who are to benefit from the Will, such as the children, family, associates and friends). This can be done in writing or orally (audo/visual). Now, let's look at different types of will which are as follows.

Types of Will:

a. Statutory Will

These are wills made by the provisions of the Wills Act, 1837 or the relevant Wills law of the testator's state. An example is a Will made according to Armed Forces Act Cap 420 LFN 2004 for members of the armed services. Ideally, a Will should be in writing or typed. Oral Wills (Nuncupative Wills) may be valid under customary law but are not covered by the Wills Law. The Nigerian courts have repeatedly held that written will should comply with Wills law to be deemed valid in the eyes of the law.

Writing per se is not conclusive evidence that the English form is intended by the Testator. If a Will is written but does not comply with the requirements of the Wills Act, it would be treated as invalid under wills law but may be valid under customary law. A Will MUST be signed at the foot or end of the document by the Testator or by another person (appointed by the Testator) in his/her presence and by his/her direction.

The Testator must sign or acknowledge before the witnesses subscribe, or the Will will be void for flawed execution. Signature here will include any mark intended to represent the name of the Testator e.g. thumb print, a cross, an initial, etc. The signature must be affixed in the presence of two or more witnesses present.

b. Nuncupative Will

These are the oral directives of a deceased person to his heirs, which are to be carried out after his/her death. It is usually made in anticipation of imminent death. Sometimes, it isreferred to as Death Bed Wishes. It could be in audio-visual format.

C. Mutual Will

This will is made by two or more persons. They are reciprocal because they make provisions for each of the makers of the will, or an agreement between them to dispose of their properties in a particular way. Mutual wills are not revocable, except with the agreement of the other party.

d. Privileged Will

This is a will made by certain categories of persons in actual service. An examnple is a soldier in actual military service, a mariner or seaman being at sea, a crew of commercial airliners. 'A privileged will is valid without the required formalities.
e. Prenuptial/Ante-nuptial Will
This is a will made preparatory to a marriage. It can be made by any of the spouses to be before marriage.

f. Conditional Will:

This is a will executed based on certain pre-conditions that must be fulfilled before the will can take effect.

In addition to the above, other conditions which must be satisfied for a Will to be valid are:

The will must be voluntarily made and executed by the Testator. This means that the Will must have been freely made without any form of influence whatsoever by any person on the Testator that affects the Testator's mind in the making of the will. Persuasion is allowed in law but should not amount to pressure; pressure of whatever character if so exerted as to overpower the volition of the Testator without convincing his/her judgment will amount to undue influence, which will invalidate the Will.

The Will must be made by a Testator with testamentary capacity for it to be valid. Testamentary capacity means the capacity and ability to make a valid Will and it involves two elements:

i. Age: Section 3 of the Wills Law provides that the minimum age at which a person can make a will is 18 years. Certain persons are however exempted from this age requirement, i.e. soldiers in actual military service and mariners or seaman at sea who can prepare valid Wills though under the age of 18 years.

ii.Sound Disposing Mind: The Testator must possess the mental capacity or sound disposing mind to make a Will. This simply means that the Testator must not be suffering from any disease of the mind or of the body capable of affecting the mind of the Testator in the making of the will. Where it is established that the Testator was not of sound mind at the time of making the Will, the Will will be invalidated.

There are three criteria for ascertaining whether a Testator had the requisite disposing mind for making a Will:

(a) The Testator must understand that he/she is giving his/her property to one or more objects or persons of his/her regard;

(b) The Testator must understand and recollect the exact extent of his/her property.

(c) The Testator must also understand the extent of those he/she intends to include or exclude from his/her Will.

(d) In order to make a valid Will, the Testator must have the intention to make a will and

must intend that his/her wishes should take effect on his/her death. The Testator must know of and approve of the contents of his/her Will. If the contents of the Will are not the wishes of the Testator but of another person then it is invalid.

By virtue of section 8 of the Wills Law, a Will must not be witnessed by a beneficiary of the Will or his/her spouse unless the gift to the beneficiary is a charge or direction for payment of debt. In consequence, where a person or his/her spouse is a beneficiary under a Will, such a person or the spouse must not witness the Will. If that person or spouse witnesses the Will, the gift to him/her fails. Nonetheless, the Will remains valid.

Where a Will has been read and probate obtained in a foreign country, the grant shall be resealed to make it effective within Nigeria. The resealing is made with respect to the properties found within Nigeria. There may be a need to reseal in the different states in Nigeria where the deceased had property.

The Benefits of having a will:

Someone can achieve the following by having a Will:

a. Distribute the assets according to his or her wishes to relatives and friends.
b. Appoint trustworthy executors who will regard the interests of the beneficiaries.
C. Express funeral and burial arrangements.
d. Appoint guardians for children.
e. Limit or remove the application of customary/family rules/traditions
f Help remove/reduce animosity amongst family members

Where Can A Will Be Kept:

A will can be kept in the following places:

a. The Testator's safe box;
b. At the Probate Registry with an assigned registration number;
C. Banks: Banks have vaults for keeping critical objects belonging to clients, including legal papers such as property deeds, certifications, and wills, among other things.
d. With a trusted friend or relative;
e. With the Solicitor who drafted the Will;
f. With an executor of the Will.

However, it is recommended that the Will be preserved at the probate register to facilitate the process of searching for and discovering the Will. In conclusion, the importance of speaking from the grave cannot be overemphasized, because should a man fail to do this and die intestate, his properties/assets will be distributed in accordance with Administration of Estates Law or his customary law and not according to his wishes.

In my next article I'll be discussing the processes of obtaining Grant Probate or Letter of Administration. Meanwhile, if you like this article and want to read more beneficial articles on land matter, you may click and like our page below where you'll get to read more.

https://www.facebook.com/A2RealmartOptions/?referrer=whatsapp
Thanks

Akintayo Akinlolu
Real Estate Consultant/Investment Advisor.

Available For Letting:

Superbly finished and furnished 3 Bedroom flat at Peak Estate, Oribanwa, Ibeju-Lekki, Lagos.

Rent per year: N4,000,000.00
Legal Fee: 10% of the rent
Agency Fee: 10% of the rent
Caution Deposit..10% of rent
Annual Service charge..200k

Furnished with dinning set, solar power inverter, refrigerator, washing machine, beds, fitted kitchen, air conditioners etc

Short internal video available.

For more details and arrangement for inspection, call +2348032296562, +2349049045703Fur

Having read through posts and comments, I want to believe it's pertinent for visa applicants to pay attention to POF, source of fund on account and home tie.

