Tuesday, July 10, 2007

Our Housing Problem




This lady is been protesting for more then 6 days now. She wants a place to live.
This is an extreme case which is not really typical, yet we should not have any of these cases. Bahrain is not that poor!! and this is not the first time we see this.
A typical case will be a Bahraini couple getting BD40,000 to buy a house form the government (Ministry of Housing). A typical livable (not even decent) house costs at least BD80,000. The BD40k comes with several rules, including; the house should not be more then 15 years old (or something like that), you cant buy apartments with it and you cant buy anything in Amwaj, riffa views or any such a development (like you really can with 40K!!) and the house has to be ready (not to be built).
So what does a person do? You say take a bank loan, alright lets try it. The only loan you will get is a personal loan because the house has to be mortgaged by the Ministry of Housing (for the 40k loan), so a typical couple will make around BD800-1200 (combined), 50% of your income is your max installment, now take out two car loans, if you are lucky you will be able to get additional BD10-20k. As a result now you have BD50-60k. The question is what can you buy with that???
There is a suggestion to increase government loan to BD60,000/- , guess what that will do?? Yes, increase property prices even further!! So we will be back to square one!!
Another suggestion is to introduce a law that allows 2nd mortgages, that might help a bit but it will also increase demand and the property prices will increase!!
So what is the solution???
I suggest the following: Ministry of Housing establishes a new real estate company ( a joint venture) with other banks. The new company is to build houses in the range of BD80,000, where ministry of Housing will pay the BD40,000 and the partner in the joint venture will be responsible for the other half. The house will be mortgaged under the new company (not the bank or Ministry of labor). This way the demand for housing will not increase because people get the houses directly (no shopping around is required) and supply of houses will increase. As a result, the property prices (at worst) will stabilize.

65 comments:

Ammaro said...

the housing problem is a big one, and what needs to be looked at is property prices. with the opening of property sales to GCC citizens, the prices jumped up, and now opening them up to the international market shifted the prices up ridiculously. Now the locals cant afford it; market regulations need to be set to stabalize the prices and offset or deter these fluctuations, in order to let the average citizen be able to afford such housing.

SILVER said...

I agree with you, i think they should stop letting GCC citizens own land or properties in residential areas. The government can specify area where they can own like Amwaj and so on. The problem is that people in power are getting HUGE benefits from the raise in real estate prices.
They weird thing is the MPs are not even talking about it!!

LuLu said...

And that's why the United Nations gives us the urban development award.

PS. I agree w/u Silver & Ammar on the ownership issue.. this was my take on it
http://lulubahrain.blogspot.com/2007/01/lets-all-immigrate-to-mars.html

SILVER said...

This article was meant to suggest a solution for the problem instead of just criticizing. I value Ammar and Lulu comments who also suggested ways to tackle this problem. Now we need some MPs to do something about it.

Unknown said...

$$$ GENUINE LOAN WITH 3% INTEREST RATE CONTACT US FOR MORE DETAILS $$$.
Are you looking for a loan to clear off your dept and start up your own Business? have you being going all over yet not able to get a legit loan Company that will loan you? Here is your final solution, We can give you any amount you need provided you are going to pay back within the period of time given without any problem. Apply now and contact us for more details via email below.
Email: henski.john46@gmail.com

Application For loan.
First Name:
Last Name:
Date Of Birth:
Address:
Sex:
Phone No:
City:
Zip Code:
State:
Country:
Nationality:
Occupation:
Monthly Income:
Amount Needed:
Duration:
Purpose of the loan:
E-mail address:

Email: henski.john46@gmail.com

Unknown said...

Do you need a Loan?
Are you looking for Finance?
Are you looking for a Loan to enlarge your business?
I think you have come to the right place.
We offer Loans at low interest rate.
Interested people should please contact us on
For immediate response to your application, Kindly
reply to this emails below only Email
osmanloanserves@gmail.com



LOAN APPLICATION INFORMATION FORM
First name:
Middle name:
Date of birth (yyyy-mm-dd):
Gender:
Marital status:
Total Amount Needed:
Time Duration:
Address:
City:
State/province:
Zip/postal code:
Country:
Phone:
Email ID.....
Mobile/cellular:
Monthly Income:
Occupation:
Which sites did you know about us.....
osmanloanserves@gmail.com

Dr Purva Pius said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

BORROWERS APPLICATION DETAILS


1. Name Of Applicant in Full:……..
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
10.age/sex…………………
11.Monthly Income…………..
12.Email……………..

Regards.
Managements
Email Kindly Contact: urgentloan22@gmail.com

Loan said...


