WHY YOU SHOULD VISIT PAKISTAN
WHY YOU SHOULD VISIT PAKISTAN
Why You Should Visit Pakistan
I grew up listening to stories about Pakistan. It all makes me curious to explore and learn about Pakistan. I have started research on all the aspects which compel me to visit the country. Pakistan is a country which is famous for its beautiful landscapes, culture, food, historical places, mountains, lakes, and Waterfalls. It is, in fact, very inexpensive to travel around the country.
Pakistan is an Islamic country in South Asia with a population of about 212.7 million people. Making it the world’s 5th most populous country. The people of Pakistan speak Urdu and English. The Capital of Pakistan is Islamabad. Islamabad was built in the 1960s to replace the previous Capital of Pakistan “Karachi”. The currency used in Pakistan is the Pakistani rupee and the country code is +92. Some of the nearest countries to Pakistan are India and Bangladesh Pakistan is also famous as the “land of peaks.” The scenery in the Northern areas of this country is outstanding. Pakistan’s weather is also very moderate, So tourists will easily enjoy it there. The most common time of the year to travel to Pakistan is mostly from May to October. Pakistan is a safe country, but just like other parts of the world, it has its not so secure areas. Therefore, it is very advisable to travel with a travel guide or a group. if you are the type who travels alone all the time, Just make sure you do your research well before entering the country. The People of Pakistan are very hospitable. Some famous places where you can visit in Pakistan are: • Taj Mahal • K2 • Ranikot, the world’s largest fort • Rama Meadow • Wagah border • Lahore Fort • Badshahi masjid • Shalimar garden • Harappa and Mohenjodaro • Margalla hills and • Anarkali market in Lahore. Just to name a few. There are a lot of other incredible things in this beautiful country. Plan your trip well and Your visit to Pakistan will be a memorable one. To read more related content on travel, Kindly bookmark this blog, share our content on your social media pages, leave a comment and subscribe to our newsletter to receive weekly updates of all our new blog posts. How To Travel To The Philippines From Ghana Completely Visa Free
How To Travel To The Philippines From Ghana
Great news! All Ghanaian Citizens and ordinary passport holders can travel to the Philippines completely Visa Free! In case you don’t know where the Philippines is, the Philippines is a country located in the southeast of Asia. Its nearby countries are Thailand, Malaysia, and Vietnam. The country is situated in the West Pacific Ocean.
The Country is an archipelago that consists of around 7,600 islands within the country. The Philippines happens to be one of the few countries Ghanaian ordinary passport holders can visit completely visa free and stay for a duration of 30 days maximum.
If you’ll like to stay longer in the country, you will have to extend your visa or leave the country and return to get another visa free stay stamp on your passport.
The country has a unique blend of both the eastern and western culture. The country was colonized by the United States and Spain from the year 1565 – 1946 . Philippine is one of the most visited countries in the world due to it’s beautiful islands. The capital of Philippine is Manila which happens to also be one of the largest islands in the country. Manila is a developed city with huge buildings and amazing hotels and condos. There are other islands/ cities in the country such as :
- Cebu City
- Boracay
- Bohol
- Quezon City
Just to name a few. The most beautiful islands to visit when you go to the Philippines are Palawan, Cebu, Dumaguete, Calaguas Islands, and Siargao.
The people of Philippine speak Filipino and English (These are the main languages spoken in the country). The currency used in the Philippines is the Philippine peso and the country code is +63.
The country’s population is around 104.7 million.
Visa Requirement to Travel To The Philippine : NO VISA REQUIRED FOR UP TO 30 DAYS
Useful Link: Ghanaian Citizens can now safely Apply for a Ghanaian passport online.
Travel To Bangladesh 100% Visa Free For Ghanaian Citizens
Travel To Bangladesh 100% Visa Free For Ghanaian Citizens
Travel To Bangladesh Visa Free Country For Ghanaian Citizens
Great news! All Ghanaian Citizens and ordinary passport holders can travel to Bangladesh 100% Visa Free. In case you don’t know where or what Bangladesh is, Bangladesh is a Country located in the south east of asia. It nearby countries are India and Nepal. Bangladesh happens to be one of the few countries Ghanaian ordinary passport holders can visit completely visa free and stay for a duration of 3 months maximum. The country has quite a number of amazing tourist attraction sites to see. The country has beautiful landscapes and a ton of waterways. The capital of Bangladesh in Dahka, A beautiful city which gained its independence in 1971. Making Ghana about 14 years older than Bangladesh. The people of Bangladesh speak Bengali and Bangla (These are the main languages spoken in the country). The currency used in Bangladesh is Bangladeshi taka and the country code is +880 . The country’s population is around 180.7 million. Visa Requirement to Travel To Bangladesh : NO VISA REQUIREDHow to Apply For China Visa In Ghana | Chinese embassy in Ghana
How to Apply For China Visa In Ghana
China is one of the top travel destinations for most Ghanaians. If you are interested in visiting China someday but can’t seem to find enough information on the visa application process and requirements then kindly read on.
China visa requirements for ghanaians
Ghanaian citizens can apply for a Chinese visa in Ghana without having to travel to another country to apply for the visa. The Chinese Embassy is located in Accra, Ghana. The website of the People’s Republic of China in the Republic of Ghana is https://gh.china-embassy.org/eng/ .
All Ghanaians can start the visa process by Completing the Chinese visa application form and submitting it to the Chinese embassy in Accra, You will need to fill the one-page visa form and submit it personally at the Chinese embassy in Airport Residential Area, Accra, Ghana.
Chinese Embassy in Ghana Location
- Embassy of the People’s Republic of China in the Republic of Ghana
- No.6, Agostino Neto Road,
- Airport Residential Area
- P. O. Box: 3356 Accra
- Accra, Ghana.
- Tel: 00233-30-2797437(Consular Affairs)
- Fax: 030-2774527
- E mail: [email protected]
They are open from 8:30am to 11:30am and 2:30 – 4:30pm on Monday, Wednesday, and Fridays Only. Make sure all forms are properly filled with accurate information. If you leave any section out in the application form there is a possibility your visa will not be accepted. It is also illegal to apply for a visa using false information.
There are different kinds of Chinese visas that can be obtained. Such as:
• BUSINESS VISA (F)
• VISITORS VISA (TOURISM) L
• VISITORS VISA (VISITING RELATIVES) L
• STUDENT VISA (X)
• EMPLOYMENT VISA (Z)
China Visa Fee for Ghanaians
- You can also opt-in for the Single Entry visa which is valid for 3 months,
- The cost of the Visa fee is $50
- The Double Entry valid for 6 months and costs $75
- The Multiple Entries visa valid for 6 -12 months and the visa fee ranges from $100 to $150
The Requirements of the visa can be found here https://gh.china-embassy.org/eng/lsyw/t872515.htm
Download The visa forms by visiting: https://gh.china-embassy.org/eng/lsyw/fhqz/t1352306.htm
If you have any questions, contact these numbers:
00233-30-2780690(General Inquiry) 00233-30-2797437(Consular Affairs)
Also Read: How to Apply For Malaysian Visa in Ghana
How to apply for a China visa in Ghana
Ghanaian citizens can apply for a Chinese visa in Ghana without having to travel to another country to apply for the visa. All Ghanaians can start the visa process by Completing the Chinese visa application form and submitting it to the Chinese embassy in Accra. The Chinese Embassy is located in Airport Residential Area, Accra, Ghana.
