₦airaland Forum

Akdams:
NHF Home Ownership Scheme

This scheme is powered by the National Housing Fund and administered by the Federal Mortgage Bank of Nigeria [FMBN] through a Primary Mortgage Institution. The aim is to provide affordable housing to the teething number of Nigerian workers who would otherwise not have access to mortgage finance at such affordable rate and long, convenient tenor such as the one offered through this scheme . The loans are specifically meant for the participating members of the scheme who contribute to the National Housing Fund (NHF). That is, anyone who is a regular contributor and has contributed for a minimum period of 6 [six] months is eligible to apply for the loan. The contribution is usually deducted at salary source by the human resources of the organizations where the applicant works. And, the NHF act of 1992 makes this makes this contribution compulsory, while offering the contributors the opportunity to enjoy the numerous benefits of the scheme

The general qualifying criteria for all applicants is as follows:

1. applicants must be above 18 years of age
2. applicant must be a contributor to the National Housing Fund for a minimum of 6 [six months]
3. the applicant contributes only 2.5% of his/her monthly basic salary or pay to the fund.
4. Applicant must have satisfactory evidence of regular flow of income to guarantee loan repayment.
5. The loan shall be for the purpose of building, purchasing, or renovating a residential accommodation.
6. The loan shall not be used to refinance any residential property.
7. Applications must be made through a Mortgage Loan Originator, [MLO] and not directly to Federal Mortgage Bank of Nigeria [FMBN]
8. Applicants forms for NHF loans are obtainable from Refuge Homes Savings & Loans
9. the property for which loan is sought to finance shall serve as security for the loan
10. the property must have a valid title document [C of O]
11. the property shall conform to the existing planning laws and regulations [approved building plan]
12. the property shall possess sufficient value to recover the loan
13. the property shall be insured against all hazards
14. the loan shall be secured by first party legal mortgage on the property between the applicant and PMB and assigned to FMBN.
15. Each applicant shall be entitled to a maximum loan amount of N15,000,000.00 [Fifteen Million Naira Only] or as determined by the bank
16. no individual shall be given a loan in excess of 90% of the cost or value of the property to be mortgaged.
17. the loan amount an applicant is eligible for is calculated on the basis that he/she does not utilize more than one-third [1/3] of gross monthly pay to service the loan.

18. Equity contribution shall be as below:

Loan Amount N Equity Contribution Amount N
10.1M -15M 30% 3,030,000 - 4,500,000
5.1M -10M 20% 1,020,000 - 2,000,000
1M - 5M 10% 100,000 - 500,000




19. Interest rate shall be as prescribed by the National Housing Fund Act which is not more than 6% per annum, and shall be fixed throughout tenor.
18. the maximum repayment period shall be 30 years [but shall not exceed the
applicant’s 60th year.
19. the individual borrower shall make repayment through the mortgage loan
Originator.

fr3do:
Which vpn u dey use and with what app u dey stream with?

ifeteminikan:
Am into sales of Quality overstock clothings from USA. Below are the pictures of some available items with Tag. This are made for the USA market hence you can be rest assured of the Quality.

They are available in retails and Wholesale, Wholesale prices are available per dozens of different amazing sizes between 400NGN to 1000NGN.

We have Jeans trousers, Polo shirts, Shorts, Golf Shorts, Ladies Tops, Tight etc.

You wont believe it till you see it.

Youngzedd:
I have a business deal for you if you belong to the above category.


Kindly drop your email address for full details.

amaechionuh:
Please I need just 100,000 naira loan to bay back in 3 weeks, I am going into importation business but my start up capital isn't enough to bring the goods. Send me the details on get2mmeche@yahoo.com

beeevan:
Thank you! If virgins and LovePeddler*s are crying about distressed marriages alike, what's the big catch? She should have waited for at least 5yrs before giving us the tutorial.


Preserving the maiden hood shouldn't be about men, it should about you and how you want it so you don't get disappointed when he doesn't treat you like some pricey jewel.

adewale2011: Hello Readers.
Am doing free logo for First Fifteen clients to post their request here, am using this logos to update my portfolio so please be serious and specific

Please make available the following
1. Company or Business Name
2. Colour to be used if you have any in mind (Three Colour at most)
3. Specify if you want the logo to be in form of Text, Symbol or both
4. Slogan or Motto
5. RC Number if Available
6. scarch the logo manually, snap and post for more clerification if possible
7. Any additional information, please indicate.

Thanks
Hammed Adewale
for: Ditto Graphix

DailyNews: This is indeed a great idea...kudos to whoever brought up the idea because I had been clamouring for this...I even suggested a nairaland investor group, which I suggested to Seun but a member discouraged it...kudos to the initiators once again...