In the recent time, about 65% of refusal is coming as a result of inadequate POF or failure to convincingly
explain the source of POF especially with sudden heavy deposit into your account, more to that 35% of denials were based on insufficient assets/home ties.

It can be so painful that an applicant will get denied after spending so much, even on POF due to unexplained source of the fund backed with proper verifiable documents.

Often times, people wonder why their visa applications were denied based on "insufficient assets" or insufficient home ties" or "unexplained source of huge deposit on account " despite submitting copies of landed property title documents which probably do not contain the current value of such property. Imagine a land bought 4yrs ago for N3m and you still submit receipt and deed showing that amount in 2024 when probably the current value is N15m and could be more if you've built on the land say a bungalow making it to worth N35m but your receipt is showing N3m, the visa officer can conclude your asset is insufficient because he/she is not presented with a document to show the current worth.

Therefore, it not all about including landed property title documents only in your application, you need additional document that tells the current monetary worth of the property(ies) and would also demonstrate how the property(ies) will motivate your departure after your study or vacation and how you plan to utilise the property(ties) upon your return home. VERY IMPORTANT!!!

That vital document you need is a valuation report. Valuation report is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either residential as owner occupied or rented for income generation, your future plan for the property etc). So, it can also be used as proof of additional source of income as the case may be or back up landed asset liquidated to raise fund on account for your study purpose (i.e source of fund). In other word, it's a multipurpose document that can boost your chance of visa approval.

So, often times, huge money in the bank alone might not guarantee your approval but other support documents like your property/assets valuation report could do the magic.

Above all ensure you have enough accessible fund on account before you landed in Canada as you might be required to show your balance at the point of entry or else you can be sent back home and if you're fortunate to scale through, life could be difficult if you don't have enough.

Remain Blessed

PAY ATTENTION TO YOUR POF, SOURCE OF FUND & HOME TIE TO AVOID REFUSAL

In the recent time, about 65% of refusal is coming as a result of inadequate POF or failure to explain the heavy cash flow in your account statement then 35% based on insufficient assets/home ties.

It can be so painful that an applicant will get denied after spending so much on POF due to unexplained source of the fund and i'm sorry to mention that only few travel agents knows how to convincingly proof the source of such "sudden" fund on account backed with proper documents.

Often times I get asked by people why their visa applications were denied based on "insufficient assets" or insufficient home ties" or "unexplained source of huge deposit on account " despite submitting copies of title documents on their landed assets (which probably do not contain the current value of such property).

Therefore, it not all about including landed property title documents only in your application, you need additional document that tells the current monetary worth of the property(ies) and would also demonstrate how those property(ies) can motivate your departure after your study or vacation and how you plan to utilise the property(ties) upon your return home. VERY IMPORTANT!!!

That vital document you need is a valuation report. Valuation report is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either residential as owner occupied or rented for income generation, your future plan for the property etc). So, it can also be used as proof of additional source of income as the case may be or back up landed asset liquidated to raise fund on account for your study purpose (i.e source of fund). In other word, it's a multipurpose document that can boost your chance of visa approval.

So, often times, huge money in the bank alone might not guarantee your approval but other support documents like your property/assets valuation report could do the magic.

Let me reserve other secrets of how this document can facilitate your visa approval.

For more details contact +2348032296562, +2349049045703 (Whatsapp)

Note: we are not travel agents do not process visas but only render professional landed assets valuation service.

PAY ATTENTION TO YOUR POF, SOURCE OF FUND & HOME TIE TO AVOID REFUSAL

In the recent time, about 65% of refusal is coming as a result of inadequate POF or failure to explain the heavy cash flow in your account statement then 35% based on insufficient assets/home ties.

It can be so painful that an applicant will get denied after spending so much on POF due to unexplained source of the fund and i'm sorry to mention that only few travel agents knows how to convincingly proof the source of such "sudden" fund on account backed with proper documents.

Often times I get asked by people why their visa applications were denied based on "insufficient assets" or insufficient home ties" or "unexplained source of huge deposit on account " despite submitting copies of title documents on their landed assets (which probably do not contain the current value of such property).

Therefore, it not all about including landed property title documents only in your application, you need additional document that tells the current monetary worth of the property(ies) and would also demonstrate how those property(ies) can motivate your departure after your study or vacation and how you plan to utilise the property(ties) upon your return home. VERY IMPORTANT!!!

That vital document you need is a valuation report. Valuation report is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either residential as owner occupied or rented for income generation, your future plan for the property etc). So, it can also be used as proof of additional source of income as the case may be or back up landed asset liquidated to raise fund on account for your study purpose (i.e source of fund). In other word, it's a multipurpose document that can boost your chance of visa approval.

So, often times, huge money in the bank alone might not guarantee your approval but other support documents like your property/assets valuation report could do the magic.

Let me reserve other secrets of how this document can facilitate your visa approval.

For more details contact +2348032296562, +2349049045703 (Whatsapp)

Note: we are not travel agents do not process visas but only render professional landed assets valuation service.

WHY YOU NEED TO PERFECT YOUR PROPERTY DOCUMENT AS SOON AS POSSIBLE.

It's common that most property buyers either knowingly or unknowingly do keep copies of their signed transfer of interest papers such as deeds of assignment, deed of conveyance, deed of transfer etc without perfecting the titles on their names by way of obtaining Governor's Consent or C of O as the case may be as stipulated by law.

Such is risky for the property buyer owing to the reason that if a property seller/vendor either mistakenly or fraudulently sells the same property to two (or more) different people at different times, the first person to register his title shall be deemed as the new rightful owner of such a property, and not the first person to buy the property.

This was what recently happened in UZOMAR v. OKEKE (2023) LPELR-60326(CA) where the Court of Appeal relied on the Supreme Court decision in NAPOLEON S. ORIANZI VS. THE ATTORNEY - GENERAL, RIVERS STATE & ORS (2017) LPELR - 41737 (SC) and said:

“It has long been settled that priority of registered instruments is determined not by the date the instrument is made, but by the date of registration. Where there are two competing land instruments which have been registered, each takes effect as against the other from the date of registration. The one executed earlier loses its priority if it was registered later."

The Court stated, that the rationale for this position is that "The priority of interests under the Land Instrument Registration Statutes is based on the times the relevant Deeds were registered, therefore, where the equities are equal, the first in time prevails."

Therefore, after purchasing a property, do not just keep your duly signed Deed of Assignment, go further to process Governor's Consent if the seller already has a C of O or registered on it or go further to obtain C of O if the seller has non. Register it as soon as possible.