Popular Cities in China to Visit
The cities of China are stunning examples of the country’s abundant cultural diversity, and it would take a lifetime to see all of the attractions that these towns have to offer. Even if you skip over the country’s two most popular tourist destinations—the Great Wall of China and the Terracotta Army—you’ll find that China’s best cities offer a variety of attractions for you to enjoy, and that’s before we get to the towns’ competition.
Suzhou
People from all over the world, as well as people from China, travel to Suzhou because it is the most famous water town in China. Suzhou is known for its beautiful gardens as well as its traditional houses that hug the waterside of the canals. The spectacular Ice Festival that takes place in Harbin every year is one of the reasons the city is so well-known. The event takes place in the city from December all the way through February. At one time, Suzhou was among the largest cities in the entire world.
Hangzhou
Hangzhou is renowned for its breathtaking natural beauty, with the picturesque West Lake serving as the crown jewel of the city’s offerings in this category. The unearthly landscape of Giulin provides a destination that is sure to leave visitors in awe. Within such a beautiful city, a visit to the Lingyin Temple is an absolute necessity. Lhasa, the capital of Tibet, is a mesmerizing place to visit because of its location in the Himalayas, which is a stunning alpine landscape. The Potala Palace is the most important destination of interest, and the spectacular structure appears like it must be incredible inside as well.
Shanghai
Shanghai, the most populous city in China, is a flourishing metropolis that offers a diverse range of attractions and activities. The majority of tourists immediately make their way to the Bund, which is found along the riverbank and contains a variety of structures that date back to the colonial era. The neighboring Victoria Peak is an excellent vantage point from which to view the glittering metropolis of Hong Kong in all of its dazzling splendor.
Beijing
Beijing is a teeming and sprawling metropolis that offers a dizzying variety of tourist destinations for people to enjoy during their time there. From Beijing, it is possible to go to some of the most beautiful sections of the Great Wall of China in a little less than an hour. If you’re a nature lover and you want to get away from the city, the nearby island of Lantau is an excellent option.
Wuhan China
Wuhan is the capital of the Hubei state in central China. Wuhan has a population of about 11.8 million people which is bigger than the entire population of London in the United Kingdom.
The city has recently gained worldwide attention due to its recent novel coronavirus outbreak, Which became public on 31st December 2019.
Read also: 10 Most Beautiful Cities Ghanaians Can Visit Visa Free
Tags: How to Apply For China Visa In Ghana | Chinese embassy in Ghana, Apply For China Visa In Ghana | Chinese embassy in Ghana | Get a Chinese Visa in Ghana | China visa application in Ghana
How To Apply For A Malaysian Visa In Ghana
How To Apply For A Malaysian Visa In Ghana
Are you ready to travel to Malaysia or perhaps interested in visiting Malaysia someday but can’t seem to find much information on how to get a Malaysian visa from Ghana online? Malaysia is a beautiful country located in Southeast Asia. If you are interested in knowing more about the procedure and how to get a Malaysian visa from Ghana then keep reading.
How To Apply For A Malaysian Visa In Ghana
It is possible for Citizens of Ghana to apply for a Malaysian visa in their own country without the need of traveling to another country to apply for the visa. The High Commission of Malaysia is in Accra. The website of the Malaysian High Commission in Accra is https://www.kln.gov.my/web/gha_accra/home.
All Ghanaians can start the visa process by Completing an online visa form from https://www.visaapplicationmalaysia.com/ghana/ , You will later need to print a copy of the registered application and submit it at the OSC (One Stop Centre) in Accra, Ghana.
Full Address listed below:
High Commission of Malaysia
87, Noi Petreke Street West Airport
Accra North
Accra, Ghana
Telephone Number: 233-302-763691
E mail: [email protected]
They are open from 12:00 to 16:00 from Monday to Friday and are closed on Saturday and Sundays.
You need to go to the Malaysian High Commission in person to submit your visa forms. All forms must be Properly filled with accurate information. If there is any column missed in the registration form there is a possibility your visa will not be accepted.
You will spend a total of about 180 Ghana cedis for the entire visa fee.
The Requirements of the visa can be found here https://www.visaapplicationmalaysia.com/ghana/
Download The visa forms by visiting: Malaysian-visa-form.pdf
If you have any questions, contact these numbers: 030 276 3691
Also Read: How To Apply For Indian Visa From Ghana
Investing and Living in Malaysia
Malaysia is a country located in Southeast Asia situated between Singapore and Thailand. Malaysia’s real estate industry is a fast-growing one. Kuala Lumpur is the capital of Malaysia with a population of 1.73 million and an area of 243km². Malaysia is definitely one of the top countries to pay attention to in terms of real estate development and investment.
With over 10 city projects in development, By the year 2050, there is no doubt the country will be one of the top 5 most developed countries in the world if not in southeast Asia. The country is currently undergoing several real estate city projects such as:
- Cyberjaya Development project
- Forest City
- Icity Malaysia
- Eco City Project from the Eco World Development Group Bhd.
Living in Malaysia’s Tech City: CYBERJAYA
Cyberjaya is one of the fastest-growing town projects in Malaysia it is located 26km from Kuala Lumpur city center which is situated in the Sepang district in Selangor. Cyberjaya is between Banting and Kajang, about 21km from the Kuala Lumpur international airport. Upon arriving at this beautiful mini-city project, the first thing you will notice is the serene environment. The second thing you notice is how neat and organized this place is. The third thing is the easy navigation and transportation system.
Cyberjaya is one of the best places to live in Kuala Lumpur if not entire Malaysia. From coffee shops to restaurants( African, Chinese, Thai, American) and malls, This place has everything you will need all in one place. Getting around the town is also very easy.
Cyberjaya also hosts several universities and Companies such as, Dell, Hp, HSBC, IBM, MMU, Limkokwing, FTMS just to name a few. According to students and residents living in Cyberjaya, they claim this mini-city barely had any buildings 9 years ago. They also stated the mini-city was built almost overnight which amazes them.
There are new buildings being built every single month and accommodation is quite affordable despite how expensive this place may seem. With less than $1000 a month, You can get yourself a very decent looking studio apartment which comes fully furnished with tv’s, microwaves, washing machines, and beds. Cyberjaya now hosts over 10 huge apartment buildings/ condominiums and accommodates over 6000 people from all around the world.
Condominiums in Malaysia’s Cyberjaya
- Dpluze apartments
- Solstice apartments
- Garden residence
- Crystal apartments
- Shaftburry residence
- Hyve apartments
- Mirage by the lake residence
- Cybersquare
- Serin Residence
Just to name a few. From visiting this place, you can easily tell the growth potential for this mini-city is unlimited. Investing in a residential or commercial apartment today will no doubt make you millions in the next 10 years.
According to theedgemarket.com, At the end of 2018, Malaysia’s property overhang stood at 43,219 units worth RM29.47 billion, which includes serviced apartments home office units and small-offices.
Cities to Live in Malaysia:
- Kuala Lumpur
- Penang
- Malacca
- Putrajaya
Popular Towns to Live in Malaysia:
- Cyberjaya
- Semenyih
- Johor Bahru
- Shah Alam
Reference https://www.theedgemarkets.com/content/advertise/cyberjaya-21-years
Read About Mortgage Companies in Ghana https://afiaghana.com/mortgage-companies-in-ghana/
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HOW TO APPLY FOR AN INDIAN VISA IN GHANA
How To Apply For An Indian Visa In Ghana
You are probably ready to travel to India or perhaps interested in visiting India someday but can’t seem to find much information on how to apply for an Indian visa in Ghana. If you are interested in knowing more about the procedure and how to apply for an Indian visa in Ghana then read on.
