Things To Look Out For When Looking For A Loan

Looking for a quick and easy loan, to boost your business, to buy a car, to pay for school fees. Well things keep getting easier in this 21st century as you can get a loan approval in just 24 hours.

Back then you would have to go through a long daunting process and a lot of paperwork to get a loan from the bank.

Now you don't really need to get a loan from just a bank but from many money lenders. You can also complete the process online and get your loan in minutes. 

Before getting a loan from the bank or any online money lender, the things you should look out for are. 

The Requirements. 

Several banks and money lenders have different requirements. Some require you to be resident in a certain location, others require you to have a steady salary, while others require you to have a operation business for about a year.

Make sure to check out the requirements of the bank or money lender before going ahead.

Collateral 

For example, some banks and money lending institutions offer loans with or without collateral. 

With Collateral

This means you need to have some kind of asset like a landed property before you can get this loan, or you need to have a job and a constant salary. 

The easiest way to convince a bank to give you a loan is to provide the required asset.

Without Collateral 

Some bank and money lending institution offer loans without requiring an asset. If you are looking for a quick loan, no questions asked, no paperwork and approval within 24 hours, then you should try this option.

Examples of Banks that Offer Loan Without Collateral

Paylater.ng

Renmoney

Interest Rate

One of the problems with paying back loans is the interest rate. Make sure you check out the interest rate of the bank or money lender before taking any loan from them. 

Best Way To Convince A Bank To Give You A Loan

The worse thing that can ever happen is getting turned down by your bank for a business loan, when your idea seems to be the most profitable.

With a good loan from the bank, you can start up your business and pay back gradually.

Getting a loan is a long process with very labourious steps all the way, it not only requires a lot of paperwork, but also a lot of time. Going to and fro and making sure your documents are correct, up to date and in perfect condition. but in this post, you are going to learn how to convince a bank to give you a loan easily without having to go through too much hassle.

We have thousands of money lenders offering easy loans but their requirements seem to be a little too high for those seeking loans.

Easiest Way To Convince A Bank To Give You A Loan

The easiest way to convince a bank to give you a loan is to

Check Their Features

For example, some banks and money lending institutions offer loans with or without collateral. 

With Collateral

This means you need to have some kind of asset like a landed property before you can get this loan, or you need to have a job and a constant salary. 

The easiest way to convince a bank to give you a loan is to provide the required asset.

Without Collateral 

Some bank and money lending institution offer loans without requiring an asset. If you are looking for a quick loan, no questions asked, no paperwork and approval within 24 hours, then you should try this option.

Examples of Banks that Offer Loan Without Collateral

Paylater.ng
Renmoney

This are things you should focus on when trying to get a loan from a bank. This will help you reduce the stress and make things  quite easier.

Nigerite Limited Products | Their Distributors & Factory Locations In Nigeria

Nigerite Limited is the largest company in Nigeria engaged in the manufacture of New Technology cement fibre roofsing and ceiling sheets, compressed sandcrete roofing tiles (CreteTile French and CreteTile Mission) and DryWall construction solutions. The company is also involved in the installation of its products.

Nigerite Limited was founded in 1959 as a joint venture between Odu’a Investment Company Limited of Nigeria and the International Belgian group Etex N. V., the incorporation took place in Nigeria. s also involved in the marketing and installation of its products.

The company has claimed the top spot in the Nigerian market for over 5 decades and is acclaimed the largest organization in West African engaged in manufacturing, marketing and installation of roofing and ceiling products.

They are also the leaders in the market offering various building components including our fibre cement products which provides a superb combination of quality, performance and non-hazardous material to meet all your construction needs.

The company has been able to maintain its stand and also forge ahead of the competition due to its ability to be innovative, integrating new ideas, producing excellent products and great customers service to boost customer experience.

Nigerite Limited also boasts of taking very strict health measures during handling, storing transportation and installation which avoids and prevents any accident and ensure their products do not react negatively to the environment.

The company manufactures and distributes its products to various West African Countries like Nigeria, Benin Republic and Ghana.

Nigerite Products And Their Different Properties

Different Types Of Nigerite Roofing Materials

Gemstone

Packaging: Single Multitile

Dimension: 1405 x 365 mm

Thickness per tile: 0.45mm

Weight per tile: 3kg Apprx.