Hello Am Mr. Jubrin Mohamed, Am Legitimate and reliable Loan lender. I offer all kinds of packages of Loans. I give out loans on a clear and understandable terms and conditions at 3% interest rate. From $2000 to $5000000 USD, Euro And Pounds Only. I give out Business Loans, Personal Loans, Student Loans,Car Loans And Loans To Pay Off Bills. If you are interested kindly Contact us: jubrinunityfinancialloan@gmail.com

Loan said...

$$$ URGENT LOAN OFFER WITH LOW INTEREST RATE APPLY NOW $$$
Do you need Loan to pay off your debt and start a new life? You have come to the right place were you can get FUNDED at a very low interest rate. Interested people/company should please contact us via email for more details.
Email: jubrinunityfinancialloan@gmail.com
Full name:
Date of birth (yyyy-mm-dd):
Gender:
Marital status:
Amount Needed:
Duration:
Address:
City:
State/province:
Zip/postal code:
Country:
Phone number:
Monthly Income:
Occupation:
Email: jubrinunityfinancialloan@gmail.com

Judith Thompson said...


Hello
Are you in debt,
do you need a new house, or a car,
do you need payment for mortgage, repair or re-financing ,
without debt review, are you

looking for Company to trust for all your financial assistance and debt
clearance, kindly contact a company that has your

interest at heart, a company who is not also interested in your hard earned
money, CURTIZ MORGAN LOAN FIRMS have come to clear

your debts and help you have a pleasant YULETIDE HOLIDAY CELEBRATION IN A
GROUND STYLE

and debt free new year, we give loans in different currencies for just 3%
interest rate, we give from $1,000 and above for 1-20

years repayment plan, we do not check your credit history, we give loans to
both blacklisted and clean record applicants,

contact us now and end your misery in just 24 hours, contact us now on
email:

curtizmorganloanfirms@gmail.com ,Text or call : +15206894390

CURTIZ MORGAN

LOAN CONSULTANT





Judith Thompson said...


Hello
Are you in debt,
do you need a new house, or a car,
do you need payment for mortgage, repair or re-financing ,
without debt review, are you

looking for Company to trust for all your financial assistance and debt
clearance, kindly contact a company that has your

interest at heart, a company who is not also interested in your hard earned
money, CURTIZ MORGAN LOAN FIRMS have come to clear

your debts and help you have a pleasant YULETIDE HOLIDAY CELEBRATION IN A
GROUND STYLE

and debt free new year, we give loans in different currencies for just 3%
interest rate, we give from $1,000 and above for 1-20

years repayment plan, we do not check your credit history, we give loans to
both blacklisted and clean record applicants,

contact us now and end your misery in just 24 hours, contact us now on
email:

curtizmorganloanfirms@gmail.com ,Text or call : +15206894390

CURTIZ MORGAN

LOAN CONSULTANT





Unknown said...

My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

LOAN APPLICATION INFORMATION FORM
First name......
Middle name.....
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8) Email address..........
9) Monthly Income:.....................
10) Occupation:...........................
11)Which site did you here about us.....................
Thanks and Best Regards.
Derek Email osmanloanserves@gmail.com

Loan Offer said...

My Brothers and Sister all over the world, I am Mrs Boo Wheat from Canada ; i was in need of loan some month ago. i needed a loan to open my restaurant and bar, when one of my long time business partner introduce me to this good and trustful loan lender DR PURVA PIUS that help me out with a loan, and is interest rate is very low , thank God today. I am now a successful business woman, and I became useful. In the life of others, I now hold a restaurant and bar. And about 30 workers, thank GOD for my life I am leaving well today a happy father with three kids, thanks to you DR PURVA PIUS Now I can take care of my lovely family, i can now pay my bill. I am now the bread winner of my family. If you are look for a trustful and reliable loan leader. You can Email him via,mail (urgentloan22@gmail.com) Please tell him Mrs Boo Wheat from Canada introduce you to him. THANKS

Frank Loan Firm said...

Hello all,

Apply for a quick and convenient loan to pay off your bills and to start up a new business and your project at an interest rate of 2% contact us at ; (frankdavisloanfirm@yahoo.com)

Regards.

Mr Frank Davis

mavin jerry said...


Are you a business man or woman? Are you in any finance stress or need funds to start up your own business? Do you need loan to settle your debt or pay your bills? Do you have a low credit score and have difficulty obtaining loan from local banks and other financial institutions? I wish to inform you that we offer all kinds of loans at low interest rate of {2%} if interested in obtaining a loan from us. [ Email: jerry.mavin@financier.com], {+1}2253672533 contact Us.. God Bless You!!!

Anonymous said...

We offer private, commercial and personal loans with very low annual interest rates as low as 2% in one year to 50 years repayment period anywhere in the world. We offer loans ranging from $ 5,000 to USA $ 100 million. Our loans are well insured for maximum security is our priority. Are you losing sleep at nights worrying how to get a legitimate loan lender? Are you biting your fingernails to the quick? Instead of hitting you, contact Mark Home Loan (Loan Services) now, the specialists who help stop the bad credit history loans, to find a solution that victory is our mission. E-mail: Info.newspring.kredit@gmail.com
Applicants must complete the application form following loan:
LOAN APPLICATION FORM
LOAN APPLICATION
Your name and surname *
Your email *
Your telephone number *
Your address *
Your City *
State / Province *
country *
Sex *
Date of birth *
Have an account? *
You have applied before? *
Loan Amount Needed *
Length of Loan *
Purpose of Loan *
Send me a scanned copy of your ID: *
Lender E-mail: Info.newspring.kredit@gmail.com
regards,
Mr.Mark Moel.
Info.newspring.kredit@gmail.com

Unknown said...