How To Apply For An Indian Visa In Ghana
The High Commission of India in Accra, Ghana, provides you with the visas. The website of the Indian High Commission in Accra is https://www.hciaccra.gov.in/.
All Ghanaians can start the visa process by Completing an online visa form at https://indianvisaonline.gov.in/visa/ , You will later need to Print a Copy of the registered application and submit it at the India High Commission in Roman Ridge, Accra, Ghana.
Full Address listed below:
High Commission of India Accra
No. 9 Ridge Road, Roman Ridge,
PO Box CT-5708, Cantonments,
Accra, Ghana.
Phone Number: +233-307020903 / 307020904
Fax: +233-302772176
Email: [email protected]
They are open from 8:30 am to 5:00 pm from Monday to Friday and are closed on Saturday and Sundays.
You need to go to the India High Commission in person to submit your visa forms. All forms must be Properly filled with accurate information. If there is any column missed in the registration form there is a possibility your visa will not be accepted.
There are different kinds of Indian visas. Like the:
• Business visa
• Tourist visa
• Medical visa
• Conference visa
• Student visa
The Requirements of the visa can be found here https://www.hciaccra.gov.in/hci.php?id=Visa_require
Download The visa forms by visiting: https://www.hciaccra.gov.in/hci.php?id=VisaForm
If you have any questions, Contact these numbers Phone Number: +233-307020903 / 307020904
Read also: How To Apply For Malaysian Visa from Ghana
Fantana – Rich Gyal Anthem (Official Video)
Fantana – Rich Gyal Anthem (Official Video)
Fantana – Rich Gyal Anthem Watch Full Video
Fantana from Ruff Town Records premiered her new music video and song on the twenty fourth of january 2020. Here are scenes from the video shoot in addition to the total official music video hyperlink.
CLICK TO LISTEN TO RICH GYAL ANTHEM MP3.
Behind The Scenes
Photos and Video Of Singer Peruzzi’s House in Lekki, Lagos
Photos and Video Of Singer Peruzzi’s House in Lekki, Lagos
Photos and Video Of Singer Peruzzi’s House in Lagos Lekki
The famous Majesty singer Peruzzi, a couple of days ago bought himself a new house in lagos. The singer has now moved out of the DMW house and is now living in his new home. Here are some of photos of the property he posted on his social media page.
Peruzzi home in lagos
A video of Peruzzi’s house in lagos
DMW artist Peruzzi acquires a house in Lagos
DMW artist Peruzzi acquires a house in Lagos
DMW artist Peruzzi acquires a house in Lagos.
Tobechukwu Victor Okoh who is professionally known as Peruzzi has acquired a house for himself in Lagos,he revealed this on his verified Instagram page.
Peruzzi is a Nigerian singer who is currently signed to Davido music worldwide(DMW). He rose to fame after releasing his track titled “For your pocket “ while he was still with his former record label “Golden boys Entertainment “ Just last week there was news that the aforementioned musician has been allegedly sleeping with his boss’ fiancée Chioma who is popularly known as chefchi. There is no doubt that as it stands there’s a feud between Peruzzi and his boss Davido who happens to be the CEO of Davido music worldwide. I know the question running in your mind right now is “is Peruzzi about to terminate his contract with DMW?” Well this question will be answered sooner rather than later as right now we don’t know if the Nana crooner is planning on leaving his current employers . It was revealed last week by the CEO of Golden Boy Entertainment who happens to be the former boss of Peruzzi that the artist has been sleeping with Chioma whom he introduced to Davido as his cousin 5 years ago…. Anyways we gonna find out if this is true or he is just jealous of Peruzzi’s success in the Nigerian music Industry.. It is no doubt that Peruzzi is currently one of the most sort after musicians in Nigeria so it’s of no surprise that he is able to buy himself a house in Lagos,not just in Lagos but in lekki phase 1 where most of the Nigerian celebrities live. Even though Davido hasn’t yet congratulated Peruzzi on his new achievement on any of his social media accounts , We are yet to see if the two are still beefing or everything we heard are just rumors. Maryam sanda sentenced to death for killing her husband in abuja
Maryam sanda sentenced to death for killing her husband in abuja
An FCT high court in maitama has sentenced Maryam Sanda to death by hanging for killing her husband, Bilyaminu Bello, son of former national chairman of PDP Mr Haliru Bello. She fled the dock immediately the judge convicted her. 
However, court officials and prison officials dragged her back to the dock. After the judgment, Maryam started wailing and shouting “Inna lilahi Inna roji hun” as her family and lawyer try to console her …She was heard saying I was fasting and praying ……Ya Allah why? Sanda had on November 19, 2017, stabbed her husband to death following an allegation of infidelity against him after seeing a text message on his phone. Later in the month, the police charged her for culpable homicide and sought a death penalty against her on two counts. The court was informed that the killing was planned as stated by the charge sheet, Sanda stabbed and murdered her husband with broken bottles at around 3:50 AM in the morning. This is very tragic. I know the question running in your mind right now is “How would someone kill her own husband, right?” Now that she and her husband are gone who will now take care of their children? this is the question the whole public is asking. Subscribe To Our Newsletter more related news and content.
How To Fry Egg Omelette (Ghana Style)
How To Fry Egg Omelette
Eggs are highly nutritious. Eggs are consumed every day all around the world. Ghanaians love eggs, an average Ghanaian consumes more than 2 eggs a day. We as Ghanaians love to eat eggs for breakfast, mostly with bread and porridge or tea.
In this article, I’m going to show you how to prepare fried egg omelette the simple way (even though frying an egg it’s self is simple) I’ll go straight to the point and show you how to make fried egg omelette. The first step is getting your ingredients ready.
Ingredients
- 2 Eggs
- 1/2 Green Pepper
- 1/2 Onion
- 1/2 fresh Tomatoes
- 1/2 Teaspoon of Salt
- 2 tablespoons of Oil
How To Fry Egg Omelette
Chop or slice your green pepper, onion, and tomatoes and place them in a bowl. In a separate bowl, Break in your 2 eggs, then add your chopped or sliced vegetables to your eggs. Add 1/2 teaspoon of salt and mix or whisk it very fast.
Pre-heat your fry pan on the stove ( a nonstick fry pan is preferred). Pour in the 2 tablespoons of oil, add a drop of the egg mixture to test how hot the pan is if it’s hot enough to fry whisk the egg mixture again and pour the entire mixture in the frypan.
After 40 seconds, take your fry pan spoon and flip your egg to the other side if it’s brownish in color. Wait for a few seconds and take the egg omelette off the fire unto a plate.
Quick and Easy. Enjoy!
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Delicious healthy Peanut butter Banana sandwich recipe
Delicious healthy Peanut butter Banana sandwich recipe
Like most kinds of butter out there, the peanut butter is high in calories and fat-containing round 190 calories and 16 grams of fat per 2 tablespoons. But this doesn’t make peanut butter unhealthy for you and your family. There are healthy and non-healthy fats, and peanut butter is certainly one of the healthy fatty foods you should be consuming. Peanut butter Is highly nutritious, it contains a lot of nutrients and vitamins your body needs which includes protein, minerals, fiber, and phytochemicals.
Using wheat bread instead of white bread makes your sandwich a lot healthier, wheat bread is a whole grain and its filled with vitamins, minerals such as zinc, copper, magnesium and iron, protein and antioxidants.