For more information, you can contact me via +2349049045703 (whatsapp), +2348032296562, email: a2realmartoptions@gmail.com

Akintayo Akinlolu
Real Estate Investment Advisor

Note: To read more fantastic articles on land/property related matter, click and visit the below link:

https://www.facebook.com/A2RealmartOptions/?referrer=whatsapp

According to the dictionary, collateral is typically defined as an asset that a borrower uses to secure a loan. Collateral can take the form of a physical asset, such as a land or house or it could be a financial asset, like investments and sometime full time employment that a borrower can use to guarantee loan repayment. Lenders require collateral for certain loans to minimize their risk or loss.

Same goes for secuing visa approval to most developed countries of the world such as Canada, U.K, U..S.A and the rest. Getting visa approval to enter into those countries either for study, visit or medical is not a fluke especially at this period as applicants would need to strongly proof to the visa issuing officer evidences of home ties that would make the applicant return to his/her home country on or before the expiration of the duration granted.

Without mincing words, many visa applicants do belief that "fat" bank account statement is the only paramount document they need to secure a visa approval forgetting that visa officers are also keenly interested in documents that buttress the economic status of the applicant and home ties that could facilitate his/her return on or before visa expiration.

Though, it's good to have good financial banking status. However, strong economic home tie is the major key factor often considered by visa issuing officers most especially for non-immigrant visa applicants like visit, study, medical and so on. The visa officers are more concerned about the economic tie of an applicant to his/her home country as strong home ties that'll pull him/her back after the tenure of visit or study visa granted.

Some of the evidences of home tie are marriage certificate, employment letter, certificate of investment, child/children birth certificate, bank fixed deposit statement of account, etc.

Meanwhile, the top secret is the use of valuation report on landed property(ties) to butress the applicant's finacial status and strong tie to the homeland.

A valuation report is a document prepared by firms of duly Registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either residential as owner occupied or rented for income generation etc). So it can also be used as proof of additional source of income as the case may be or back up landed asset liquidated to raise huge deposit of fund on account.

Meanwhile, it's not enough to just submit landed property title documents as most applicants do, but documented evidence to show how the property(ties) will motivate your departure after your study or vacation and how you plan to utilize the property (ties) upon your return to your home country.

Though it is expected that an applicant should have a certain required amount that would cover his/her expenses during the stay, but a valuation report would "tell more" about the economic/financial status of the applicant in his/her home country that could appeal to the visa issuing officer in making a favourable decision about the applicant.

Let's take for example, a single applicant for applicant for study visa to Canada is expected to have a minimum amount equivalent to CAD36,000 (depending on the tuition fee to cover a year) and an applicant is able to meet that and also has property or properties worth equivalent of about CAD40,000 (Forty Thousand Canadian Dollars) or more, that tells more that such an applicant is doing well in his/her home country and would likely not be a liability to the visiting country. To be more practical, imagine someone that has say N30m in the bank, married with children and has property(ties) worth N35m or more. Don't be surprised such an applicant may be granted visa and someone that has say N60m on account without any proof of asset(s) or strong home tie denied. A visa officer would feel more comfortable to grant an applicant with strong home tie on the ground that he/she have investments/assets back home, wife and children that would make him/her to return after the duration granted.

So often times, money in the bank alone might not guarantee you but other support documents like your property/assets valuation report could do the magic.

No doubt you might have documents like purchase receipt, survey plan, deed of assignment or contract of sale on the property but those documents can not give the current market value of the property as land is expected to appreciate in value over time. So only valuation report will State that. Land you bought five years ago cannot be same value in the present year and possibly you've built on it.

Even for Canada Express Entry applicant, proof of fund is one of the basic requirements for permanent residence applications. Applicants need to provide to Canada Immigration & Citizenship an evidence of enough mandatory funds to support oneself and any accompanying family members when landed in Canada. This is because the government of Canada will not provide any financial support for new immigrants and therefore need to be sure the new immigrant will be able to support him/herself and his/her family members and same goes for study, either in the United Kingdom or Canada.

The amount required depends on the family size and can vary from time to time and for study visa depends on the institution. Meanwhile, at the time of putting in your application you'll need to show that you have at least the required amount. However, you can also submit a document that shows that you have asset that could be liquidated to cash if granted for your application to be processed.

Now you may be wondering what type of funds you can use and what type of proof is required. Well, there are options which we shall quickly dwell on into details:

SAVINGS: If you have savings which is equivalent or exceed the required amount, then your bank statement (not less than 3months) is a good proof of funds and if your money is split between several banks, you'll need to provide details of each to add up to the required amount or exceed if you have it.

REAL ESTATE: This is what many are not aware of that money in property is probably the most widely used proof or source of fund. It is a known fact that people sell property/ties owned in their home country before landing in canada or relocating to anywhere else and will use the proceed or equity to establish themselves after relocating and if not for permanent residence, it's a kind of high assuring factor that the applicant shall return to his/her home country upon completion of study or visit.

The immigration office appreciate the fact that you may not have sold the property at the point you're required to supply the information/proof and has made allowances for that. Therefore, all you need do is to get a firm of Certified Estate Surveyors and Valuers that is "skilled" in writting this kind of report (cos some basic information that are to be included) to value the property and give a report stating opinion of the current market value of the property , such valuation report MUST be on the firm letter head, duly stamped, sealed and signed. The immigration body can then see how much equity you have on the valuation report.

If the property is on mortgage, you'll need to submit a mortgage statement from your lender showing how much money is owned on the property, then you submit a valuation report along with it to be able to see how much equity available to you on the property. It is assumed that the property would have been sold and the money in your account before landing or relocating finally.

Meanwhile, if the property is an investment property, a rental valuation report can be submitted along with your application to proof/buttress your additional source of income. Therefore, a valuation report is not just a document but a very useful one that could facilitate your visa approval.

For further enquiries, do not hesitate to contact +2348032296562 or +2349049045703 (Whatsapp only)

Here to serve you right and you will be glad u did!.

According to the dictionary, collateral is typically defined as an asset that a borrower uses to secure a loan. Collateral can take the form of a physical asset, such as a land or house or it could be a financial asset, like investments and sometime full time employment that a borrower can use to guarantee loan repayment. Lenders require collateral for certain loans to minimize their risk or loss.

Same goes for secuing visa approval to most developed countries of the world such as Canada, U.K, U..S.A and the rest. Getting visa approval to enter into those countries either for study, visit or medical is not a fluke especially at this period as applicants would need to strongly proof to the visa issuing officer evidences of home ties that would make the applicant return to his/her home country on or before the expiration of the duration granted.

Without mincing words, many visa applicants do belief that "fat" bank account statement is the only paramount document they need to secure a visa approval forgetting that visa officers are also keenly interested in documents that buttress the economic status of the applicant and home ties that could facilitate his/her return on or before visa expiration.