Weight per m2 = 5.88kg

Colours: Anthracite grey, Black and Terracotta

ASSOCIATED ACCESSORIES:

Long Barge Board

• Angle Ridge

Kolor 7

Universal applications

• Non-combustible

• Strong and long-lasting

• Does not produce toxic fumes in event of fire

• Good insulator

• Available in a unique Terracotta (RED A and RED D) colours and Chocolate brown (other colours can be produced on demand)

• Beautifully packaged to prevent scratching

• Rot and rust proof

• Unique fasteners

• Wide range of accessories

• Completely weather proof

• Cost effective

• Comprehensive technical support

Gothik Shingles

Alurr shingles from Nigerite are Beautiful, Adaptable and Lightweight providing unrivalled quality,style and luxury. Other benefits include;

A wide range of shapes and colours

A product for all climates

Colours that do not wear off with time

A lightweight roofing system

Easy to transport and handle

No need for special accessories

Can be used on varying roof pitches

Can be used successfully on any shape of roof

Master Shingles

Master uses two overlapping layers to successfully re-create the relief effect that is typical of traditional roofs. Moreover, it comes in different colours, so that it blends perfectly with any surrounding environment. The result is an extremely flexible asphalt Shingle that can be easily installed even at low temperature.

COLOURS: DARK SLATE, BLUE, TERRACOTA

DIMENSIONS: 1000 x 337 mm

PACKAGING: 14 MULTITILES PER PACKET

COVERAGE PER PACKET: 2 SQUARE METRE PER PACKET (2 m2)

PRICE: N 7,700:00 / 2 square metre

Mosaik Shingles

Mosaik shingles create a beautiful “mosaic” effect on your roof, with its hexagonal patterns and unique chromatic nuances.

The result of a new technology, Mosaik creates an original play of nuances and lends the roofing system an antique effect. Mosaik is particularly easy to lay, as the shingles feature wholly self-adhesive strips which makes it impermeable while the total adhesion of the strips are a guarantee of resistance to strong winds and heavy rainfall.

Standard Shingles

Distinguished by its unequaled resistance, versatility and ease of installation, and above all by a range of 13 different colours, Standard provides the perfect solution to your requirements if you are looking for an original and beautiful roofing system. Furthermore, Standard chromatically fits in any surrounding environment.

COLOURS: EUROPA RED, BLUE, SLATE GREY, TWO TONE BLACK

DIMENSIONS: 1000 x 337 mm

PACKAGING: 14 MULTITILES PER PACKET

COVERAGE PER PACKET: 3.05 SQUARE METRE PER PACKET (3.05 m2)

Types Of Crown Tile Available At Nigerite Limited

CrownTile French

The symmetrical flab-ribbed profile with raised side-facing interlock of CrownTile French provides an unrivalled aesthetic form. It gives harmonious overlapping accents on the roof.

Dimensions: 420 x 320 mm

Packaging: Single tile

Quantity per square metre: 10 tiles

Available colours: Brick red, Chocolate brown, Foliage green.

CrownTile Mission

The extra bold profile with raised side-facing interlock of CrownTile Mission provides an unrivaled aesthetic form. The true beauty of CrownTile Mission is in its incomparable versatility.

Dimensions: 420 x 320 mm

Packaging: Single tile

Quantity per square metre: 10 tiles

Available colours: Brick red, Chocolate brown, Foliage green.

Nigerite Fascia Board Grey

Nigerite NT Fascia Board is a fiber-cement product with a smooth surface finish designed as a substitute to the conventional timber Fascia Board. It is designed to suit virtually any roof design and structure, i.e. CreteTiles, Corrugated Sheets, Slates, etc.

Advantages Of Nigerite Fascia Board

Advantages

Light weight, easy to handle and install.

Durable, does not require periodic replacement.

Affordable and cost-effective.

Not combustible

Easy to cut, drill and fix

Can be painted to any attractive colour.