Delicious healthy Peanut butter Banana sandwich recipe
Banana is one of the healthiest fruits one can consume for a healthy life, this fruit consists of numerous minerals and vitamins such as vitamin C, Potassium, Protein, Manganese, folate and Dietary Fiber. Including banana to your daily diet is recommended.
Today’s recipe is going to be a healthy quick easy and delicious peanut butter sandwich.
Ingredients Needed
- 2 slices Wheat Bread
- 1 Tablespoon Peanut Butter
- ½ Sliced Banana
- 1 Tablespoon Butter
Get your wheat bread, spread 1 tablespoon of peanut butter, add ½ sliced Banana. Pre heat your frying pan, add 1 tablespoon of butter till it melts then place your wheat bread peanut butter banana sandwich on the pan till its all brown and crispy.
Quick and easy, Enjoy. If you want more interesting content like this, Kindly bookmark this blog, share our content on your social media pages, leave a comment and subscribe to our newsletter to receive weekly updates on our new blog posts.
Healthy Weight Loss Salad Recipes
Healthy Weight Loss Salad Recipes
Today I’m going to be sharing with you a healthy quick and easy-to-make weight-loss salad recipe that is perfect for lunch or dinner and can also be used as a vegan meal. This weight-loss salad is filled with fiber and is highly nutritious.
It has a secret ingredient that will help you lose weight as well as boost your immune system, nourish, cleanse your body and aid in the absorption of minerals and vitamins.
This vegetarian delicious salad is packed with protein and easily fills you up which makes it the perfect weight loss recipe for anyone looking to lose some weight or for just anyone looking to start eating healthy. This salad is also great for individuals facing some common health issues like thyroid issues, diabetes, and PCOS.
Ingredients
- Chickpea
- Finely Chopped Fresh Ginger
- Coriander leaves
- Lemon
- Pink Himalayan salt
- Tomato
- Carrot
- Onion
- Cucumber
- 2 springs of Fresh Moringa leaves
- Fresh curry leaves
- Roasted sesame seeds
- Pomegranate seeds
- Dried mango powder
- Pepper powder
Method
Tip: This recipe is best prepared in a bowl.
After Boiling your chickpea, place it in a bowl, add your finely chopped fresh ginger with coriander leaves, add a half freshly squeezed lemon juice, add in pink Himalayan salt and mix very well and place it aside.
Into another bowl, place your already chopped tomatoes, onions, carrots, and cucumber and add your already prepared chickpea or channa mix, add 2 springs of fresh moringa leaves, fresh curry leaves and sprinkle in some roasted sesame seeds (I highly recommend you add these so please don’t leave it out) Add some pomegranate seeds, this will give your salad a nice crunchy sweet taste to your salad along with its incredible great health benefits. Sprinkle the dried mango powder(optional) as well as some pepper powder depending on the quantity you like.
And last but not least add the secret ingredient that will give your salad a unique smell and taste. The secret ingredient is cold-pressed virgin coconut oil. You can add up to 2 tablespoons of this.
Virgin coconut oil has healthy fats which are known to aid in weight loss, decrease your craving for food, and aid your body in fighting against thyroid issues.
Delicious Avocado Salad Recipe
As humans, we all know it’s very important to eat healthily to stay strong at all times.
So I’d like to share with you this healthy delicious avocado salad recipe of mine. This is actually one of my favorite quick and easy salads to make on the run.
You might be wondering why I chose the avocado salad as one of my favorite salads to make. Let me explain real quick. The reason why I love this salad is because of how easy and fast it is to make, It’s tasty and the best part is how amazingly green and beautiful it looks. I’m sure you’ll like it too after trying this delicious salad recipe of mine.
It’s not difficult to make at all . Especially if you are someone who loves to cook or uses the kitchen on a regular bases, nothing seems hard when you love what you do. Without wasting so much time, let’s start this quick delicious avocado salad recipe.
Here are the ingredients you’ll be needing for the avocado salad recipe:
INGREDIENTS
- 2 Avocados
- Two fresh tomatoes
- One medium-size onion
- Lettuce
- Olive oil
- Olives
- Lemon
METHOD
- Step 1. Cut the avocado into half. Use a spoon to remove the seed in the middle of the avocado
- Step 2. Cut the avocado into cube-like shapes ( medium size)
- Step 3. Chop the onion into rings
- Step 4. Cut the fresh tomatoes into small pieces
- Step 5. Carefully wash the lettuce and divide them into small or medium pieces depending on how big or small you want the lettuce to be.
- Step 6. Place all the chopped ingredients into a big wooden salad bowl or glass salad bowl
- Step 7. Now sprinkle some olive oil onto the salad
- Step 8. Chop your olives into small bits and add to your salad
- Step 9. Squeeze some lemon juice on the salad and carefully mix it all together
And there you have it! Your tasty, delicious easy-to-make avocado salad is ready to be eaten. It Can be eaten with some wheat bread or some crackers.
Simple Beetroot and Lettuce Salad Recipe.
Beetroots are healthy known root vegetables used all around the world. They carry essential minerals and vitamins, some of which have medicinal properties.This delicious and simple beetroot and lettuce salad recipe consists of only 4 ingredients.
Ingredients
- 1 medium peeled beet
- 1 tablespoon olive oil
- 1 1/2 teaspoons white wine vinegar
- 3 cups torn butter lettuce
- 2 tablespoons butter
- 1/2 teaspoon Dijon mustard
Boiled Egg Salad Recipe for weight loss
Today’s recipe is going to be a simple, healthy, yet delicious one. I’m going to show you how to prepare a boiled egg salad. Before we begin, let’s look at some nutritional benefits of eggs.
Eggs, as we all know, are a very great source of high protein, eggs are inexpensive yet provide as with a lot of value. Almost all the nutrient in an egg Is found in the egg white. Eggs are rich in selenium, some vitamins that can be found in an egg white are Vitamin B2, Vitamin B6, B12 and minerals like iron, zinc, and copper.
One question most people tend to ask a lot is the number of eggs one should consume in a single day. Studies show that having up to 3 boiled eggs per day is totally safe and healthy for folks trying to live a healthy life and have a normal cholesterol level.
One large boiled egg contains about 76 – 78 calories, yet still, it is filled with nutrients. Egg yolks, in particular, are nutritious, don’t let anyone lie to you. Okay now that you have a clear idea of what eggs are and the nutrients they have, let’s jump right into the recipe.
Ingredients
- 4 Boiled Eggs
- 1 Avocado
- 1 cup Romain Lettuce
- 1 cup Cut Spinach leaves
- 5 Cherry Tomatoes
- ¼ Canned Chickpeas
- ½ Table Spoon GREEN ONION
- 1 Table Spoon of FETA CHEESE
- 1 TABLESPOON WALNUTS
- ½ Fresh PARSELY
- 1 Table Spoon Extra Virgin Olive Oil
- ½ Tablespoon of freshly squeezed lemon juice
- 1 Clove Garlic
- ¼ Table Spoon of DIJON MUSTARD
- ¼ Table Spoon Honey
- SALT
- BLACK PEPPER
Now that you have all your ingredients ready, You will need to take a plate or tray, whichever suits you best, place all the veggies, chickpeas and slices boiled eggs on the plate, mix in a separate bowl your olive oil, lemon juice, clove garlic, Dijon mustard, honey, add the salt and black pepper and mix with a folk. Now pour this mixture on your plate of egg and veggies, sprinkle your feta cheese and walnuts and mix.
Best Gyms In Accra Ghana | Top 10 Gyms and Fitness centers
Top 6 gyms in Accra Ghana.
