Saturday 27 February 2010

Be a Homeowner at Sango Otta, Ogun State, Nigeria. 6% NHF Mortgage!

Hi Friend,

Do You Want To Own Your Home Under 6% NHF Mortgage? Also, please send this note to all your friends and families looking for an opportunity like this.

LOCATION: Sango Otta, Ogun State

TYPE OF PROPERTY: 3 Bedroom Semi Detached Bungalow

PRICE: N8 Million Naira (Eight Million Naira)

PROPERTY FACILITIES:

Guest toilet
All Rooms En-suite
Master Bedroom has En-suite
Bedroom 1
Bedroom 2
Bedroom 3
Kitchen
Store
Lounge
Dining Area


FACILITIES ON THE ESTATE:

Perimeter Fencing
Borehole
Dedicated Transformer
Well Paved Estate Road
Drainage
Central Estate Security


TYPES OF PAYMENT PLANS

a) NHF MORTGAGE AVAILABLE: Yes

% MORTGAGE AVAILABLE: N3.6 Million (Three Million Six Hundred Thousand Naira)
% DEPOSIT REQUIRED: N4.4 Million (Four Million Four Hundred Thousand Naira)

MORTGAGE INTEREST RATE: 6%

HOW LONG DO YOU HAVE TO PAY MORTGAGE FOR: 30 years


b) OUTRIGHT PURCHASE: Yes


NO OF UNITS AVAILABLE: 4


WHEN DO YOU GET YOUR KEYS TO YOUR PROPERTY: 3 months after payment

HOW MANY PROPERTIES IN THE ESTATE: 12

CAN YOU FENCE YOUR PROPERTY?: No.


FEES

Management Fee 1%
Processing Fee 1%
Legal Fee 1%
Agency Fee 5% of Property Value
Application Form N10,000
Adorn Homes Application Form N10,000

MORTGAGE FEES

Perfection Fee
Mortgage Protection Insurance
Fire Insurance
Infrastructural Development Cost

My office details are below, if you need any further assistance.


I am a UK Mortgage Broker and a Real Estate Agent.

Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway
Ajah
Lagos State


Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302

Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design

Buy and Own A Shop at Oshodi, Lagos, Nigeria. From N1.1M! 40% Mortgage Opportunity!

LOCATION: Close to Oshodi Market, Lagos State

1. TYPE OF SHOP: Lock Up

PRICE: N 1.3 Million Naira (One Million Three Hundred Thousand Naira) – Upstairs Shop
PRICE: N 1.5 Million Naira (One Million Five Hundred Thousand Naira) – Downstairs Shop

2. TYPE OF SHOP: Lock up with Shared toilet

PRICE: N 1.1 Million Naira (One Million One Hundred Thousand Naira) – Upstairs at the back

FACILITIES IN THE MARKET:

Borehole
Drainage


TYPES OF PAYMENT PLANS

a) MORTGAGE AVAILABLE: Yes

% MORTGAGE AVAILABLE: 40% -
% DEPOSIT REQUIRED: 60% -

MORTGAGE INTEREST RATE: 15%

HOW LONG DO YOU HAVE TO PAY MORTGAGE FOR: 48 months


b) OUTRIGHT PURCHASE: Yes

NO OF UNITS AVAILABLE: 40

WHEN DO YOU GET YOUR KEYS TO YOUR SHOP: Immediately after payment

FEES

Management Fee 1%
Processing Fee 1%
Legal Fee 1%
Agency Fee 5%
Application Form N10,000
Adorn Homes Application Form N10,000

MORTGAGE FEES

Perfection Fee
Mortgage Protection Insurance
Fire Insurance
Infrastructural Development Cost


My office details are below, if you need any further assistance.


I am a UK Mortgage Broker and a Real Estate Agent.

Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway,
Ajah
Lagos State


Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302

Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design

FOR SALE - 3 Bed Flat N13M at Ikeja, Lagos! 40% Mortgage. 15% Int Rate

LOCATION: Ikeja, Lagos State

TYPE OF PROPERTY: 3 Bedroom Flat

PRICE: N13 Million (Thirteen Million Naira)

PROPERTY FACILITIES:

Guest toilet
All Rooms En-suite
Master Bedroom has En-suite
Bedroom 1
Bedroom 2
Bedroom 3
Kitchen
Store
Lounge
Dining Area

ATTRACTIONS CLOSE TO THE ESTATE:

Muritala International Airport


FACILITIES ON THE ESTATE:

Perimeter Fencing
Borehole
Well Paved Estate Road
Drainage
Central Estate Security


TYPES OF PAYMENT PLANS

a) MORTGAGE AVAILABLE: Yes

% MORTGAGE AVAILABLE: 40% - N5.2Million
% DEPOSIT REQUIRED: 60% - N7.8Million

MORTGAGE INTEREST RATE: 15%

HOW LONG DO YOU HAVE TO PAY MORTGAGE FOR: 48 months

REDUCING BALANCE MORTGAGE:

b) OUTRIGHT PURCHASE: Yes

HOW MANY % DISCOUNT FOR PAYING OUTRIGHT?: 3%

c) INSTALMENTAL PAYMENTS

40% = N5.2 Million (first payment due in the next 2 months),
30% = N3.9Million (second payment due in the next 4 months),
30% = N3.9Million (third payment due in the next 6 months).

HOW LONG DO I HAVE TO PAY THE INSTALMENTS? 6 months

NO OF UNITS AVAILABLE: 50

NATIONAL HOUSING FUND MORTGAGE: No


WHEN DO YOU GET YOUR KEYS TO YOUR PROPERTY: 6 months after payment

HOW MANY FLATS IN A BLOCK: 4

CAN YOU FENCE YOUR PROPERTY?: No

ARE PEOPLE LIVING IN THE ESTATE? Yes

FEES

Management Fee 1%
Processing Fee 1%
Legal Fee 1%
Agency Fee 5%
Application Form N10,000
Adorn Homes Application Form N10,000

MORTGAGE FEES

Perfection Fee
Mortgage Protection Insurance
Fire Insurance
Infrastructural Development Cost

My office details are below, if you need any further assistance.


I am a UK Mortgage Broker and a Real Estate Agent.

Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway
Ajah
Lagos State


Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302

Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design

FOR SALE - 2 Bed Flat N9M. Mortgage - 12 Months Interest Free!

Hi Friend,


LOCATION: Arepo, after Ikeja Tollgate, Lagos State

TYPE OF PROPERTY: 2Bedroom Flat

PRICE: N 9Million Naira (Nine Million Naira)

TYPE OF PROPERTY: 4 Bedroom Flat

PRICE: N 13.5 Million Naira (Thirteen Million Five Hundred Thousand Naira)

FACILITIES:

Guest toilet
Bedroom 1 - ensuite
Bedroom 2 - ensuite
Hallway
Kitchen
Store
Lounge
Dining Area

FACILITIES ON THE ESTATE:

Perimeter Fencing, Borehole, Overhead Tank, Dedicated Transformer, Well Paved Estate Road, Drainage, Central Estate Security

ATTRACTIONS CLOSE TO THE ESTATE:

10 mins to Lagos State Secretariat

TYPES OF PAYMENT PLANS

a) MORTGAGE AVAILABLE: No

b) OUTRIGHT PURCHASE: Yes

c) INSTALMENTAL PAYMENTS: 12 months

NO OF UNITS AVAILABLE: 4

WHEN DO YOU GET YOUR KEYS TO YOUR PROPERTY: 4 - 6 months after payment

HOW MANY FLATS IN A BLOCK: 6

FEES

Management Fee 1%
Processing Fee 1%
Legal Fee 1%
Agency Fee 5%
Application Form N10,000
Adorn Homes Application Form N10,000


My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent.

Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway
Ajah
Lagos State


Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302

Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design

Friday 26 February 2010

Be A Shop Owner in Ibadan! For Sale - from N2.5M! 50% Mortgage Available!

I am a UK Mortgage Broker and a Real Estate Agent.

Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway
Ajah
Lagos State


Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302

Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design

FOR SALE - Buy 4 Bed Duplex & BQ. N35M! 50% Mortgage. Ibadan, Nigeria

Hi Friend,

You can own your own home under mortgage. Stop wasting money and paying rent to your landlord.