Though, it's good to have good financial banking status. However, strong economic home tie is the major key factor often considered by visa issuing officers most especially for non-immigrant visa applicants like visit, study, medical and so on. The visa officers are more concerned about the economic tie of an applicant to his/her home country as strong home ties that'll pull him/her back after the tenure of visit or study visa granted.

Some of the evidences of home tie are marriage certificate, employment letter, certificate of investment, child/children birth certificate, bank fixed deposit statement of account, etc.

Meanwhile, the top secret is the use of valuation report on landed property(ties) to butress the applicant's finacial status and strong tie to the homeland.

A valuation report is a document prepared by firms of duly Registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either residential as owner occupied or rented for income generation etc). So it can also be used as proof of additional source of income as the case may be or back up landed asset liquidated to raise huge deposit of fund on account.

Meanwhile, it's not enough to just submit landed property title documents as most applicants do, but documented evidence to show how the property(ties) will motivate your departure after your study or vacation and how you plan to utilize the property (ties) upon your return to your home country.

Though it is expected that an applicant should have a certain required amount that would cover his/her expenses during the stay, but a valuation report would "tell more" about the economic/financial status of the applicant in his/her home country that could appeal to the visa issuing officer in making a favourable decision about the applicant.

Let's take for example, a single applicant for applicant for study visa to Canada is expected to have a minimum amount equivalent to CAD36,000 (depending on the tuition fee to cover a year) and an applicant is able to meet that and also has property or properties worth equivalent of about CAD40,000 (Forty Thousand Canadian Dollars) or more, that tells more that such an applicant is doing well in his/her home country and would likely not be a liability to the visiting country. To be more practical, imagine someone that has say N30m in the bank, married with children and has property(ties) worth N35m or more. Don't be surprised such an applicant may be granted visa and someone that has say N60m on account without any proof of asset(s) or strong home tie denied. A visa officer would feel more comfortable to grant an applicant with strong home tie on the ground that he/she have investments/assets back home, wife and children that would make him/her to return after the duration granted.

So often times, money in the bank alone might not guarantee you but other support documents like your property/assets valuation report could do the magic.

No doubt you might have documents like purchase receipt, survey plan, deed of assignment or contract of sale on the property but those documents can not give the current market value of the property as land is expected to appreciate in value over time. So only valuation report will State that. Land you bought five years ago cannot be same value in the present year and possibly you've built on it.

Even for Canada Express Entry applicant, proof of fund is one of the basic requirements for permanent residence applications. Applicants need to provide to Canada Immigration & Citizenship an evidence of enough mandatory funds to support oneself and any accompanying family members when landed in Canada. This is because the government of Canada will not provide any financial support for new immigrants and therefore need to be sure the new immigrant will be able to support him/herself and his/her family members and same goes for study, either in the United Kingdom or Canada.

The amount required depends on the family size and can vary from time to time and for study visa depends on the institution. Meanwhile, at the time of putting in your application you'll need to show that you have at least the required amount. However, you can also submit a document that shows that you have asset that could be liquidated to cash if granted for your application to be processed.

Now you may be wondering what type of funds you can use and what type of proof is required. Well, there are options which we shall quickly dwell on into details:

SAVINGS: If you have savings which is equivalent or exceed the required amount, then your bank statement (not less than 3months) is a good proof of funds and if your money is split between several banks, you'll need to provide details of each to add up to the required amount or exceed if you have it.

REAL ESTATE: This is what many are not aware of that money in property is probably the most widely used proof or source of fund. It is a known fact that people sell property/ties owned in their home country before landing in canada or relocating to anywhere else and will use the proceed or equity to establish themselves after relocating and if not for permanent residence, it's a kind of high assuring factor that the applicant shall return to his/her home country upon completion of study or visit.

The immigration office appreciate the fact that you may not have sold the property at the point you're required to supply the information/proof and has made allowances for that. Therefore, all you need do is to get a firm of Certified Estate Surveyors and Valuers that is "skilled" in writting this kind of report (cos some basic information that are to be included) to value the property and give a report stating opinion of the current market value of the property , such valuation report MUST be on the firm letter head, duly stamped, sealed and signed. The immigration body can then see how much equity you have on the valuation report.

If the property is on mortgage, you'll need to submit a mortgage statement from your lender showing how much money is owned on the property, then you submit a valuation report along with it to be able to see how much equity available to you on the property. It is assumed that the property would have been sold and the money in your account before landing or relocating finally.

Meanwhile, if the property is an investment property, a rental valuation report can be submitted along with your application to proof/buttress your additional source of income. Therefore, a valuation report is not just a document but a very useful one that could facilitate your visa approval.

For further enquiries, do not hesitate to contact +2348032296562 or +2349049045703 (Whatsapp only)

Here to serve you right and you will be glad u did!.

We have updated the proof of funds table that shows how much money you need to settle in Canada. To stay eligible, you may need to update your settlement fund numbers in your Express Entry profile. Learn more: We have updated the proof of funds table that shows how much money you need to settle in Canada. To stay eligible, you may need to update your settlement fund numbers in your Express Entry profile.

Please note: If you were already invited to submit a permanent resident (PR) application or have a PR application in progress, you don’t need to show that you meet the updated proof of funds requirement..

We have updated the proof of funds table that shows how much money you need to settle in Canada. To stay eligible, you may need to update your settlement fund numbers in your Express Entry profile.

Please note: If you were already invited to submit a permanent resident (PR) application or have a PR application in progress, you don’t need to show that you meet the updated proof of funds requirement.

Learn how to work on or off campus while you study, and help your spouse or common-law partner get a work permit while you study: https://www.canada.ca/en/immigration-refugees-citizenship/services/study-canada/work.html

HOW TO CHECK IF SURVEY PLAN OF A LAND WITHIN LAGOS STATE IS REGISTERED

Whenever you want to check if survey plan of a land within Lagos State has a record copy just click on the link below and enter the survey plan number you want to check.

It will bring out the certificate of deposit of the survey plan and you can check the status of the land on the certificate and reconfirm the name it was deposited.

https://ossgdeposit.lagosstate.gov.ng/survey/certificate/mycertificate.php?id=2472

Trust you'll find it useful

SOME FREE LEGAL TIPS TO CONSIDER WHEN BUYING LANDED PROPERTIES IN NIGERIA

1. When buying family properties, especially royal or traditional families, ensure that you are dealing with the Head of the family and at least two principal members of the family, who are adults. Anything short of this, the sale is NULL. Head of the family alone cannot sell family property and principal members of the family alone cannot sell family property. It’s even worse if you are dealing just one person claiming to be the representative of the family.