Rot and rust proof

Readily available

Resistant to termite and pest attacks

Available free technical advice

Different Types Of Nigerite Ceiling Materials

KalsiCeil Embossed Legend 1.22mm x 1.22mm

Standard Dimensions:

length x breadth = 1.22m x 1.22m

Thickness = 3mm

Advantages

non combustible

decorative finish

rot & rust proof

durable

pretigious

pest resistant

NIS ISO 9001:2008 certified

KalsiCeil Plain Prestige

KalsiCeil Prestige is a grooved fibre cement decorative ceiling tile of aesthetic value. It is a decorative ceiling tile designed to compliment the tastefully furnished interiors of today’s modern buildings. The groove-line finish of Prestige Ceil is a symbol of simplistic excellence.

Nigerite Limited Offices In Lagos And Other Cities In Nigeria

HEAD OFFICE

43, Oba Akran Avenue,

P.M.B 21032, Ikeja

Lagos State

Nigeria

+234 (0) 811 393 6276,  +234 (0) 703 444 6474

IBADAN OFFICE

46, 7up Road,

Oluyole Estate,

Off Ring Road, Ibada

Oyo State

Nigeria

ILORIN OFFICE

Ajase-Ipo Road,

Afon Road Junction, Ganmo, Ilorin,

Kwara State

Nigeria

Nigeria Brewery products and their factory locations

Nigerian Breweries Plc, is the largest brewing company in Nigeria. It’s primary costumers are the Nigerian market but it also exports to other parts of West Africa.

Nigerian Breweries brewed its first bottle of beer, STAR Lager, in its Lagos brewery in June, 1949, just three years after it was incorporated that is in the year 1946. 

It also commissioned its Aba Brewery in 1957, Kaduna Brewery in 1963, the Ibadan Brewery in 1982. In September 1993, the company acquired our fifth brewery in Enugu. A sixth brewery, sited at Ama-eke in 9th Mile, Enugu was commissioned and christened Ama Brewery in October 2003. Today it is known as the largest brewery in Nigeria

In 2014, Nigerian Breweries Plc completed a merger with Consolidated Breweries Plc, which lead to the inclusion of three breweries in Awo – Omama, Makurdi and Ijebu – Ode to the company. 

Due to the merger more brands were added to the company like Williams Dark Ale, More Lager, Turbo King Stout, Breezer,  33 Export Lager,  Himalt and Nigeria’s first malt drink maltex.

In November, 2015 the Nigeria Brewery added another achievement to its brand when it launched the International brand Strongbow cider, this made it the first brewery in Nigeria to brew and bottle the cider  category beverage.

Nigerian Breweries now boast of ten operation breweries in the country and from which its products are distributed to all the parts of Nigeria. Nigeria Breweries Plc also boast of operational malting plans in Kaduna and Aba and also supports operations of Champion Breweries Plc located in Uyo, Adamawa State.

Nigerian Brewery Products And Their Year Of Launch

Nigerian Breweries offers the following list of products

• Star Lager (released in the year 1949) Pale Lager
• Gulder lager beer(released in the year  1970) Pale Lager
• Legend Extra Stout (released in the year 1992) 7.5% ABV Extra Stout
• Heineken Lager(released in the year 1998) Premium Lager
• Goldberg Lager (released in the year 2011)
• Life Continental Lager (released in the year 2011)
• Star Lite Lager (released in the year  2014) Pale Lager
• Ace Passion Apple Spark (released in the year 2014)
• 33 Export Lager (released in the year 2015)
• Williams Dark Ale (released in the year 2015)
• Turbo King Stout (released in the year 2015)
• More Lager (released in the year 2015)
• Breezer (released in the year 2015)
•  Ace Roots (released in the year 2015)
• Star Radler (released in the year 2015)
• Ace Rhythm (released in the year 2015)
• Star TripleX (released in the year 2015)
• Strongbow Cider (released in the year 2015)

Alcohol-free drinks

• Maltina (released in the year 1976),
• AmstelMalta (released in the year 1994).
• Fayrouz, (released in the year 2006)
• Climax Energy drink
• Malta Gold (released in the year 2011)
• Himalt (released in the year 2015)
• Maltex (released in the year 2015)

Most of the products are packed in returnable bottles and all products are now available in cans. Fayrouz, Maltina and Amstel Malta are also produced in P.E.T Bottles

Nigerian Breweries Head Office

Iganmu House, Abebe Village Road, Iganmu, Lagos

NBPLC Contact Phone: + 234-1-2717400

NBPLC Contact Mail: info@nbplc.com

Nigerian Breweries Customer Care

NBPLC Contact Consumercare Mail: consumercare@nbplc.com

NBPLC Contact Consumercare Phone: 07082558662752

The company's head offices are located in Lagos.