LOCATION: Kongi, Bodija, Ibadan, Oyo State

TYPE OF PROPERTY: 4 Bedroom Semi-Detached Duplex with Boys Quarters

PRICE: N 35 Million (Thirty Five Million Naira)

FACILITIES:

Guest toilet
All Rooms En-suite
Master Bedroom has En-suite
Bedroom 1
Bedroom 2
Bedroom 3
Bedroom 4
Kitchen
Store
Lounge
Dining Area
Veranda
Boys Quarters

FACILITIES ON THE ESTATE:

Private Gate
Perimeter Fencing
Borehole
Overhead Tank
Dedicated Transformer
Well Paved flooring
Drainage
Central Estate Security
Shower cubicle in all rooms


ATTRACTIONS CLOSE TO THE ESTATE:

Kongi is like Ikoyi of Lagos State


TYPES OF PAYMENT PLANS

a) MORTGAGE AVAILABLE: Yes

% MORTGAGE AVAILABLE: 50% - N17.5Million
% DEPOSIT REQUIRED: 50% - N17.5Million

MORTGAGE INTEREST RATE: 15%

HOW LONG DO YOU HAVE TO PAY MORTGAGE FOR: 48 months

REDUCING BALANCE MORTGAGE

b) OUTRIGHT PURCHASE: Yes

HOW MANY % DISCOUNT FOR PAYING OUTRIGHT?: 2%


NO OF UNITS AVAILABLE: 4

NATIONAL HOUSING FUND MORTGAGE: No


WHEN DO YOU GET YOUR KEYS TO YOUR PROPERTY: by April 2010


CAN YOU FENCE YOUR PROPERTY?: Already fenced.

ARE PEOPLE LIVING IN THE ESTATE? No

FEES

Management Fee 1%
Processing Fee 2%
Agency Fee 5%
Legal Fees 0.5%
Application Form N20,000
Adorn Homes Application Form N10,000

MORTGAGE FEES

Perfection Fee
Mortgage Protection Insurance
Fire Insurance
Infrastructural Development Cost


My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent.

Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302

Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design

Tuesday 9 February 2010

Why do you need a Business or Corporate Profile in lagos nigeria

Why do you need a Business or Corporate Profile?


Hi Friend,

In order to succeed in Lagos, you need to write a business or corporate profile.

The information in your business profile is very important for your business. This profile opens doors for you in big companies.

People take you seriously and want to do business with you if you have a business profile.

Big time consultants charge over 150,000 naira to do a business profile for someone.

But, I will only charge you 15,000 naira to have a copy of my business profile. You can amend and adapt to suit your business need.

Thank you for your time.

I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!

My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.

Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302

Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy

Prices for printing your office stationery in Lekki Lagos

Prices for printing your office stationery in Lagos Nigeria



Hi Friend,

If you own a business, you need to have office stationeries.

The prices are as follows:

500 Letterhead 8,000 Naira
500 Flyers 6,000 Naira
500 Business cards 5,000 Naira
500 Receipt Books 4,000 Naira
Banner 2,500 Naira
Business Seal 6,000 Naira
Stamp 1,200 Naira

I can recommend my printer. Please email me at adornhomes@gmail.com for his details.

Thank you for your time.

I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!

My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.

Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302

Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy

Go to computer village ikeja for all your computer parts and buys in Lagos Nigeria

Go to Computer Village Ikeja for all your computer parts and buys



Hi Friend,

A lot of people use their laptops and computers on a daily basis for their business needs. It is inevitable that, these hardware will develop faults.

Go to the computer village at Ikeja for all your computer parts. Also, you can buy hardware and software there. Beware of scammers who will sell you fakes.

I can recommend a computer engineer at Sangotedo.

Please email me at adornhomes@gmail.com for his details.

Thank you for your time.

I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!

My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.

Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302

Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy

Why do you need an office in Lagos Island Nigeria

Why do you need an office in Lagos?




Hi Friend,


If you are providing a service in the UK or US, you can work from home. It is acceptable as their culture.

In Nigeria, working from home is not very acceptable. You will limit yourself to the amount of money you can earn.

For the local drink or bread seller, they can work from home in Lagos.

But, if you are a professional, you need to have an office.

Not anywhere. But, in a clean and neat environment.

Location is paramount or important in Lagos.

Some middle class clients will NOT go to some parts of Lagos to do business.

The office has to be in a shopping complex.

You have to have an air-conditioner in your office or a ceiling fan.

I am going to my office is a “social statement” in Lagos.

So, if you want to transact and make some cool naira in Lagos, start looking for that office. I am a Real Estate Agent and I can help you find an office in Lagos.

Thank you for your time.

I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!

My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.

Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302

Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy

Do not tell anybody about your business ideas in Lekki Lagos Nigeria

Do not tell anybody your business ideas.