2. When buying land from a company, ensure that you get the Status Report of the company before paying. Be certain that the property is not only registered in the name of the company but also the directors are the ones signing the documents with you. Insist on getting the means of identification of the seller. If they tell you they are selling on behalf of the family, refer to number 1 above by requesting for the Deed of Power of Attorney.

3. The fact that a property has a C of O is not a conclusive proof of title. You have to be certain that the C of O was not falsified or obtained by fraud or obtained over an encumbered property. Similarly, when a property is covered by a Deed of Assignment, ensure that it is a duly registered and stamped Deed and it is verified to be unencumbered. An unregistered Deed of Assignment cannot transfer a valid legal title. Ir is not different from a Contract of a sale of Land.

4. When buying property from a Church or Mosque, ensure that it is registered in the registered name of the Church or the Mosque. Also, make sure that you are dealing with the registered Trustees because not all Imams and Pastors are Trustees of the Church and Mosques. In most cases, they are just employees and get paid monthly salaries. So they cannot sell any property to you.

5. When buying property from a couple. If possible, request for their marriage certificate and do not deal with either the husband or wife. Make sure you deal with both of them. Don’t fall for, I have my husband or wife permission to sell. Also, make sure they both sign your documents in the presence of a witness. Otherwise, the sale can easily be set aside, especially when they are going through a divorce.

6. When buying a property that’s a subject of a will. Don’t fall for “my dad or mum” willed it to me without sighting the will. Also, sighting the will is not enough, you must make sure that the will is not subject to any litigation and the Executors of the Will have issued an Assent to the beneficiary selling the property to you. Without the document called “Assent”, no beneficiary can sell any property he or she inherited to you. Also, make sure you ask for a copy of the “Probate” issued to the Executors; because that’s the only document that gives the Executors the power to issue Assent. If it’s not a will, then ensure you have a copy of the Letters of Administration. Without this, you have not acquired a property.

7. When buying a property from a Developer, the title documents are not enough. Ask for development or building permits. Ask for evidence of payment of ground rents and land use charges on the property.

For further enquiries on this write up, questions or wish to conduct land title search land related matter Please contact ☎+2348032296562, ☎+2349049045703(whatsapp only) or send e-mail at a2realmartoptions@gmail.com.

A unit of beautifully renovated 3-Bedroom flat with P.O.P ceiling, tiled floor, fitted kitchen, visitors toilet, store, enclosed with gate (ground floor) in a block of six flats at Jakande Estate, Oke-Afa, Isolo, Lagos.

Price: N20million

For further enquiries and arrangement for physical inspection, contact +2348032296562, +2349049045703

Internal and external short video available on request

FOR SALE:

A unit of beautifully renovated 3-Bedroom flat (ground floor) in a block of six flat at Jakande Estate, Oke-Afa, Isolo, Lagos.

Price: N20million

For further enquiries and arrangement for physical inspection, contact +2348032296562, +2349049045703

Internal and external short video available on request

Yes if you're the sole signatory

COLLATERAL FOR JAPA!!!

According to the dictionary, collateral is typically defined as an asset that a borrower uses to secure a loan. Collateral can take the form of a physical asset, such as a land or house or it could be a financial asset, like investments and sometime full time employment that a borrower can use to guarantee loan repayment. Lenders require collateral for certain loans to minimize their risk or loss.

Same goes for secuing visa approval to most developed countries of the world such as Canada, U.K, U..S.A and the rest. Getting visa approval to enter into those countries either for study, visit or medical is not a fluke especially at this period as applicants would need to strongly proof to the visa issuing officer evidences of home ties that would make the applicant return to his/her home country on or before the expiration of the duration granted.

Without mincing words, many visa applicants do belief that "fat" bank account statement is the only paramount document they need to secure a visa approval forgetting that visa officers are also keenly interested in documents that buttress the economic status of the applicant and home ties that could facilitate his/her return on or before visa expiration.

Though, it's good to have good financial banking status. However, strong economic home tie is the major key factor often considered by visa issuing officers most especially for non-immigrant visa applicants like visit, study, medical and so on. The visa officers are more concerned about the economic tie of an applicant to his/her home country as strong home ties that'll pull him/her back after the tenure of visit or study visa granted.

Some of the evidences of home tie are marriage certificate, employment letter, certificate of investment, child/children birth certificate, bank fixed deposit statement of account, etc.

Meanwhile, the top secret is the use of valuation report on landed property(ties) to butress the applicant's finacial status and strong tie to the homeland.

A valuation report is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either owner occupied or rented for income generation etc). So it can also be used as proof of additional source of income as the case may be.

Meanwhile, it's not enough to just submit landed property documents as most applicants do but documented evidence to show how the property(ties) will influence your return.

Though it is expected that an applicant should have a certain required amount that would cover his/her expenses during the stay, but a valuation report would "tell more" about the economic/financial status of the applicant in his/her home country that could appeal to the visa issuing officer in making a favourable decision about the applicant.

Let's take for example, a single applicant for applicant for study visa to Canada is expected to have a minimum amount equivalent to CAD36,000 (depending on the tuition fee to cover a year) and an applicant is able to meet that and also has property or properties worth equivalent of about CAD40,000 (Forty Thousand Canadian Dollars) or more, that tells more that such an applicant is doing well in his/her home country and would likely not be a liability to the visiting country. To be more practical, imagine someone that has say N30m in the bank, married with children and has property(ties) worth N35m or more. Don't be surprised such an applicant may be granted visa and someone that has say N60m on account without any proof of asset(s) or strong home tie denied. A visa officer would feel more comfortable to grant an applicant with strong home tie on the ground that he/she has investment/asset back home, wife and children that would make him/her to return after the duration granted.

So often times, money in the bank alone might not guarantee you but other support documents like your property/assets valuation report would do the magic.

No doubt you might have documents like purchase receipt, survey plan, deed of assignment or contract of sale on the property but those documents can not give the current market value of the property as land appreciate in value over time. So only valuation report will State that. Land you bought five years ago cannot be same value in the present year and possibly you've built on it.

Even for Canada Express Entry applicant, proof of fund is one of the basic requirements for permanent residence applications. Applicants need to provide to Canada Immigration & Citizenship an evidence of enough mandatory funds to support oneself and any accompanying family members when landed in Canada. This is because the government of Canada will not provide any financial support for new immigrants and therefore need to be sure the new immigrant will be able to support him/herself and his/her family members and same goes for study, either in the United Kingdom or Canada.