List Of Nigeria Brewery Plc Factories In Nigeria

Lagos brewery Established and Commissioned in June 1949

Kaduna Brewery Established and Commissioned In 1963

Ibadan Brewery Established and Commissioned in 1982

Enugu. Ama Brewery Established and Commissioned in 2004

Life Breweries in Onitsha Aquired from Sona System In the year 2011

Ijebu - ode Brewery Aquired From Consolidated Breweries Plc on the 31^st December 2014

Awo-Omama Brewery Aquired From Consolidated Breweries Plc in December 2014

Makurdi Brewery Also Aquired From Consolidated Breweries Plc in  December 2014

Uyo Brewery Plant Established and Commissioned in 2015.

Ever since the bottling of its first beer the Nigeria Brewery Plc has continued to play a significant role in the Brewery Industry as the demand for Alcoholic drinks and non – alcohol drinks rise higher than ever in the market.

PocketMoni: How to Download, Fund Account & Make Transfer On Pocket Moni Mobile Money App

PocketMoni, formally called M-Teller is a Mobile Money service by eTranzact. PocketMoni Mobile Money enables you to create an account with your mobile phone (called an e - wallet), which you can use to send and receive money, make payment and also transfer of funds. 

In this article we will talk about how to fund pocketmoni account, make payments buy, and make funds transfer using the pocketmoni mobile money service.

How does PocketMoni work?

PocketMoni Mobile Money simply transfers your mobile phone into an electronic wallet (e-wallet). You can store funds (cash) in the e-wallet any transactions you would normally perform with you ATM card.

How Safe Is The PocketMoni Platform?

PocketMoni transactions are secured using 3DES encryption technology. Subscribers to the mobile money service also use PIN to secure their PocketMoni transactions. 

To use PocketMoni, the subscriber will have to download and install a Java application. Hence, the PocketMoni Mobile Money service requires a Java enabled mobile phone.

PocketMoni Mobile Money offers the following services;

• Purchase of airtime from any network
• Payment of Cable TV Bills e.g MyTV, Hi TV, DSTV
• Payment of Electricity bills e.g PHCN bills.
• Send and receiving money to other PocketMoni users
• Transfer of funds to other PocketMoni Mobile Money users

To make payments with PocketMoni and perform other transactions using PocketMoni you are required to fund your account (e – wallet) first. You can fund your account (e – wallet) with the use of an eTranzact card or other debit cards, through a partner bank or a PocketMoni agent.

How to Download the PocketMoni  Mobile Money App

To make use of the PocketMoni Mobile Money service, you are required to download and install the application on your mobile phone.

Your mobile phone is required to be java enabled, as the application requires a java enabled mobile phone to function.

To download the PocketMoni Mobile Money Application, simply text Reg followed by your name and your surname to 20220 for Etisalat, MTN and Airtel network users. For Glo network users simply text Reg followed by your first name and your surname to 31030.

E.g Reg space Jude space Akpos which is:

        Reg Jude Akpos to the appropriate network

You will receive a message in your phone almost immediately which contains a download link for the Mobile Money application. After downloading the application, you should install it on your mobile phone and follow the instructions and prompts to setup and activate your PocketMoni Mobile Money Account.

Note: The Mobile Money application is less than 100kb

How to Fund Your PocketMoni Mobile Money Account?

Remember, to make use of your PocketMoni Mobile Money account you are required to fund it through some various means. You can choose the one which is most convenient for you.

One of the ways to fund your PocketMoni Mobile Money account is through a PocketMoni Mobile Money Agent. You make a deposit in cash and the agent will fund the amount you deposited to your Mobile Money Account.

Another way to fund your account is to visit a partner bank to make a deposit.

Here is a list of the current partner banks that you can make a deposit.

Union Bank, Keystone Bank, FirstBank, Intercontinental Bank, Skye Bank,  Zenith Bank,  Oceanic Bank , GTBank, Fidelity Bank, Access Bank , UBA.

Also, you can add an ATM debit card to your PocketMoni Mobile Money application. This will make it easier for you to make transfers and payments from your ATM debit card to your PocketMoni Mobile Money account.