Now, as someone with much experience in haulage/transport/logistics business in Nigeria, I think I can be of help to you guys in certain areas.

First, if you guys want to be hauling for Total Oil here in Lagos, I can help you guys to get through. And remember, if you guys want to be hauling for total oil, you need a sound tractor or truck head as laymen call it. And a tanker back...

You must be ready to abide strictly by total speed limit, else, your truck will be banned and u won't be lifting for them again cos they are very conscious of safety and life.

Remember, most Nigerian truck drivers love overspeeding, so you guys would need a special device which I can provide for you through my nigeria/uk partner company...and you will also need tracking installed on your trucks and networked with total database for monitoring. If your drivers tamper the tracking, they won't be allowed to load any day they did...

My company also deal on tyre...and if you guys wants to start Lagos cosmopolitan transport service known as BRT and u can secure the license, I can also help u to get TATA coach, the type used by BRT on lease agreement or what we know as hire purchase agreement.

Hit me up if you have interest in any of the things I said above.

Once again, kudos to you guys, I love this so very much. Wish you guys the best of success and breakthrough.

DailyNews: This is indeed a great idea...kudos to whoever brought up the idea because I had been clamouring for this...I even suggested a nairaland investor group, which I suggested to Seun but a member discouraged it...kudos to the initiators once again...

Now, as someone with much experience in haulage/transport/logistics business in Nigeria, I think I can be of help to you guys in certain areas.

First, if you guys want to be hauling for Total Oil here in Lagos, I can help you guys to get through. And remember, if you guys want to be hauling for total oil, you need a sound tractor or truck head as laymen call it. And a tanker back...

You must be ready to abide strictly by total speed limit, else, your truck will be banned and u won't be lifting for them again cos they are very conscious of safety and life.

Remember, most Nigerian truck drivers love overspeeding, so you guys would need a special device which I can provide for you through my nigeria/uk partner company...and you will also need tracking installed on your trucks and networked with total database for monitoring. If your drivers tamper the tracking, they won't be allowed to load any day they did...

My company also deal on tyre...and if you guys wants to start Lagos cosmopolitan transport service known as BRT and u can secure the license, I can also help u to get TATA coach, the type used by BRT on lease agreement or what we know as hire purchase agreement.

Hit me up if you have interest in any of the things I said above.

Once again, kudos to you guys, I love this so very much. Wish you guys the best of success and breakthrough.

internetbi: BITTER KOLA PROCESSING AND EXPORT
INTRODUCTION
BITTER KOLA AND OTHER HERBS FOR EXPORT
You can start this business in your room to export bitter kola and other natural herbs. Like for example in India. There are many natural

herbs companies there that are in need of differents herbs, and you can search for the ones that you can get here in Nigeria and export it to them there and get paid in hard
currencies.

Is this biz still active
Some of this natural herbs company in abroad can buy bitter kola, Aloe Vera plant or gel, hibiscus flower, ginger, garlic and others.

This is a great business you can do without leaving your current Job, you can place your advert on the net and also contact the addresses of this natural herbs companies.

If you can get only one or two companies to supply any of this product you are rich.
EXPORT ORDER
As I have ealier said, you can export Aloe Vera gel, some are in need of the plant. You can export ginger & garlic. I am going to give you where you can advertise on the net free or pay little.

Then you can also contact your buyers on how you will be paid and the kind of export service. You can use post office if that will be safer and faster to deliver the goods ,But there are many companies you can use, it is also place in this manual to guild you & note ; you can start this export with little. You can start with 50 kilo.

Addresses Of BuyersYou can get more than 200 natural herbs companies: http://www.dir.indiamart.com/indiaimporters/pure-herbs.html
INTRODUCTION

Bitter kola is an English name but belong to the family name Chisiacease or Guttiferae. It is from the species called garcinia kola but by product it is fruit.SOURCE; Bitter kola are found in the Eastern and Southern part of Nigeria.

For instance, it is found in most popular market in Lagos. And research indicated that market women often get them cheaper from the bush, market namely LUSADA MARKET and other areas.

The prospective export can look for best place.
USES; For clarity, we shall use the English name throughout this .e-manual.

Bitter kola as it is called by English is use extensively as introduce raw materials in breweries but especially used in medicine as stimulant .these, there is a popular demand both locally and internationally. For instance, locally it is used to cure cough and clears throat.

PROCESSING;
Since our major focus here is the export market, it is necessary to consider the process involved in other to make it adequately export market requirement.

The major process is the drying to reduce the moisture content to at least 1%. This means, it must be properly dried in such a way that the Color and the tastes is not adversely affected.