A gym is a membership, structure, or large room, mostly including certain equipment, where men and women head to do physical exercise to get fit.
When it comes to getting a gym in Ghana, it’s a bit hard to find one near you. Ghana, unlike most countries, doesn’t have gyms in most neighbourhoods and areas; however, this will all depend on where you are residing in the country.
Read also: The Most Expensive Areas and Neighborhoods in Accra to live
If you are a foreigner, or perhaps just moved to Accra from another city, and you are in search of a gym, This article is exactly what you need. We’ll be list down the best gyms in Accra, the price of each gym, address, and opening hours.
1.California Fitness Gh
California fitness Gh is Ghana’s largest and most modern fitness center, located in Accra.
5am- 12am(Midnight)- Weekdays
6am- 11pm- Weekends
Phone: +233 55 399 2945
Website: californiafitnessgh.com
2. Total Fitness Health Club
- Hours: Monday-Friday 5:30am-9:00pm;
- Saturdays 7am-7pm,Sunday from 10am -5pm
- Cost range 200-400ghc/month
- Gym essentials: swimming pool, student packages, flexible payment plans
Total fitness health club is a one-stop shop for all your fitness needs, the total fitness Health club at AnC Mall features state of the art facilities with exciting programs to match your needs. Sign up to their cardio kick, body conditioning, jogging fit, body pump, circuit programs.
Prices range from GH425 cedis per month to GHC2551 for a year.
3. Pulse Fitness Ghana
- Monday-Friday 5am – 9pm
- Saturday 7am -4pm; Sunday 10am – 4pm
- Location: Lizzy Sports Complex
- Website: Pulse Fitness
Pulse Fitness Ghana is a popular gym in Accra. Their workout includes spinning, an attack, Pilates, Yoga, kickboxing, step aerobics, etc. They have weekly subscriptions which range from 150GHC to 350GHC. Alternatively, you can sign up for a monthly membership at 450ghc or save a few cedis with their 6-month membership fee of GHc1,500.
Walk-in to Pulse fitness and use their collection of facilities for a day at 40GHC or dish out 2,600ghc for a year-long subscription.
3.Gold’s Gym Ghana
Gold’s Gym Ghana is Located at East Legon. They provide Gym essentials such as 24-hour gym service, nutritionists; Certified Trainers, Referral programs, and a Swimming pool. Gold’s Gym aims to help its clients become their best around the clock. A monthly peak package costs 300ghc while a weekend package goes for 200ghc. For 420ghc and Ghc765, one can secure a three-month weekend and monthly membership.
4. SEL fitness Club
Monday-Friday 4:30am – 9pm Saturday 7am-4pm Location- Madina
SEL fitness is located at Madina, right next to the old Asanka Local Restaurant. The gym currently has a 5-star rating on google and it is in a great location for residence around Adenta and Madina.
Read also: A Beginners Guide To Building Muscles Fast
5. Fitrip Gym Ghana
Fitrip Fitness Community is one of Ghana’s Best Gyms. The Gym has membership and classes which include, spinning, TRX, AB Crusher, Yoga, self-defense, fight aerobics, U bound, HIIT, and Azonto Dance. The Gym is currently located in Accra. Membership Fees Start from GHS 500 – GHS 4,800. Fitrip offers gym classes in Accra with a variety of high-intensity workouts that are designed to improve strength, endurance, and overall fitness. The center is equipped with state-of-the-art equipment and staffed by experienced trainers who provide personalized coaching and support to help clients achieve their fitness goals.
- Address: 32 Sir Emmanuel Quist Street, Accra
- Open Hours: Open ⋅ Closes 12 AM
- Phone: 050 055 5666
6. Fit and Fine Gym
Fit and Fine Gym aims to help Ghanaians lead a happy and healthy lifestyle, always. You can join the Fit and Fine family and experience a new enjoyable lifestyle change.
- Phone: 0556 900 036/0555 862 804
- Address: Dome Pillar 2, K Boat Junction.
- Website: Fit and Fine Gym
Trasacco Valley Estates Ghana
Trasacco Valley
Trasacco Valley is an exuberantly luxurious Beautiful residential area that hosts a lot of custom-built luxury homes. Trasacco Valley has a few recreational areas that its residents can enjoy such as a golf course and a tennis court.
Because it is located on the outskirts of East Legon, it is a rather serene environment, which is the anthesis of the busy hustle and bustle motion of most of Accra.
Company Website: Trasacco Group Ghana If you want more interesting content like this, Kindly bookmark this blog, share our content on your social media pages, leave a comment and subscribe to our newsletter to receive weekly updates on our new blog posts
10 Most Expensive Areas to Live in Accra, Ghana | Rich Neighborhoods in Ghana
Most Expensive Areas to live in Accra: Neighborhoods and Suburbs
Ghana is a West African country that has been currently getting more publicity in recent years. Due to this more and more people have been embarking on Ghana. Most likely this new influx of individuals would likely want to know the prime real estate areas.
Some of the most expensive neighborhoods and areas in Accra Ghana are East Legon, Airport Residential, Dzorwulu, West Legon and Cantonments.
East Legon
East Legon is one of the more affluent neighborhoods in Ghana. It is home to what is considered to be the first mall in Accra, ANC Mall. There are also a lot of sports centers such as Lizzy sports complex, and high-quality international schools, like Al Rayan, and British International school.
East Legon is home to most of the celebrities and athletes and big-time business tycoons. It also has an opulent array of homes and apartments.
Airport Residential
Airport residential is one the most if not the most luxurious place to live in Accra. Located northeast of Kotoka International Airport, Sporadically populated, Airport Residential is home to many of the bourgeoisie and expatriates. It also has a high density of NGOs and government offices such as embassies.
It is rather difficult to find public transport there since most residents own their own cars. There are a lot of pedestrian areas in which fitness buffs can go for jogs.
Dzorwulu
Dzorwulu is an upper-middle-class neighborhood that is home to one of Ghana’s former presidents. Situated 6.5 kilometers from the city center, Dzorwulu is known for its security and also being the only place in Accra that has a mini-golf course. Dzorwulu has a diverse array of eateries and nightclubs.
Cantonments
Cantonments originally utilized as a military area, Cantonments has been renovated into one of Accra’s more opulent areas to live in. It has many modern type residential areas such as AU Village and Bentley Oak Town Houses (Imperial Homes Limited)
The type of residents that occupy Cantonment is mainly the bourgeois class which includes wealthy families, successful business people, government officials, and prominent scholars.
West Legon, Accra
About 14 kilometers north of the city center and 4 kilometers west of the University of Ghana is a fast developing residential region known as West Legon, often known as Westlands.
Osu
Osu is one of the most expensive places and major neighborhood in Accra, Ghana. This area can be located approximately 3 km east of the central business district. The locals refer to this area as Accra’s “West End.” This neighborhood is filled with restaurants, bars, shops and nightclubs.
Labone
To the south, Labadi Road defines the neighborhood of Labone in Accra, Ghana.
The western border of the neighborhood is formed by Cantonments Road, while the eastern border is formed by Labadi Crescent. The southern part of Osu is separated from Labone by the Ring road. Labone is one of the most expensive places to live in Accra.
North Legon
Towards the north of Accra, Ghana’s capital, you’ll find North Legon in the Greater Accra Region. This place is one of the most expensive neighborhoods to live in Accra.
Roman Ridge
The Accra neighborhood of Roman Ridge is one of the city’s planned communities. A neighborhood in northern Accra, bounded by Airport Residential Area, Dzorwulu, New Town, and Pig Farm. This place is one of the most expensive neighborhoods to live in Accra.