You can add Visa, Verve, MasterCard and also eTranzact debit cards to your PocketMoni Mobile Money e – wallet to enable you make easy transactions.

Things to note Before While PocketMoni Mobile Money:

Your phone number is your account number

There is a service fee of N150 on every transaction

Your mobile phone must be java enabled for the PocketMoni Mobile Money application to function

PocketMoni Customer Care

If you encounter any problem or have any inquires you can contact their helpdesk through  the following means

Email : pocketmoni@etranzact.com

Operating Days: Monday to Friday – 8am to 7pm

Telephone: 01-7101060, 01-2701162

Operating Days: Monday to Friday – 8am to 7pm

How To Apply For Loans With RenMoney microfinance bank & RenMoney branches in Lagos

RenMoney Microfinance Bank (also known as “RenMoney MFB Limited) is a consumer finance organization which aims at making loans application and procurement easy as getting loans from banks can be stressful and frustrating.

In this post you will learn about the various loans provided by RenMoney, the requirements needed to get these loans and how to get your loan application with RenMoney approved within 24 hours.

RenMoney MFB Limited (formerly RenCredit) was founded in Lagos in 2012 under a unit Microfinance Banking with expertise in the provision of simple money solutions especially to Small Medium Enterprises SME. They received their operating license on October 17, 2012 and started rolling out cash loans to customers out from their head office on 89, Awolowo Road, Ikoyi Lagos.

They received their operating license on October 17, 2012 and started rolling 

out cash loans to customers out from their head office on 89, Awolowo Road, Ikoyi Lagos.

RenMoney has a flexible and convenient repayment system aims at making loan repayment easy for customers. Customers are able to apply for loans between N50,000 to N2,000,000 payable up to 9 months for new customers.

Also, RenMoney does not require you to open a new account as the loaned cash will be transferred to your existing account. Other features it promises includes, flexible repayment, no collateral needed, no need to wait as loaned cash is paid in 24 hours after verification of documents.

RenMoney has several products – Cash Loan, Fixed Deposits, Target Savings, Smartphone Financing, Loan@Work, School Fees Loan and Point-of-Sale (POS) Loan.

General Eligibility Requirements For Renmoney Loan Application

Below are the general requirements to meet before you can get loan from Remoney.

Eligibility Check: Every Potential Customer must meet up with the following criterial to be eligible.

• You should be between 22 and 59 years old.
• You must run an account (Current or Savings) with a commercial Bank in Nigeria.
• Applicant must live and or work in Lagos State.
• You must have a verifiable monthly income.
• You must have a clean Credit Bureau Report.
• You must not have a history of returned cheques in your account.
• One recent passport photograph (within the last 6 months)
• Salary bank statement for the last 6 months (must be stamped by the bank). Your bank can send it directly to us at bankstatement@renmoneyng.com
• NUBAN Cheque leaves for the duration of Loan (agreed at branch) OR Filled Direct Debit Form
• Staff Identification card
• Pension OR Tax Identification number
• Letter of Employment, Confirmation, Promotion, Redeployment, Salary Increase OR Introduction Letter from Employer’s HR to RenMoney
• Utility Bill (PHCN, Water bill, LAWMA bill OR Rent Agreement)
• Valid Proof of Identification (current ECOWAS Passport, National Identification, Driver’s License or Voters ID)

How RenMoney Works

CASH LOAN

RenMoney offers customers loans without collateral of up to NGN4 million for a tenor that ranges from three (3) to nine (9) months for new customers, while a returning customer enjoys a longer tenor of twelve (12) months.

Customers are required to have a verifiable source of income before being eligible for this loan. As a customer you can either be salary earners or self-employed.

To Qualify For Cash Loan

• Be between ages 22 – 59 years.
• Have a steady source of income that is verifiable.
• Must be confirmed staff in present employment.
• Have a functional current or savings bank account.
• Have valid means of identification

SMARTPHONE FINANCE

RenMoney in partnership with select service providers offers smartphone financing; a product that enables interested persons to purchase their favourite phones and payback in convenient instalments of twelve (12) months.

With just your Debit Card, RenMoney can help you own the latest smartphone without having to break the bank.

How It Works

Each month, a certain portion of your monthly subscription is used as repayment for the phone by RenMoney.