Hi Friend,



You may think it is common sense but, Nigerians in Nigeria are NOT the same as Nigerians in Diaspora.

They will copy your business ideas and present it as their own.

When applying to a company for a contract and it involves you providing a service, give them a TIP OF THE ICEBERG. I mean, just a taster. As a matter of fact, a taster is even too much for my people in Nigeria. Just give the name of the service without explaining. Nigerians don’t want to pay.


Keep all your ideas to yourself.


Thank you for your time.

I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!

My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.

Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302

Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy * Audio-books * Interior Design
Business Stationeries must have your CAC registration no



Hi Friend,

In Lagos, you need to have business or office stationeries and they need to have your Corporate Affairs Commission no.

Business stationeries include:

Letterhead
Business card
Flyer
Banners
Invoice book
Receipt book
Business seal
Sign board
Signs


Your CAC No is the number given to you that, you are registered as a limited liability company.

Watch out! All the big companies use them too!



Thank you for your time.

I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!

My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.

Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302

Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy * Audio-books * Interior Design

Why do you need a Business Seal in Ajah Lagos Nigeria

Why do you need a Business Seal?


A Business Seal seals a document and makes it a legal document.

You can seal Deed of Assignments, Tenancy Agreement, Purchase Receipt or any document that, you wish.

You will not be taken seriously by big companies if you don’t have a business seal.

It can be metal.

It states your company name and you can have your company logo in the centre.

It costs 5,000 Naira.



Thank you for your time.

I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!

My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and an Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.

Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302

Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy

Rules when going to the market in Lekki Lagos Island Nigeria

Rules when going to the market in Lagos Nigeria

Hi Friend,

You are now in Nigeria and everyone on the street on Lagos seem to recognise that, this person is “se se de” or “journey just come” or “ara ilu oyingbo”. They terms mean, someone who has just returned from abroad or diaspora.

But, you keep saying to yourself, how do they know?

Your looks.
Your skin.
Your clothes.
Your English.
You are asking too many questions because you don’t have a clue.

They know. So, they will rip you off and overcharge you at the market.

Even if you send your small cousin, niece or house help or driver to the market for you, they will rip you off too. It is the Nigerian way of life. You just have to get used to it.

Rule 1 – Be willing to invest at least 1 month of your time and know the prices in Lagos. In this one month, take your notepad, pen and go to every market that, you can think of. Eg yaba, Ojuelegba, Oshodi, Mile 12, your local markets, etc.

You are not buying anything, you are doing an extensive research. Write the prices in your notepad.

For instance, go to 4 sellers and price the same thing.

Rule 2 - Remember to haggle, or “price it” or “na oja” or “price the market”.

Rule 3 - When at the market, speak in Yoruba or Pidgin English. Don’t speak, proper English. They will charge three times the price.

For instance, you say, “How much is Expression Hair?”

The seller will look at you from head to toe and quickly figure out how much she will charge you.

Seller replies, “500 Naira”.

You say, “Haba, na wetin, 250 Naira”.

Seller replies, “350 Naira”.

You insist on “250 Naira”.

Wait for her reply.

If she says, 300 Naira.

You still insist 250 Naira.

Again, wait for her reply. If she wants to sell, she will say come and take it.

Walk away. (This is a common tactic that works in the market)

She will call you back and say, come and pay.


Rule 4 - In Lagos, if you are in the market and you want to buy anything, whatever price they call it, cut it into half.

Rule 5 - Dress down when going to the market. Wear jeans or Ankara and no jewelry.

If you go out with a relative or friend who lives in Nigeria. Don’t speak while they are haggling. Just look and pretend that, what you are buying is not yours.

You will save yourself some cool Naira by following these rules.

Thank you for your time.

I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!

My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.

Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302

Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy * Audio-books * Interior Design

Monday 8 February 2010

Buy all your wholesale hair products at marina lagos Nigeria

Buy all hair products at Marina Lagos Nigeria



Hi Friend,

If you are a woman or you have daughters or sisters, then, this topic will be applicable.

The best place to buy hair products or cosmetics is at Marina or Apogbon in Lagos, Nigeria.

When you get to Marina, ask for Breadfruit Street or where they sell hair products in wholesale quantities.

They will still sell even though you are just buying one item from them.

Remember to haggle, or price it or “na oja” or price the market.

When at the market, speak in Yoruba or Pidgin English. Don’t speak, proper English. They will charge three times the price.

