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Trade emulsion for ceilings and first wall coat if you are covering a darker colour.
Matt emulsion for walls.
Water or oil based eggshell for woodwork. Water dries quicker, easier to clean brushes etc; oil based takes longer to dry, but is more hardwearing.
Buy from trade outlets, not DIY sheds. You will get better quality paint.
Decent brushes and an angled cutting in brush is well worth it.
You might find the following useful if you are doing the job yourself
Work procedure Pre painted surfaces
Walls and ceilings-
- Surfaces hand and machine sanded. Machine sander is connected to a vacuum to reduce dust spread.
- Stress cracks (generally found above doors and windows) taped then 2 coats filler
- Other imperfections filled then sanded smooth
- Filler spot primed
- All corners caulked
- Paint applied with de-nib and second fill between coats
Wood work-
- Surfaces hand and machine sanded
- Damaged areas repaired using 2 pack filler
- Corners caulked
- 1 coat primer/undercoat
- 180g Sand till smooth
- Paint applied with de-nib between coats
Generally wood work is completed first which is then masked off then ceilings and walls completed. This creates perfect lines between wood work and walls.
Flooring and furniture will be protected on entry, floors vacuumed on completion.
You can only get NHF loan if you qualify by meeting the criteria below:
1) You must be a Nigerian and you must be above the age of 18
2) You must have been contributing to the National Housing Fund (NHF) for a minimum period of six months.
3) you must be able to show satisfactory evidence that you have a regular flow of income to guarantee the loan repayment.
4) The loan must be for the purpose of building, purchasing, or renovating a residential accommodation
5) The loan you want to take must not be for refinancing another loan.
The current maximum amount available to each individual borrower or joint borrowers will be 80% of the value of the property you or you and your partner are looking to buy subject to a maximum of N16m where the cap on the scheme remains at N20m.
For example, if you are proposing to buy a house of N100 million, the mortgage lenders would be willing to lend up to N80 million that is if you qualify. You will however, be required to deposit the sum of N20 million as your equity contribution.
1. The C/O before you buy it must be in the Seller’s name alone before he has the right to sell it.
If you are buying in Lagos, it is adviceable that you go and confirm in Alausa first that the c?o is genuine because they have the records of everyone who has a C/O2. After you buy the plot of land, you are not entitled to get a C/O in your name but a Governors consent.
The C/O is only given to one Purchaser and for every other subsequent transaction of sale of that property, you get a Governor’s consent.