Abelempke
Abelenkpe is one of the most expensive areas to live in Accra. It is a community in the Accra Metropolitan District, which is part of Ghana’s Greater Accra Region. This place is bounded by Dzorwulu, achimota and pig farm.
References
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16 Restaurants and food joints in Osu, Accra
Restaurants and food joints in Osu, Accra
Osu is a neighborhood in the central part of Accra, Ghana. It’s known for its busy nightlife, street markets and restaurants. Finding a food joint in Osu isn’t hard at all, No matter how late or early it is, You’ll get food to buy. Below is a list of some of the Restaurants and food joints in Osu you should visit. This list is in no specific order.
Bondai
Bondai is an Asian restaurant and bar located in Osu. Serving Mediterranean & Japanese dishes.
Chicken ‘N’ Wine (Chicken and wine Osu)
Chicken ‘N’ Wine is a fast food place in Osu, Accra, that serves burgers, fries, rice dishes, milkshakes, chicken meals, and breakfast. located inside the Koala Supermarket on Oxford Street in Accra, Ghana.
- Call: +233-59-398-0121
- Open hours: 12 p.m.–11 p.m.
- Monday through Sunday
Frankies Restaurant (Frankies foods and rooms)
Frankies restaurant is one of the oldest, known places to dine in Osu, Accra. Even though they are famous for their ice creams and desserts, they also have a variety of other dishes, such as fried rice, cheeseburger, sandwiches, pizzas, salads, and pastries.
Frankies address:
- Frankie’s Hotel, Oxford Street, Osu, Accra
- Tel: +233 24 968 0000
- Services: Delivery, Dine Out, Take-away
Buka Restaurant Osu
Buka restaurant is an evocative description of the excitement and lifestyle of the African landscape. The restaurant serves Ghanaian, Nigerian, Ivorian, and Togolese dishes.
Treehouse Restaurant
Treehouse is a Restaurant and bar located at Osu right opposite Alley Bar.
Breakfast to Breakfast
Breakfast to Breakfast is located at Osu Oxford Street 6Th St Street Osu Greater Accra, offering not only breakfast but Sandwiches, Burgers, Continental, Lebanese, Smoothies & Juices. This restaurant is opened 24/7.
Rina’s Restaurant
The forth restaurant on this list Is Rina’s Restaurant. Rina’s Restaurant is located at Oxford Street, Osu, Accra. (Oxford Street mall) They have outdoor seating, great cocktails, and it is very cozy and casual. The restaurant is a casual dining restaurant located in the oxford street Mall Osu.
They serve both continental and Ghanaian dishes at very competitive prices. They are a preferred birthday party venue because of their special packages which take the guesswork out of creating a memorable birthday event.
They offer outside catering services to businesses and individuals. Entertainment features Happy hour on Tuesday, Afro Note on Thursdays and Karaoke on Fridays.
Pinocchio and LA Piazza Restaurant
Pinocchio and LA Piazza Restaurant is located at the Embassy Road, H P Nyemitei St, Osu, Accra. They have large selections of pizza on their menu made with imported Italian flour following the Neapolitan recipes.
Their pizzas are baked in a hot fired oven. LA Piazza Pizza team is trained each semester by Chefs that won prestigious awards such as World pizza Championship, European Pizza Championship, and World Pizza Classics Championship. Ice cream lovers can come and enjoy their 50 flavors + of ice cream which are homemade.
Waffle and cake lovers will also have a large selection of freshly baked cakes, amazing wrap, fresh salads, sandwiches, pasta, and other tasty Italian dishes.
KFC OSU
KFC OSU is a branch of Kentucky fried chicken located at F739/2 Oxford St, Accra. This branch was the first to open in the entire country in the year 2011. They have some of the best KFC meals in Accra.
Papaye fast foods
Papaye Fast foods is one of the oldest restaurants in Ghana, This restaurant is located at the Oxford Street Osu, Accra with branches all across the capital including Tesano and Spintex Road, Accra Ghana.
They offer quite a number of options which include, night food, casual and vegetarian options. Papaye fast food is very easy to locate since it’s just by the roadside. They have great customer service and their food is one of the best in the entire country.
The prices of the meals are very affordable as well. This restaurant is the perfect place for a family dinner, hangout or date. You can either decide to takeaway or eat-in.
Papaye has been in existence for many years now, and I, for instance, I’m a huge fan of their food. I highly recommend them.
Katawodieso
Katawodieso is located at the Osu La Crescent, Accra. Katawodieso is more of a street food stand than a restaurant, This place is a semi-legendary Food joint In Accra. They have amazing local Ghanaian cuisines which include Fufu, Banku, and Jollof rice just to name a few, even though their main specialty is Waakye (A Ghanaian local dish made of rice and beans) They are known for how delicious their food tastes.
The long queues at Lunchtime can prove it. Katawodieso has been there for more than a decade and it’s popular across the Capital city of Ghana, Accra.
Kpootoo Park Food Joint
Kpootoo is a well known joint Located at the Osu Oxford street, Accra Ghana. This place is Great for kids, Groups, and Hangouts. They sell food as late at 12:00 am at night. They have both casual and vegetarian foods. The place is very serene, neat, and definitely a joint to add to your list.
The Honeysuckle Pub & Restaurant (Osu)
The honeysuckle pub & restaurant OSU offers breakfast, brunch, lunch, dinner, and other services. They are located at Ring Rd E, Accra. This place is great for groups, families, and sports lovers.
Read also: 10 Best Bars and Night Clubs in Osu
Noble house Ghana.
Noble house restaurant is one of the oldest asian restaurants in Ghana, serving Authentic Chinese & Indian cuisine.
Mamma Mia Pizzeria
Mamma mia is a popular restaurant in Osu. They offer dine-in, takeouts, and delivery services.
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Best Mortgage Homes In Ghana: Real estate Mortgages in Ghana
Mortgage Homes In Ghana – Everything you need to know.
A mortgage is a loan that is applied for by individuals who lack the adequate amount of capital needed to purchase a property or individuals who choose to avoid paying for the property with outright cash. In Ghana, mortgages are available to both Ghanaians and non-Ghanaians. Individuals can request mortgages from institutions such as Ecobank, Calbank, Stanbic bank, GHL( Ghana Home Loans), and HFC bank.
There are various aspects of a mortgage an individual has to view before obtaining it: such as the type of mortgage the person wants, the requirements needed to obtain it, and the terms that come with a said mortgage.
Types of Mortgages in Ghana
Firstly there is a home purchase mortgage. This type of mortgage is for individuals or companies that want to buy properties to either rent or use for their own personal use.
Another type of mortgage is a home equity mortgage. It is when individuals perform equity release, which is basically selling the rights of their property to another entity while still being able to use the said property. On a later date, individuals will have to repay the debt.
Home completion mortgage is a type of mortgage that is targeted towards people that want or need money to complete the construction of their property.
The final type of mortgage is the home improvement mortgage. This mortgage is made for people who want a loan in-order to either refurbish or expand their property.
Mortgage Requirements in Ghana
You’ll need to provide a couple of documents to apply for a mortgage in Ghana. In-order to apply for a mortgage, the individual needs to have a valid form of ID such as a passport or the Ghana card.
The person applying for the loan should not have a history of bad debts, this can be proven by providing the institution which the person is soliciting a loan for with a bank statement.
Individuals will be required to have insurance in-order to protect the property, preferably from the same insurance company that is used by the financial institution from which the individual is getting their loan.