For instance, you say, “How much is Expression Hair?”

The seller will look at you from head to toe and quickly figure out how much she will charge you.

Seller replies, “500 Naira”.

You say, “Haba, na wetin, 250 Naira”.

Seller replies, “350 Naira”.

You insist on “250 Naira”.

Wait for her reply.

If she says, 300 Naira.

You still insist 250 Naira.

Again, wait for her reply. If she wants to sell, she will say come and take it.

Walk away. (this is a common tactic that works in the market)

She will call you back and say, come and pay.





In Lagos, if you are in the market and you want to buy anything, whatever price they call it, cut it into half.

Dress down when going to the market. Wear jeans or Ankara and no jewelry.

If you go out with a relative or friend who lives in Nigeria. Don’t speak while they are haggling. Just look and pretend that, what you are buying is not yours.

You will save yourself some cool Naira by following these rules.

Thank you for your time.

I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!

My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.

Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302

Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy * Audio-books * Interior Design

You need 3 personal bank accounts in lagos Nigeria if you have a business

You need 3 personal bank accounts in Lagos Nigeria if you have a business



Hi Friend,

If you have a business in Lagos Nigeria, you need at least 3 personal or corporate bank accounts to survive and live stress free.

If you have one bank account and you need to withdraw some money. Let’s say, you rush to the bank at 3pm. And they tell you that, the systems are down and you can’t withdraw money. What will you do? You will quickly look for the nearest GTB bank and get your money, “fast fast”.

The systems are down is a common statement by bankers in Lagos. Expect it.

You need to be aware of some factors before choosing a bank and an account. They are:-

COT charges – you will have to pay N5 for every N1000, that goes into your account. If you operate in the millions, that is a lot of charges. First Bank offers a “No COT Charges” if you leave 50,000 naira in your account. This is the cheapest I have seen so far for a Corporate Account. The others like Zenith Bank and Bankphb are saying, I have to leave 500,000 naira in my corporate account, everytime before I can enjoy d “no COT charges” service.

SMS Alert – most of the banks offer this due to the fraud. But, 419er can arrange with your bank manager not to send an alert until after they have cleared your account. Know your bank manager and give them “egunje” on a regular basis.

Internet banking service
Fast service
Relationship Manager – request for one, if not offered. Make this person your friend.

I cannot use Fidelity bank, Spring Bank, and Union Banks. This is the internet age and they are not keeping up the trend.

I can recommend GTB (quality & exceptional service), Bankphb (great products, fast sms alerts & quality relationship managers), First bank (your money is safe, slow people) and Zenith (fantastic service & professional).

Check out the charges on your Non-Nigerian accounts. These are accounts opened for you with your address in the UK or US. I close all my accounts before coming back home.



Thank you for your time.

I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!

My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.

Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302

Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy * Audio-books * Interior Design

Get SMS alerts on your personal and corporate bank accounts in lagos Nigeria

Get SMS alerts on your personal and corporate bank accounts in Nigeria



Hi Friend,

As you are aware that, a lot of fraud take place in Nigeria, it is better to be safe than sorry.

Some banks will charge you for provide SMS alerts to your mobile phone, every time a withdrawal is made from your bank account.

The cost is 100 naira per month and it varies per bank.

When you are opening your bank account, there is a section where you can tick and request for this. Send the SMS to a MTN mobile phone because, MTN has the largest network coverage in Nigeria. So, if you travel to your village to visit your relatives, you will still receive the alert.

If you did not withdraw the money. Contact your Relationship Manager, immediately and stop all future withdrawals and contact your customer care department as well. I hope that, you are not using those old fashioned banks.

Thank you for your time.

I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!

My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.

Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302

Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy * Audio-books * Interior Design

Ask your bank to call you to authorise all cheques in lagos Nigeria

Ask your bank to call you to authorise all cheques in Lagos Nigeria



Hi Friend,

If you have a personal or corporate bank account in lagos Nigeria, it is advisable that, in order to combat fraud, you should specify that, your bank call you to authorise all cheques.

Remember, this is Nigeria and it is not UK or the US.

Go into the branch and speak to your Relationship Manager and put this request in writing.

Make sure he or she does this in front of you.

In order to make sure, write a cheque to your relative and check to see that, they will call you.


Thank you for your time.

I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!

My office details are below, if you need any further assistance.

I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.

Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State

Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302

Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com

Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy * Audio-books * Interior Design

Olubola Adeleye