The amount required depends on the family size and can vary from time to time and for study visa depends on the institution. Meanwhile, at the time of putting in your application you'll need to show that you have at least the required amount. However, you can also submit a document that shows that you have asset that could be liquidated to cash if granted for your application to be processed.

Now you may be wondering what type of funds you can use and what type of proof is required. Well, there are options which we shall quickly dwell on into details:

SAVINGS: If you have savings which is equivalent or exceed the required amount, then your bank statement (not less than 3months) is a good proof of funds and if your money is split between several banks, you'll need to provide details of each to add up to the required amount or exceed if you have it.

REAL ESTATE: This is what many are not aware of that money in property is probably the most widely used proof or source of fund. It is a known fact that people sell property/ties owned in their home country before landing in canada or relocating to anywhere else and will use the proceed or equity to establish themselves after relocating and if not for permanent residence, it's a kind of high assuring factor that the applicant shall return to his/her home country upon completion of study or visit.

The immigration office appreciate the fact that you may not have sold the property at the point you're required to supply the information/proof and has made allowances for that. Therefore, all you need do is to get a firm of Certified Estate Surveyors and Valuers that is "skilled" in writting this kind of report (cos some basic information that are to be included) to value the property and give a report stating opinion of the current market value of the property , such valuation report MUST be on the firm letter head, duly stamped, sealed and signed. The immigration body can then see how much equity you have on the valuation report.

If the property is on mortgage, you'll need to submit a mortgage statement from your lender showing how much money is owned on the property, then you submit a valuation report along with it to be able to see how much equity available to you on the property. It is assumed that the property would have been sold and the money in your account before landing or relocating finally.

Meanwhile, if the property is an investment property, a rental valuation report can be submitted along with your application to proof/buttress your additional source of income. Therefore, a valuation report is not just a document but a very useful one that could facilitate your visa approval.

In view of above, you may wish to consult us to meet that basic requirement for your property valuation, do not hesitate to call +2348032296562 or +2349049045703 (Whatsapp only)

Here to serve you right and you will be glad u did!.

COLLATERAL FOR JAPA!!!

According to the dictionary, collateral is typically defined as
an asset that a borrower uses to secure a loan. Collateral can take the form of a physical asset, such as a land or house or it could be a financial asset, like investments and sometime full time employment that a borrower can use to guarantee loan repayment. Lenders require collateral for certain loans to minimize their risk or loss.

Same goes for secuing visa approval to most developed countries of the world such as Canada, U.K, U..S.A and the rest. Getting visa approval to enter into those countries either for study, visit or medical is not a fluke especially at this period as applicants would need to strongly proof to the visa issuing officer evidences of home ties that would make the applicant return to his/her home country on or before the expiration of the duration granted.

Without mincing words, many visa applicants do belief that "fat" bank account statement is the only paramount document they need to secure a visa approval forgetting that visa officers are also keenly interested in documents that buttress the economic status of the applicant and home ties that could facilitate his/her return on or before visa expiration.

Though, it's good to have good financial banking status. However, strong economic home tie is the major key factor often considered by visa issuing officers most especially for non-immigrant visa applicants like visit, study, medical and so on. The visa officers are more concerned about the economic tie of an applicant to his/her home country as strong home ties that'll pull him/her back after the tenure of visit or study visa granted.

Some of the evidences of home tie are marriage certificate, employment letter, certificate of investment, child/children birth certificate, bank fixed deposit statement of account, etc.

Meanwhile, the top secret is the use of valuation report on landed property(ties) to butress the applicant's finacial status and strong tie to the homeland.

A valuation report is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either owner occupied or rented for income generation etc). So it can also be used as proof of additional source of income as the case may be.

Meanwhile, it's not enough to just submit landed property documents as most applicants do but documented evidence to show how the property(ties) will influence your return.

Though it is expected that an applicant should have a certain required amount that would cover his/her expenses during the stay, but a valuation report would "tell more" about the economic/financial status of the applicant in his/her home country that could appeal to the visa issuing officer in making a favourable decision about the applicant.

Let's take for example, a single applicant for applicant for study visa to Canada is expected to have a minimum amount equivalent to CAD36,000 (depending on the tuition fee to cover a year) and an applicant is able to meet that and also has property or properties worth equivalent of about CAD40,000 (Forty Thousand Canadian Dollars) or more, that tells more that such an applicant is doing well in his/her home country and would likely not be a liability to the visiting country. To be more practical, imagine someone that has say N30m in the bank, married with children and has property(ties) worth N35m or more. Don't be surprised such an applicant may be granted visa and someone that has say N60m on account without any proof of asset(s) or strong home tie denied. A visa officer would feel more comfortable to grant an applicant with strong home tie on the ground that he/she has investment/asset back home, wife and children that would make him/her to return after the duration granted.

So often times, money in the bank alone might not guarantee you but other support documents like your property/assets valuation report would do the magic.

No doubt you might have documents like purchase receipt, survey plan, deed of assignment or contract of sale on the property but those documents can not give the current market value of the property as land appreciate in value over time. So only valuation report will State that. Land you bought five years ago cannot be same value in the present year and possibly you've built on it.

Even for Canada Express Entry applicant, proof of fund is one of the basic requirements for permanent residence applications. Applicants need to provide to Canada Immigration & Citizenship an evidence of enough mandatory funds to support oneself and any accompanying family members when landed in Canada. This is because the government of Canada will not provide any financial support for new immigrants and therefore need to be sure the new immigrant will be able to support him/herself and his/her family members and same goes for study, either in the United Kingdom or Canada.

The amount required depends on the family size and can vary from time to time and for study visa depends on the institution. Meanwhile, at the time of putting in your application you'll need to show that you have at least the required amount. However, you can also submit a document that shows that you have asset that could be liquidated to cash if granted for your application to be processed.

Now you may be wondering what type of funds you can use and what type of proof is required. Well, there are options which we shall quickly dwell on into details:

SAVINGS: If you have savings which is equivalent or exceed the required amount, then your bank statement (not less than 3months) is a good proof of funds and if your money is split between several banks, you'll need to provide details of each to add up to the required amount or exceed if you have it.

REAL ESTATE: This is what many are not aware of that money in property is probably the most widely used proof or source of fund. It is a known fact that people sell property/ties owned in their home country before landing in canada or relocating to anywhere else and will use the proceed or equity to establish themselves after relocating and if not for permanent residence, it's a kind of high assuring factor that the applicant shall return to his/her home country upon completion of study or visit.