There are two major methods of drying [1] sun-drying and [2] drying by machine. Sun drying is more to the quantity and the time frame.

The major purpose of drying as mention earlier is to reduce the moisture content.

It therefore follows that, if packed before drying, the over all weight will be affected, humility and other natural factors during transit. In other to make sure the product is in good condition before getting to the buyer, it must be dried to a reasonable extent.

It is important to note that there is no standard packaging method for bitter kola or any other export product for that matter.

The reason being, it is only the prospective importer that can specify the packaging method approved for a particular product in their country exporters, must seek the consent of their buyer before packaging.

As a matter of fact, the packaging requirement will be cleanly stated in the contract order which must be strictly adhered to.


PRICING: US $$$$$$$$$$$$
While it may be acknowledged that there is an approved international price of all exportable commodities, and the importer to agree on a price that will serve their interesting.

For now, the generally acceptable price for bitter kola per kg is USD10-17/ PER KG, the local price of the equivalent is within the range of N300.00 to 800.00 depending on the point of purchase. As it follow that the cheaper it is locally the profit at the export market.

QUALITY CONTROL
Maintaining a good quality control is a pre-requisite for a successful exporting business. This implies that product must be free of foreign matters such as stone, dirt, paper nylon etc.

these will not only add unnecessary to the weight but will contaminate the product especially while it used for medical and food purposes.

EXPORT ORDER;
Before any prospective export starts to source for the product, it is important to first seek for a genuine or what is called film export order.

This order specifies the seek the name of the product, agree price, packaging method, terms of payment and delivery and other such terms as many be relevant.

To get an order however is the responsibility of the exporter. In this e-manual two contact addresses of possible buyers were included; and provision are made for product advert placement on the internet and both local and foreign bodies including web site where individual can source for the contact of buyers.

note: if you design your personal website, you will make more money in it.
ROLES OF INTERNET IN INTERNATIONAL BUSINESSAt this stage, I feel delighted to mention that the of roles of Internet especially in international business cannot be over emphasized.

[1] It is the safest, faster and the cheapest means of communication.
[2] It gives a better image and recognition to your business hence people take you more serious.
[3] You can freely source for contact of interesting buyers of your product.
[4] Product can also be advertised to the whole world at a peanut if not free.
Considering the above therefore, the prospective exporter must have a valid and functional e-mail address and must know how to access it on the net, sending and receiving mails etc.

here are the websites where you can advertise free.USEFUL WEB SITE;
{1} www.signonafrica.com
{2} www.usgtn.net
{3} www.koreatradeworld.com
{4} www.exporters.com
{5} www.india-mart.com
{6} www.tradeturkey.com

CONTACT ADDRESSES OF POSSIBLE BUYERS

{1} Amitco international
Office Address: 110 pennsy, NJO7503
Web site: www. Amitco.com
sales@amitco.com
Tel:{973}977-8192
Fax{973}977-2014
Contact person katerina mallios

Uno International Enterprise 10 Anson Road #16-16 International Plaza Singapore 079903
Tel: +65 - 6275 8520 Fax: +65 - 6275 7557 Email: info@uie.com.sg






{2} Uno international Enterprise
International plaza,
10,Anson Road # 16-16{Utn 6031}
Singapore
Post code =079903
Tel: 65-00-62758520
Fax: 65-00-6275-7557


HERE IS THE SITE WHERE YOU CAN GET MORE THAN 200 COMPANIES THAT BUY NATURAL HERBS:
http://dir.indiamart.com/indianimporters/pure-herbs.html

internetbi: BITTER KOLA PROCESSING AND EXPORT
INTRODUCTION
BITTER KOLA AND OTHER HERBS FOR EXPORT
You can start this business in your room to export bitter kola and other natural herbs. Like for example in India. There are many natural

herbs companies there that are in need of differents herbs, and you can search for the ones that you can get here in Nigeria and export it to them there and get paid in hard
currencies.

Is this biz still active
Some of this natural herbs company in abroad can buy bitter kola, Aloe Vera plant or gel, hibiscus flower, ginger, garlic and others.

This is a great business you can do without leaving your current Job, you can place your advert on the net and also contact the addresses of this natural herbs companies.

If you can get only one or two companies to supply any of this product you are rich.
EXPORT ORDER
As I have ealier said, you can export Aloe Vera gel, some are in need of the plant. You can export ginger & garlic. I am going to give you where you can advertise on the net free or pay little.

Then you can also contact your buyers on how you will be paid and the kind of export service. You can use post office if that will be safer and faster to deliver the goods ,But there are many companies you can use, it is also place in this manual to guild you & note ; you can start this export with little. You can start with 50 kilo.