For example, if the monthly subscription costs N1,000 monthly, N600 can go to RenMoney as repayment for the phone while the balance N400 goes to the network provider for the data costs.

RenMoney has a proprietary algorithm to determine which customer will be eligible.

Over the period of the subscription, RenMoney will collect the monthly bundle fees and remit to the network providers, the portion for the Data, Voice and SMS charge

LOAN@WORK

RenMoney Loan@Work package is designed for registered organisations in partnership with RenMoney.

This package allows employees of organization to access loans at reduced interest rates.

How Loan@Work Works

Loan@Work is designed for organizations with a sizeable amount of staff (at least 30).

The company must be duly registered with the Corporate Affairs Commission (CAC) and running a thriving business to be eligible for this package.

SCHOOL FEES LOAN

RenMoney school fees loan is aimed at enabled adults and kids finance their school education with reduced interest rates through RenMoney.

Renmoney School Fees loan disbursement is made directly to the educational institution on behalf of the applicant while applicant repays to RenMoney in convenient monthly installments.

Customers can access up to NGN4,000,000 under the School Fees Loan without collateral

What You Need To Apply For Renmoney School Fees Loan

• You must be between ages 22 – 59 years.
• Have a steady source of income that is verifiable.
• Must be confirmed staff in place of present employment.
• Have a functional current or savings bank account.
• Have valid means of identification – International Passport, Driver’s License or National ID Card.

POINT OF SALE (POS) LOAN

RenMoney introduced this scheme to enable customers purchase household appliances through them with repayment made in monthly instalments through RenMoney’s Point-of-Sale (POS) Loans.

Appliances that can be purchased at partner shops (e.g. Samsung) include television, air conditioners, freezers, washing machines, microwave ovens, etc.

FIXED DEPOSIT

The Fixed Deposit scheme is for constumers who desire high returns on their investment.

With a minimum of NGN250,000 investment, the Fixed Deposit product from RenMoney offers competitive interest rates over an agreed tenor. All investments are insured by the NDIC.

TARGET SAVING

Target Savings plan offers customers a smart way to save towards specific goals such as a wedding, buying a house, buying a car etc. The Target Savings plan offers 10% interest rate per annum.

To Start a Target Savings Plan:

RenMoney requires you to save monthly with a minimum of N20,000 , so determin how much how much you want to save

Go to any RenMoney branch near you and request and fill the application form.

Choose the tenor of your savings plan (minimum tenor is 6 months).

Issue post-dated cheques or set up a direct debit mandate with your bank.

Send a mail to the Investment team on deposit@renmoneyng.com or call 016310723.

How to Apply For Loans With RenMoney

There are three ways to apply for Loans with RenMoney, it is advisable to use one which is most convenient for you.

Method 1

You can submit an online application by logging into their official website https://www.renmoneyng.com/apply/

Method 2

You can apply by calling their contact center lines 0700 RENMONEY (0700 7366 6639)

Method 3

Visit the RenMoney branch nearest to you

-       After successful application, you will receive immediate approval or - disapproval.

-       

Get the necessary documents across to any of their branches for verification.

-       When verified, you will receive cash in your preferred bank account in less than 24 hours.

RenMoney Microfinance Bank Branches In Lagos And Contact Details

Head Office : 8g, Awolowo Road Ikoyi, Lagos, Nigeria

Surulere : Kings Plaza, 80, Adeniran Ogunsanya Street, Surulere.

Opebi : Pentagon Plaza, 23 Opebi Road, Ikeja.

Lagos Island : 50 – 52, Broad Street, Lagos in CSS Bookshop Hourse

Apapa : No. 13, Park Lane, Apapa.

The process is made very easy and simple, but you can reach them through this process in their helpdesk if you encounter any challenges or want to make enquires.

Online : https://www.renmoneyng.com/contact-us/

Email : cash@renmoneyng.com

Telephone : 0700 RENMONEY (0700 7366 6639)

You can also contact them on their social media pages

Facebook : https://www.facebook.com/renmoneynigeria/

Instagram : https://www.instagram.com/renmoneymfb/

Twitter : https://twitter.com/RenMoney

Youtube: https://www.youtube.com/channel/UCLCUK6c-bVtJzcv4clEa5WQ

LinkedIn : https://www.linkedin.com/in/renmoney