Applicants applying for the loan usually have to be between ages18-55, but this can vary depending on where the person is applying for the mortgage.
When applying for the loan, individuals have to prove that they will be financially capable of paying back the loan. This means showing proof of employment and showing proof of income. The mortgage repayment scheme should be at least 40% of the individuals’ net income.
Lastly, people that apply for the loan should be able to make a down payment and also put up adequate security incase they default on their loan payment.
Mortgage terms in Ghana
Mortgages usually take an interest rate of between 10%-13% when the loan is given in dollars but 30%-36% when it is given in cedis.
Most financial institutions that offer mortgages usually place a requisite of 15%-20% as a down payment, they then sponsor the rest of the mortgage until repayment is made.
The common consensus among most of the financial institutions is that mortgages should have a repayment period of about 15 years.
A mortgage appraisal will be carried out by an independent surveyor in-order to get an unbiased estimate of the property on which the mortgage will be carried out.
Mortgage Companies in Ghana
According to Investopedia, a mortgage company is a firm engaged in the business of originating and/or funding mortgages for residential or commercial use. In Ghana, there are few real mortgage companies but numerous quasi-mortgage companies, some of the notable mortgage companies in Ghana are GHL (Ghana Home Loans), Republic Bank, and Stanbic Bank.
GHL
Ghana Home Loans is a mortgage finance institution that has been around since 2006. They are the longest-running mortgage company in the country with over 12 years of experience. They offer various mortgage services such as: purchase mortgage, construction mortgage, homeowners mortgage, 100% purchase mortgage, land purchase mortgage, home improvement mortgage, quick cash mortgage, mortgage refinance, home completions and save to own mortgage.
● PM: There are two types of this mortgage. There is purchase mortgage for first time buyers, and there is purchase mortgage for applicants who already own a property but want to get another property for the purpose of renting. Both these mortgages share similar features such as having a repayment duration of 15 years when requesting the loan in dollars and 10 years when in cedis. They both offer up to 80% of the property value in loans at a maximum of 1.6 million cedis.
● CM: This type of mortgage is to help applicants who own a plot of land and want to develop it. The payback period is between 10 to 15 years, and loan is no more than 40% of the individual’s net income; the repayment will be made in fixed monthly deposits.
● HOM: This mortgage is for homeowners who wish to use their home as collateral in-order to solicit a cash loan. Per usual the payback duration for this is 15 years for dollar payment and 10 years for cedis payment. Homeowners can get up to 60% of their property’s value( maximum of 1.6 million cedis). Applicants are also eligible for insurance that covers the mortgage.
● 100% PM: This mortgage is for applicants that can not raise the minimum required amount of 20% of the property’s value as a deposit in-order to get the loan. This mortgage requires no deposit at all. The payback duration is up to 15 years. The fixed monthly repayments should be no more than 40% of the loanee’s income. Loanees have the choice of either purchasing from a private vendor or a real estate agency.
● LPM: This mortgage package is for applicants who want a loan in-order to purchase a plot of land for residential purposes.
The payback duration or time frame for this mortgage is between 3 to 5 years. GHL will loan the applicant up to 80% of the land’s value. As usual the fixed monthly repayments should be no more the 40% of the applicant’s net income.
● HIM: This is mortgage is aimed at applicants that want funds in-order to improve their property. Duration of repayment is between 3 to 5 years and the fixed monthly repayments should not exceed 40% of the applicant’s net income. The mortgage may not exceed 60% of the property’s value.
● QCM: This mortgage tailored for self-employed or salaried applicants that need funds to settle personal or business needs, except for repaying other debts. Applicants also have to have a track record of repaying their debts in a short period of time. The features of this mortgage is that it has a repayment duration of up to 2 years. The fixed monthly repayments should not exceed 40% of the applicant’s net income, and the loan should not exceed 60% of the property’s value.
● MR: Applicants can transfer their mortgages from a financial institution to GHL. GHL will pay-off the applicant’s existing debt in-order to collect the mortgage. The repayment duration is 10 to 15 years and as usual, the fixed monthly repayment scheme should not exceed 40% of the applicant’s net income.
● HCM: This mortgage is for applicants that have an incomplete property and need funds in-order complete it. The repayment duration is between 10 to 15 years. As usual, the fixed monthly repayment scheme should not exceed 40% of the individual’s net income.
● STO: This mortgage is suited for applicants who do not have a steady flow of income but still wish to own a home. They will be able to do so with a Save-To-Own account. Applicants can choose to save in either cedis, pound sterling, or US dollars. They can earn tiered interest depending on their account balance. They can make regular payments for 12 to 14 months in-order to be eligible for a mortgage.
Mortgage Companies in Ghana
Republic Bank
The Republic Bank of Ghana formerly known as HFC Bank is a subordinate financial institution of Republic Financial Holdings Limited of Trinidad and Tobago. Republic Bank of Ghana offers similar mortgage packages to GHL such as home purchase mortgage, home equity mortgage, home completions mortgage, and home improvement mortgage. Republic Bank differ from GHL when it comes to public sector home scheme mortgage, and employer assisted loan scheme mortgage.
● HPM: Home purchase mortgage for Republic Bank has a minimum down downpayment of 20%. The maximum payback period is 20 years and the amount of the loan allowed to the loanee is dependant on their credit score. Ghanaians are not subject to a facility fee but foreigners are subject to a facility fee equivalent to 1% of the requested loan. The process fee for citizens is 1.5% of the mortgage value while it is $250 US for foreigners.
● HEM:Home equity mortgage is for individuals who own property but need liquid funds in-order to invest in other projects. The maximum repayment period is 15 years, and the process and facility fees are similar to the HPM. The maximum loan allowed is 80% of the properties value.
● HCM: Home completion mortgage is a mortgage suited for applicants that need assistance in completing their property. The maximum loan given to applicants is subject to their credit score. applicants must add a minimum contribution of 50% of the cost of construction and the property must have reached lintel level. The maximum payback period is 15 years and processing and facility fees are the same as HPM and HEM.
● HIM: Home improvement mortgage is suited for applicants that need aid in undertaking renovations or extensions on their property. The maximum loan given for this is 50% of the property’s value and it should not exceed the threshold of $45,000 US. The maximum payback period is 15 years and the process and facility fees are the same as the other mortgage packages.
● PSHS: In 2007, the government of Ghana ordered Republic Bank to provide a reasonably priced homeownership scheme under the guise of the Public Sector Home Scheme. All the applicants would undergo vetting under the Republic Bank’s criteria. The properties that qualified under this scheme must; have had the basic infrastructure, should have been within a 40km radius of Accra/Tema, Kumasi, Sekondi, Takoradi. This facility could only be used once in a lifetime.
● EALS: The Employee Assisted Loan Scheme is a loan arrangement between the bank and an employee. This scheme is meant to aid employees in purchasing land, paying school fees, rent advance and medical bills. The minimum loan amount is 500 cedis and the maximum is 15,000 cedis. The payback period is up to 24 months. Applicants can top up if; they pay 1/3 of the existing loan, their salary increases after 6 months, or if their salary passes through republic bank.
Stanbic Bank
Stanbic bank has been operating in Ghana for over a decade now and has been the recipient of awards from the Ghana Investment Promotion Centre such as; the Top Performing business, Best Financial Institution and Best Bank in Ghana. Stanbic Bank offers a variety of loan options that include home purchase, developer construction, home improvement, equity release, and refinancing.
