How Victoria Elliote Took Advantage of a Little-Known Loan Scheme to Become a Proud Home-Owner in Lekki
You Too Can Use the Same Strategy to Go from a Rent-Paying Tenant to Become a Proud Home-Owner in the Heart of Lagos
Let me tell you about Victoria Elliote, not the wife of Desmond Elliot, the popular actor and Hon. Member of the Lagos House of Assembly. One Tuesday morning at about 4.30am, her phone beeped and she drowsily retrieved her phone from the bedside and slide to the notification. What she saw jolted her out of bed. It was a dream come through.
Victoria qualifies for home loan
The message read: Dear Victoria, based on your grade and job profile, you have qualified for the Special National Housing Loan scheme. If you are interested, complete the attached loan application form to apply for the loan. The amount you qualify for is N15,000,000.
The joy of a new home and freedom
Victoria was so elated that she almost ran out naked. She composed herself and dashed back into the bedroom, rushed into the bathroom to clean up and get ready for the new day. While in the showers she began to imagine the ‘hows’ and ‘what ifs’ of the new home loan opportunity. What will her husband say? Scores of questions race through her mind.
Forty minutes later, Victoria Elliote was behind the wheel. She began to reminisce over her life as she drove to the office. She remembered struggling to complete her undergraduate studies after her father succumbed to the cold hands of prostate cancer. As the first child, her hope of university education was almost dashed save for the determination of her mother who borrowed all she could to send Victoria to the University of Lagos. Fast forward to her NYSC days, she remembered how her mum borrowed to buy her provisions and provide the transport fare to Kano as she travelled to the Orientation Camp. Tears of sorrows trickle down her chin “…how I wish mama is here to see what her daughter has become”, she thought.
Meet Victoria, the soon to be property owner!
Victoria works in a second-generation commercial bank in Lagos. At 36, she has enjoyed steady promotion on the job. Over the last 10 years, she had gradually risen through the ranks. Without a godfather or office lover, she gave meticulous attention to the rules of the game and shrewdly applies herself to office politics. Now, that humble girl who was once hopeless and depressed has become the Business Manager at the Opebi Allen Branch of the Bank. More importantly, she is about to become a proud young home owner in the heart of Lagos.
She got to the office, closed the door and opened her email to be sure it was not a flash in the pan. It was still there…sweet N15 million offer, God is good. She quickly downloaded the loan application and completed the entries. When she got to the point when she was to fill the property details, she put a call through to her husband and they both agree she should fill the details of a property in the a suburb of Lagos that was advertised in the church a month ago. She did and submitted the application. Dear Lord. Let this application be granted ASAP!, she prayed.
All through the week, Victoria was always checking her mails for any sign of a response. Her husband is in Abuja for a business trip and she kept chatting and calling to express her desire to have the loan approved so they can buy the land and start building.
special offer
YOU TOO CAN BECOME A PROUD OWNER OF A PREMIUM APARTMENT IN THE HEART OF LAGOS
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Someties, a 'NO' can be a blessing...
Two weeks later, her phone beeped and she grab the phone to check. Lol, it was an email from the Government housing Scheme. She opened the email and her heart sank!
Dear Victoria, we regret to inform you that your home loan application has been REJECTED.
Reason: loan object is unverifiable and incompatible with the scheme requirements
Kindly apply again once you application meets all requirements. Note that a second rejection automatically disqualifies you from this scheme.
Victoria could not control her feelings as she shed tears openly. Her heart is tore into a thousand pieces…for goodness sake, where did it we go wrong!” she queried. Are you okay ma, her assistant standby asked. At that instant, she realizes she has been shedding tears right inside the banking hall. She quickly wipes her tears and took the stairs to her office. Inside her office, she ranged her husband and began to cry as she reads the email to him. “Calm down honey, lets talk about it at home, there will be a way around this, trust me” her husband tried to console her.
Research before Investing in Real Estate
Few hours later, Victoria and her husband began to go through the home loan application line by line. They want to make sense of the REJECTION. After a long review they found it: all home loan application must be applied t properties that fall within the approved location by the NHF Scheme. Victoria saw her error. She had opted to buy an advertised piece of land in the outskirt of Lagos because it was cheap and she hopes to save some money thereby. The husband quickly put a call through to a friend who confirms their findings.
After 3 days of wide consultation, a friend f friend who has also access the housing loan lead them into the secret. Speak to a realtor at Gracias Properties he said. They have some nice residence on sale and the title is solid, NHF will gladly approve your home loan once you submit an invoice that covers any of Gracias Residences. Victoria and her husband thanked their new friend and rushed to Gracias Properties website to secure a slot.
And then the final YES!
Four months later, Victoria got a BIG YES! and the sweet N15,000,000 was disbursed to her. She became a proud owner of an amazing residential apartment coutsey Gracias Properties and the National Housing Scheme.
How about you my friend...
- Are you looking to move into a comfortable premium apartment that fits your status and taste?