Addresses Of BuyersYou can get more than 200 natural herbs companies: http://www.dir.indiamart.com/indiaimporters/pure-herbs.html
INTRODUCTION

Bitter kola is an English name but belong to the family name Chisiacease or Guttiferae. It is from the species called garcinia kola but by product it is fruit.SOURCE; Bitter kola are found in the Eastern and Southern part of Nigeria.

For instance, it is found in most popular market in Lagos. And research indicated that market women often get them cheaper from the bush, market namely LUSADA MARKET and other areas.

The prospective export can look for best place.
USES; For clarity, we shall use the English name throughout this .e-manual.

Bitter kola as it is called by English is use extensively as introduce raw materials in breweries but especially used in medicine as stimulant .these, there is a popular demand both locally and internationally. For instance, locally it is used to cure cough and clears throat.

PROCESSING;
Since our major focus here is the export market, it is necessary to consider the process involved in other to make it adequately export market requirement.

The major process is the drying to reduce the moisture content to at least 1%. This means, it must be properly dried in such a way that the Color and the tastes is not adversely affected.

There are two major methods of drying [1] sun-drying and [2] drying by machine. Sun drying is more to the quantity and the time frame.

The major purpose of drying as mention earlier is to reduce the moisture content.

It therefore follows that, if packed before drying, the over all weight will be affected, humility and other natural factors during transit. In other to make sure the product is in good condition before getting to the buyer, it must be dried to a reasonable extent.

It is important to note that there is no standard packaging method for bitter kola or any other export product for that matter.

The reason being, it is only the prospective importer that can specify the packaging method approved for a particular product in their country exporters, must seek the consent of their buyer before packaging.

As a matter of fact, the packaging requirement will be cleanly stated in the contract order which must be strictly adhered to.


PRICING: US $$$$$$$$$$$$
While it may be acknowledged that there is an approved international price of all exportable commodities, and the importer to agree on a price that will serve their interesting.

For now, the generally acceptable price for bitter kola per kg is USD10-17/ PER KG, the local price of the equivalent is within the range of N300.00 to 800.00 depending on the point of purchase. As it follow that the cheaper it is locally the profit at the export market.

QUALITY CONTROL
Maintaining a good quality control is a pre-requisite for a successful exporting business. This implies that product must be free of foreign matters such as stone, dirt, paper nylon etc.

these will not only add unnecessary to the weight but will contaminate the product especially while it used for medical and food purposes.

EXPORT ORDER;
Before any prospective export starts to source for the product, it is important to first seek for a genuine or what is called film export order.

This order specifies the seek the name of the product, agree price, packaging method, terms of payment and delivery and other such terms as many be relevant.

To get an order however is the responsibility of the exporter. In this e-manual two contact addresses of possible buyers were included; and provision are made for product advert placement on the internet and both local and foreign bodies including web site where individual can source for the contact of buyers.

note: if you design your personal website, you will make more money in it.
ROLES OF INTERNET IN INTERNATIONAL BUSINESSAt this stage, I feel delighted to mention that the of roles of Internet especially in international business cannot be over emphasized.

[1] It is the safest, faster and the cheapest means of communication.
[2] It gives a better image and recognition to your business hence people take you more serious.
[3] You can freely source for contact of interesting buyers of your product.
[4] Product can also be advertised to the whole world at a peanut if not free.
Considering the above therefore, the prospective exporter must have a valid and functional e-mail address and must know how to access it on the net, sending and receiving mails etc.

here are the websites where you can advertise free.USEFUL WEB SITE;
{1} www.signonafrica.com
{2} www.usgtn.net
{3} www.koreatradeworld.com
{4} www.exporters.com
{5} www.india-mart.com
{6} www.tradeturkey.com

CONTACT ADDRESSES OF POSSIBLE BUYERS

{1} Amitco international
Office Address: 110 pennsy, NJO7503
Web site: www. Amitco.com
sales@amitco.com
Tel:{973}977-8192
Fax{973}977-2014
Contact person katerina mallios

Uno International Enterprise 10 Anson Road #16-16 International Plaza Singapore 079903
Tel: +65 - 6275 8520 Fax: +65 - 6275 7557 Email: info@uie.com.sg






{2} Uno international Enterprise
International plaza,
10,Anson Road # 16-16{Utn 6031}
Singapore
Post code =079903
Tel: 65-00-62758520
Fax: 65-00-6275-7557


HERE IS THE SITE WHERE YOU CAN GET MORE THAN 200 COMPANIES THAT BUY NATURAL HERBS:
http://dir.indiamart.com/indianimporters/pure-herbs.html

PretiEbony: Yea.....Its another year and God has just added another year to my life. Hap Birthday to me...