The immigration office appreciate the fact that you may not have sold the property at the point you're required to supply the information/proof and has made allowances for that. Therefore, all you need do is to get a firm of Certified Estate Surveyors and Valuers that is "skilled" in writting this kind of report (cos some basic information that are to be included) to value the property and give a report stating opinion of the current market value of the property , such valuation report MUST be on the firm letter head, duly stamped, sealed and signed. The immigration body can then see how much equity you have on the valuation report.

If the property is on mortgage, you'll need to submit a mortgage statement from your lender showing how much money is owned on the property, then you submit a valuation report along with it to be able to see how much equity available to you on the property. It is assumed that the property would have been sold and the money in your account before landing or relocating finally.

Meanwhile, if the property is an investment property, a rental valuation report can be submitted along with your application to proof/buttress your additional source of income. Therefore, a valuation report is not just a document but a very useful one that could facilitate your visa approval.

In view of above, you may wish to consult us to meet that basic requirement for your property valuation, do not hesitate to call +2348032296562 or +2349049045703 (Whatsapp only)

Here to serve you right and you will be glad u did!.

COLLATERAL FOR JAPA!!!

According to the dictionary, collateral is typically defined as an asset that a borrower uses to secure a loan. Collateral can take the form of a physical asset, such as a land or house or it could be a financial asset, like investments and sometime full time employment that a borrower can use to guarantee loan repayment. Lenders require collateral for certain loans to minimize their risk or loss.

Same goes for secuing visa approval to most developed countries of the world such as Canada, U.K, U..S.A and the rest. Getting visa approval to enter into those countries either for study, visit or medical is not a fluke especially at this period as applicants would need to strongly proof to the visa issuing officer evidences of home ties that would make the applicant return to his/her home country on or before the expiration of the duration granted.

Without mincing words, many visa applicants do belief that "fat" bank account statement is the only paramount document they need to secure a visa approval forgetting that visa officers are also keenly interested in documents that buttress the economic status of the applicant and home ties that could facilitate his/her return on or before visa expiration.

Though, it's good to have good financial banking status. However, strong economic home tie is the major key factor often considered by visa issuing officers most especially for non-immigrant visa applicants like visit, study, medical and so on. The visa officers are more concerned about the economic tie of an applicant to his/her home country as strong home ties that'll pull him/her back after the tenure of visit or study visa granted.

Some of the evidences of home tie are marriage certificate, employment letter, certificate of investment, child/children birth certificate, bank fixed deposit statement of account, etc.

Meanwhile, the top secret is the use of valuation report on landed property(ties) to butress the applicant's finacial status and strong tie to the homeland.

A valuation report is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either owner occupied or rented for income generation etc). So it can also be used as proof of additional source of income as the case may be.

Meanwhile, it's not enough to just submit landed property documents as most applicants do but documented evidence to show how the property(ties) will influence your return.

Though it is expected that an applicant should have a certain required amount that would cover his/her expenses during the stay, but a valuation report would "tell more" about the economic/financial status of the applicant in his/her home country that could appeal to the visa issuing officer in making a favourable decision about the applicant.

Let's take for example, a single applicant for applicant for study visa to Canada is expected to have a minimum amount equivalent to CAD36,000 (depending on the tuition fee to cover a year) and an applicant is able to meet that and also has property or properties worth equivalent of about CAD40,000 (Forty Thousand Canadian Dollars) or more, that tells more that such an applicant is doing well in his/her home country and would likely not be a liability to the visiting country. To be more practical, imagine someone that has say N30m in the bank, married with children and has property(ties) worth N35m or more. Don't be surprised such an applicant may be granted visa and someone that has say N60m on account without any proof of asset(s) or strong home tie denied. A visa officer would feel more comfortable to grant an applicant with strong home tie on the ground that he/she has investment/asset back home, wife and children that would make him/her to return after the duration granted.

So often times, money in the bank alone might not guarantee you but other support documents like your property/assets valuation report would do the magic.

No doubt you might have documents like purchase receipt, survey plan, deed of assignment or contract of sale on the property but those documents can not give the current market value of the property as land appreciate in value over time. So only valuation report will State that. Land you bought five years ago cannot be same value in the present year and possibly you've built on it.

Even for Canada Express Entry applicant, proof of fund is one of the basic requirements for permanent residence applications. Applicants need to provide to Canada Immigration & Citizenship an evidence of enough mandatory funds to support oneself and any accompanying family members when landed in Canada. This is because the government of Canada will not provide any financial support for new immigrants and therefore need to be sure the new immigrant will be able to support him/herself and his/her family members and same goes for study, either in the United Kingdom or Canada.

The amount required depends on the family size and can vary from time to time and for study visa depends on the institution. Meanwhile, at the time of putting in your application you'll need to show that you have at least the required amount. However, you can also submit a document that shows that you have asset that could be liquidated to cash if granted for your application to be processed.

Now you may be wondering what type of funds you can use and what type of proof is required. Well, there are options which we shall quickly dwell on into details:

SAVINGS: If you have savings which is equivalent or exceed the required amount, then your bank statement (not less than 3months) is a good proof of funds and if your money is split between several banks, you'll need to provide details of each to add up to the required amount or exceed if you have it.

REAL ESTATE: This is what many are not aware of that money in property is probably the most widely used proof or source of fund. It is a known fact that people sell property/ties owned in their home country before landing in canada or relocating to anywhere else and will use the proceed or equity to establish themselves after relocating and if not for permanent residence, it's a kind of high assuring factor that the applicant shall return to his/her home country upon completion of study or visit.

The immigration office appreciate the fact that you may not have sold the property at the point you're required to supply the information/proof and has made allowances for that. Therefore, all you need do is to get a firm of Certified Estate Surveyors and Valuers that is "skilled" in writting this kind of report (cos some basic information that are to be included) to value the property and give a report stating opinion of the current market value of the property , such valuation report MUST be on the firm letter head, duly stamped, sealed and signed. The immigration body can then see how much equity you have on the valuation report.

If the property is on mortgage, you'll need to submit a mortgage statement from your lender showing how much money is owned on the property, then you submit a valuation report along with it to be able to see how much equity available to you on the property. It is assumed that the property would have been sold and the money in your account before landing or relocating finally.

Meanwhile, if the property is an investment property, a rental valuation report can be submitted along with your application to proof/buttress your additional source of income. Therefore, a valuation report is not just a document but a very useful one that could facilitate your visa approval.


Written By:
Akintayo Akinlolu

OFFICE SPACE FOR RENT AT ILUPEJU, LAGOS.