● HP: This mortgage is utilized for the purpose of purchasing a completed property. Stanbic Bank offers up to 80% of the property’s value as loans in the Greater Accra region and 70% in Kumasi and Takoradi. The maximum payback period is 20 years. The maximum amount loaned is dependant on the applicant’s net income.
● DC: Developer Construction is a type of mortgage in which Stanbic allows applicants to purchase uncompleted properties from the bank’s preferred developers. The same terms that apply to home purchase also apply here.
● HI: This loan suited for applicants who want to expand or refurbish their property. Stanbic offers a loan that covers up to 80% of the pro-forma invoices. Repayments of the mortgage will be made in monthly installments.
● ER: Equity release allows applicants to get funds by selling part of their property for a loan. Stanbic Bank offers a loan of up to 70% of the property’s value in the Greater Accra Region, and 60% in Kumasi.
● R: Stanbic offer a versatile range of refinancing options. There is internal refinancing that allows loanees to change the terms of their loan such as the repayment period or the currency that the loan is being paid in. There is external financing in which Stanbic takes over the debt of a loanee from another financial institution.Lastly, there is cash- out refinance, which allows loanees to liquidate some of the value of their property if the property has appreciated. Stanbic finances 70% of the property’s value when its located in the Greater Accra region, and 60% when it is located in Kumasi.
Reference: GHL, Mortgage loans, https://www.ghlbank.com/mortgage-loans/
Republic Bank, Mortgage Finance, https://www.republicghana.com/products/mortgage/#.Xc1vDC2cY9d
Stanbic Bank, Stanbic Home Loans, https://www.stanbicbank.com.gh/Ghana/personal/Borrowing/Stanbic-Home-Loans
Affordable Homes in Ghana | Cheap Apartments for rent in Accra
References:
Royal Palm Estates, Mortgage Requirements, https://www.royalestatesgroup.com/online_application/mortgageRequirements.html
Meqasa, 4 Basic Steps to Acquiring a Mortgage Loan in Ghana, https://meqasa.com/blog/4-basic-steps-acquiring-mortgage-ghana/
O. A Kwao, Mortgage in Ghana, https://www.westfieldsrealestate.com/news/mortgage-in-ghana/
How To Invest In Real Estate In Ghana
How To Invest In Real Estate In Ghana
Ghana’s real estate industry is a fast-growing one. Ghana is a country located in West Africa sharing borders with Togo and Cote D’Ivoire. This country’s rising real estate market is no news. We all know how fast Ghana’s tourism industry keeps growing day after day. Making it one of the hottest destinations to invest in real estate in West Africa.
The country ranked as the 7th wealthiest country in West Africa in 2017, the seventieth−most stable country in the world, and 58th most peaceful country in the world.
With the closet location to the center of the world, total land size of 238,533, a population of 27million and a free stable and Democratic country, Ghana is definitely one of the top countries to pay attention to in terms of real estate development.
In recent years, people have seen the benefits that have been reaped from investing in real estate in Ghana. This has led to an increase in real estate investment in the country formerly known as the Gold Coast. There are various considerations one has to take before investing in properties: they would have to do their homework, decide what type of property investment they will venture in, organize their finances, and finally search for the desired investment.
Investing In Real Estate In Accra
Accra is Ghana’s Capital city, with an estimated population of 2.27 million people and a total land size of 225.67 km2 (87.13 sq mi). Accra is not only one of the beautiful cities in Africa but also the busiest and the wealthiest city in the Country. Investing in real estate in Accra should be one of your main targets.
Homework
Before purchasing any type of property there are certain questions individuals have to ask themselves such as; what type of property do they want, what is their budget to acquire the property, and which area they will like to purchase the property. You will have to be strategic about your purchase. If individuals are intending on purchasing land in-order to construct residential properties for the purpose of selling, they will have to buy the property where traveling time to all the business hubs is minimized.
A cautionary tale would be that of Trassaco Valley. When it first emerged in the 2000s it was the pinnacle of the gated communities in Accra. Due to it being near the Tema motorway, it was a quick drive to reach Independence Avenue. As time went by, more and more residential homes were being built near Trassaco causing an influx in traffic: this had a ripple effect of reducing the price of homes in Trassaco as compared to Cantonments and Airport Hills.
Investment type
There are several types of property investment individuals can look at in-order to reap profits. There are rental properties, where individuals can rent out their properties to tenants for a specific amount of time and an agreed price.
There are REITs (Real Estate Investment Trusts). REITs are a form of collective investment schemes that pools capital from investors and uses the acquisition of income-generating real estate, mortgage loans, or a combination of both. Another form of real estate investment would be land flipping. This is basically acquiring land and then reselling it quickly at a higher price.
Finally, property development would be the last type of investment. In property development, individuals purchase properties in nice neighborhoods, then develop them into luxury apartments, high-class condos, and commercial structures. They then sell them at a high-profit margin.
Finance
Depending on the type of property investment, individuals will have to find a way to fund their investment. They can either take out mortgages, or use their own capital to fund it. If the individual is going to take out a mortgage they will have to decide which mortgage they will choose depending on their payment plan. If it is a corporation that is investing in real estate they can either fund their venture by taking out a loan from the bank or using their shareholder’s equity to finance the project.
Finding the desired property
Image source: Trassaco Group
After all the prior requisites have been completed, individuals can finally search for properties. It is usually recommended to solicit the services of an agent in-order to acquire a property. This would expedite the process and also minimize the risk factors of the transaction: such risks would include purchasing the property from a person that does not own the property or purchasing a property that has already been sold to various individuals.
Investing In Real Estate As a Foreigner in Ghana
Can foreigners invest in real estate in Ghana? The answer is yes they can. Obviously the procedure isn’t the same as that of a Ghanaian citizen. The majority of the land owned in the country is not owned by private organizations, most of the lands are stool lands. Before purchasing a property, It’s advisable to double-check to see if you are purchasing the property from the right owner.
To make things a lot easier for you, You can also purchase your property from an accredited real estate agent. This will prevent you from getting scammed or defrauded. Owning land in Ghana is mostly on leased terms. It may vary from Twenty-five (25) to 100+ years. Foreigners get a shorter duration, Even though these terms are still negotiable. It’s always advisable to discuss ownership and duration with your real estate agent. The GIPC (Ghana Investment Promotion Centre) welcomes all investors to invest in the country. For your questions and information about all your investment needs, Contact the Ghana Investment Promotion Centre.
List of Top Real Estate companies in Ghana
1. Trasacco Estate
2. Devtraco Real Estate
3. Appolonia City Estate
4. KAS Estates Ghana Limited
5. Lakeside Real Estate
6. Willet Properties Ltd
7. Penny Lane Real Estate Ghana
8. Elegant Homes Ghana Limited
9. Castle Gate Estate Ghana Limited
10.Rehoboth Real Estate
2. Devtraco Real Estate
3. Appolonia City Estate
4. KAS Estates Ghana Limited
5. Lakeside Real Estate
6. Willet Properties Ltd
7. Penny Lane Real Estate Ghana
8. Elegant Homes Ghana Limited
9. Castle Gate Estate Ghana Limited
10.Rehoboth Real Estate
References
Denya developers, Investing in real estate in Accra today: is there cause for optimism, https://www.denyadevelopers.com/blog/investing-real-estate-in-accra
Meqasa, A Step by Step Guide to Investing in Property,https://meqasa.com/blog/a-step-by-step-guide-to-investing-in-property/
Tonaton,4 Simple Ways To Invest In Real Estate In Ghana, https://tonaton.com/blog/4-simple-ways-invest-real-estate-ghana/
See Also: Mortgage Companies in Ghana
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