- Maybe you really desire to live in a newly built apartment where you are more than a tenant.
- I know you love comfort and the good life. So let’s take a moment and talk about your next level move…
Meet Nigeria's foremost property company that's changing countless lives
INTRODUCING GRACIAS MOONSTONE RESIDENCE
its your turn to take advantage of easy buy exclusive Apartment from Gracias Properties
Whether you live in Nigeria or oversea, its your turn to take advantage of a rare piece of real estate investment in the heart of Lagos.
Permit me to introduce to you Gracias Moonstone Residence, developed and marketed by Gracias Properties Limited, a reputable real estate company in Lagos Nigeria. Gracias Properties has been tried and trusted by hundreds of Nigerians both at home and in the Diaspora.
Gracias Moonstone Residence is a purpose built luxury apartments in Sangotedo, Ajah area of Lagos. The estate is designed for smart upwardly mobile individual who want to live in a serene environment while still accessing Lagos boisterous commercial opportunities.
Whether outright purchase or installment payment, you too can be a proud owner of our beautiful 2-4 bed apartments. Few apartments left !
Why Should You Invest in Gracias Moonstone Residence?
- Gracias Moonstone Residencee is situated Close to the main road with access to… that means your drive from home to work become so easy that you will never have to worry about safety or the time it takes to get around.
- The estate boasts of essential amenities like area-wide perimeter fencing, central security, estate administration.
- The title to this piece of real estate is a government approved certificate of occupancy with deed of sales covering each residence.
- This estate is designed to attract upwardly mobile professionals like you so the environment fosters that urban and human community that is ideal for raising family as well as connecting for business interest in the long run
PRIMARY DEVELOPMENT
- ACCESSIBLE ROAD
- PERIMETER FENCING
- WATER CONNECTION
- ELECTRICITY CONNECTION
INFRASTRUCTURE
- STREET LIGHT
- CCTV CAMERA
- DRAINAGE SYSTEM
- SANITARY SEWER SYSTEM
- 24 HOURS ELECTRICITY (SOLAR & INVERTER)
What Happens When The Proposed Development In This Region Matures?
Due to the foresight of the management of Gracias Properties, we have factored the global development masterplan of the entire Sangotedo-Ajah region into our acquisition and design of this rare piece of real estate.
You will be living in an environment that is 100% residential while enjoying the wider amenities of a fast-paced developed metropolis with blue chip companies and global investors rushing to buy lands surrounding this estate.
Apart from the increased price, the overall quality of life in Gracias Moonstone Residence is bound to improve and that is a great benefit for your finances and well-being ion the long-run?
How to buy into this rare piece of real estate
Gracias Moonstone Estate comes in 4 design options:
- 1 Bedroom @ N9m
- 2 Bedroom @N10.8m
- 3 Bedroom Flat Style A @ N22.8m
- 3 Bedroom Terrace Duplex with BQ @ N26.4m
To buy any of these, you will be required to make an initial deposit of N3m and pay the balance upon allocation.
FAQ
Where is Gracias Moonstone Residence?
Gracias Moonstone is located at Okunraiye Town, Ibeju Lekki Lagos State
What documents do I get after initial deposit?
Payment receipt for the payment made, Invoice and Contract of Sale. Subsequent payment receipt will be issued for every payment made.
What type of Title document does it have?
Certificate of Occupancy (Ajah Community Global C of O)
What do I get after completion of payment for the House?
Payment receipt for the payment made, Invoice and Contract of Sale. Subsequent payment receipt will be issued for every payment made.
What are the payment structures?
Minimum deposit of ₦3,000,000 as initial payment, you are expected to make subsequent payment as at when due (Monthly / Quarterly), non- payment as at when due will be regarded as breach of contract and this will result to 10% default charges.
PAYMENT TERMS: Complete payment for each quarter should be made on or before the last day of the quarter, failure to do so attracts 10% weekly of the outstanding balance to be paid weekly as penalty within the period of default. Default on 3 occasions will result to termination or reviewing of the contract.
When will the house be allocated to me?
Delivery will be in accordance with payment(s) plan, your apartment(s) will be physically allocated to you after 75% payment and the keys to your apartment(s) will be delivered to you after 100% payment of all payments.
Question: When will the estate be ready?
Wish to learn more about Gracias Moonstone Estate
What Now? You have the option to see our Estate for yourself
We know you may have a few questions to ask and would love to see the estate firsthand. That is why we schedule regular visits to our estates virtually and physically. All you need do is schedule an inspection and we will get back to you.
Alternatively, if you would like to take the first step towards buying any of our serviced plots, you can just apply right away and start the journey towards becoming a proud owner of a piece of the Gracias Moonstone Residence today.
office address:
GRACIAS GROUP BUILDING KM 46, Lekki Epe Expressway, Corner Bustop by United Estate before Novare Shoprite Sangotedo, Eti Osa Lagos State. Email: ales@graciasglobal.com