Own an office space within the prestigious "Coker Height" directly on Coker Road, Ilupeju, Lagos.

llupeju is a central area of Lagos and quite strategic, it boasts of good road networks and is quite accessible to several parts of Lagos. Ilupeju is a top choice location for prime residential apartments and commercial properties alike because of the easy accessibility to locations such as Victoria Island, (through Western Avenue using the Ikorodu Road), Lagos - Abeokuta Express, Oshodi - Apapa Expressway, Surulere, Ikeja, Yaba and so on.

lupeju has proved to be quite peaceful and welcoming; a choice destination for most expatriates working in Lagos most especially the Indians and Chinese.

Available Spaces:

Ground Floor: 250sqm per wing
2nd Floor: 275sqm (one wing available)

Rent: N75,000/sqm per annum

Service Charge: N8m per annum (excluding electricity & diesel consumption).

For further enquiry, contact +2348032296562, +2349049045703.

Hurry Now!!!

Kudos to every contributor, so much learnt too

Best regards

BASIC INFORMATION YOU NEED TO UPSCALE YOUR CHANCE OF STUDY VISA APPROVAL.

Relocating to Canada, U.S.A or United Kingdom through study is one of the best route to moving with one's family and eventually securing a Permanent Residence. Getting admission to Canada, US or UK for study is a great achievement, however, that's just the first hurdle, before you can pack your bags and move to Canada, US or UK for your study, you must get a visa.

Therefore, let's take a look at how an applicant can avoid getting a rejection on his/her study visa application. If you’re about applying for a Canadian study visa, kindly take very careful note of some common factors to watch out for when making your study visa application.

Although, most International students are eligible to apply to come to study in Canada with family members (spouses & children). These are few things to note to do this successfully. Let it be known that when you applied for admission, you did that for yourself alone, but when applying for visa, you can include your family (spouse and children) for your study visa

On that note, your visa application shall then be determined by three things:

* Purpose of study
* Proof of funds
* Home ties

These three things are the expectations for single applicants as well, but if applying as a family, you have a stronger justification to make. You will need to show additional funds to cater for the family, justify the importance of having family members with you, and have other ties to your country.

Purpose of study:

In your study plan/letter of explanation, you will need to convincingly explain the reasons you chose to study in Canada and why your spouse & children should accompany you to Canada.

Your children and wife can apply for a visitor/study permit (depending on your program of study), and spouse, a visitor/work permit (depending on what they intend to do in Canada)

NB: If you are a student going to a school/program that is not eligible for a post-graduation work permit (PGWP), your spouse is not eligible for the spousal open work permit (SOWP).

This is one of the important reasons to ensure the program you apply for is eligible for PGWP. The study plan helps you to justify the purpose of your study & the importance of having your family with you so that your spouse can work and support the family while you're are studying.

Other reasons could be anything from the fact that your children are young, or your family has never been apart before. Family unification is important to Canada, so you can leverage on that.

Proof of funds (POF)

If you intend to apply with your family, you will have to pay extra application fees & also show more POF than a single applicant. You must also show that you have sufficient funds to support yourself & the family members accompanying you without working in Canada. You are expected to show enough to cover your tuition and living expenses as the student; and the additional funds for the living expenses of those accompanying you. And the total funds you need will depend on your own family number.

To be more practical, you need to show that you have the value of living expenses for one year (Naira equivalent of approximately CAD$26,400 for you in addition to the cost of your tuition for one year).

Let’s say you wish to study for a Masters in Marketing for 2 years, and your tuition is $12,000 per year, you are expected to have the sum of $26,400 living expenses (1year) and $12,000 tuition for one year, a total of CAD$38,400. So if you have a family and you will be applying for them as well, you need to have an extra CAD$4000 for each of them for their living expenses per year.

If you are applying alone (at first), then you or your spouse needs to show enough funds for the living expenses on your family (no definite amount for this but should be sizeable depending on your family size).

Home ties

Proof of home ties, this is very crucial and an important aspect of the Canadian study visa application owing to the fact that many applicants have been denied based on insufficient proof of home ties, that simply means having sufficient fund is not enough to guarantee your visa approval. As an international student, you are a temporary resident & need to show that you have reasons to leave Canada after your study (if required to do so).

IRCC wants to see evidence of your home ties. Many applicants find it easier to use their family members as part of their home ties. But in the case you're applying with your family, it means you must be ready to show other ties.

It could be your business, investments, employment, financial assets and most importantly landed properties (which are mostly preferred cos they hardly depreciate in value but appreciate more over time).

Therefore, you must know what the visa officers want to see and craft your application to satisfy them. Submitting a valuation report of your landed assets (land & building) along with other required documents for visa application could actually boost your chance of visa approval.

Either for visit, study, medical or other temporary or permanent residency visa applications, it is strongly advisable for applicants to provide a valuation report of their property(ties) in order to assist and convince visa officer about their economic/financial status in their home country and also as proof of strong home tie to pull the applicant to return on expiration of period granted.

Property Valuation report could make a visa officer develop good mental picture of who the applicant is, it just like what CV is to a job recruiter. An employer can develop an idea who a job seeker is through the CV to decide if the job seeker should be considered or not. A valuation report describe in detail the property(ies) owned by the visa applicant and the corresponding value of such a property either a house undeveloped land, agricultural farmlands etc which undoubtedly could be a strong proof of the applicant tie to the home country that can pull him/her back after his/her study.

This document shows the amount of wealth you own in property(ties) in your homeland which will make a strong pull factor for your return to your homeland once the purpose of your visit is over and that may eliminate doubt of your return and one point of visa rejection.

Also, it could serve as a support document to your proof of fund which are usually liquid assets such as bank deposit etc. It will make lots of senses if you have good financial status as confirmed by your bank statement of account and property or assets valuation report to corroborate your status.

Though, there are many who do not submit this document due to ignorance or it doesn't matter mind set but it would be wise to do it by a smart applicant especially if its a non apprearance visa application or the one you first submit your application for assesment prior to physical interview.

It is important to prove that your housing assets is valuable as a strong home tie for returning after your study abroad or temporary visit and back up for proof of fund especially Canada Express Entry applicants and schooling.

The report would be a guide to the visa officer to establish the affordability of expenses of visit, stay, study and that the applicant have assets that can be liquidated to raise funds if the need arises.

In view of above, you may wish to consult us for engagement in providing you with this service of property valuation to meet your immigration purpose or whatsoever, our expertise team of Registered Estate Surveyors & Valuers with indepth knowledge of valuation will do justice to that to achieve your maximum satisfaction with utmost professionalism.

For any further inquiries, do not hesitate to contact +2349049045703 (Whatsapp only) or +2348032296562.

Here to serve you right...you will be glad u did!.

Thank you

Note: Once you present your application well and provide the required documents in the 3 areas of consideration, your application is good to go