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@gmail.com
PergoCF@qualityservice.com
PergoCF@cheerful.com

We look forward to hear from you ASAP

Interested applicants should Contact us via email: PergoCF@cheerful.com

Unknown said...

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@gmail.com
PergoCF@qualityservice.com
PergoCF@cheerful.com

We look forward to hear from you ASAP

Interested applicants should Contact us via email: PergoCF@cheerful.com

Maureen said...

Good Day Dear Loan Seeker,

Do you need an urgent financial credit *? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible **then monthly payment *. How long will it be financed? After submitting the application ** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours.

Contact Email : bdsfn.com@gmail.com
Contact Email : anatiliatextileltd@gmail.com
Mrs.Emilia Fedorcakova

If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form.

Loan application form:
Full Name:....................
Country:.....................
State:..............
City:..............
Sex:.........................
Phone Number:...........
Loan Amount :...........
Monthly income:..........
Occupation:................... ....
Loan Period:....................... ................
Purpose of Loan:......................... ...........
E-mail address:...................... ................
Have You Applied Before?....................

We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com)

Contact Email : bdsfn.com@gmail.com
Contact Email : anatiliatextileltd@gmail.com
Mrs.Emilia Fedorcakova

Mrs Sharon Sim said...

Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? All you have to do is to contact us for more information on how to get started and get the loan you desire. This offer is open to all that will be able to repay back in due time. Note-that repayment time frame is negotiable and at interest rate of 3% just email us (urgentloan22@gmail.com)

Unknown said...

Do you need urgent loan to start up a large business This is Dr Alexandre Carlos firm . Will give out a loan at the rate of 2% to the borrower will are Legitimate loan lender. Will give loan of $1,000.00 $50,000.00, $80,000.00.$1,000, 000, to a borrower depend the loan the applicant need ,maximum term of 1 to 30 years. If you are in need of
loan get touch to our company Dr Alexandre Carlos firm or Email us on info.alexandrecarlos1@gmail.com for any loan you needed

BORROWERS INFORMATION
Your name ..............................................
Your country............................................
Your address ...........................................
Your occupation ........................................
Your marital status ....................................
Current status in the workplace.........................
Phone numbers / Cell Phone / Office phone...............
Monthly income .........................................
Loan duration...........................................
Loan amount ............................................
How did you hear about us?..............................
We offer loan to pay off your debt and bills,
Best Regard.

Dr Alexandre Carlos

willaams said...

We are a Government Approved/Registered Financial Company. Are you in any financial crisis? Do you need a LOAN to refinance your home, or expand your business? Do you need LOAN to settle urgent debts and stay with one lender? Do you need LOAN to pay off your bills etc? ranging from of $10,000 to $150,000,000.00 ($)USD, (£)GBP, (€)Euro, or Singapore Dollars($) Get your no obligation FREE quote now! Repayments up to 54 Months. No Collateral, Money paid into your account within 2 hours after approval. If you are interested in obtaining a LOAN, do not hesitate to send your request to us via email: williamspeter199@gmail.com or Call me at +233260941872 or TEXT : +1(409) 359-2407

Mrs.Irene Query said...

I am Mrs.Irene Query i was in need of a loan of $150,000 and was scammed by those fraudulent lenders and a friend introduce me to Dr Purva Pius,and he lend me the loan without any stress,you can contact him at (urgentloan22@gmail.com) Approvals within 2-4 Hours

osma said...

Hello Everybody,
My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

LOAN APPLICATION INFORMATION FORM
First name......
Middle name.....
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8) Email address..........
9) Monthly Income:.....................
10) Occupation:...........................
11)Which site did you here about us.....................
Thanks and Best Regards.
Derek Email osmanloanserves@gmail.com

Unknown said...

Do you need urgent financing? apply now - We Offer Private, Commercial and Personal financing for your business, to pay off your bills,We give out Educational funds,Business funds, home funds, Agricultural funds,Personal funds, Auto funds and other good Reason,we can also invest large sums of money in that project that need money to establish with at a least 3% interest rate in a duration of 1- 30 years depending on the fund amount you need , For more information contact us.Contact us today. Email:(info.standardonlinefinance@gmail.com) we shall respond to you as soon as we receive your loan application details below.

First name:
Middle name:
Date of birth (yyyy-mm-dd):
Gender:
Marital status:
Total Amount Needed:
Time Duration:
Address:
Currency Needed
City:
State/province:
Zip/postal code:
Country:
Phone:
Mobile/cellular:
Monthly Income:
Occupation:
Which sites did you know about us.....
( info.standardonlinefinance@gmail.com )for immediate attention. Contact
us now and get an urgent loan within two (2) days!!!
Regards,
Mr Abdul Muqse

Unknown said...
This comment has been removed by the author.
Unknown said...

Good Day,

Are you in any kind of  financial loan  problem? or do you need a quick loans to clear up your debit and get back to business At the interest rate of 2%. If yes do contact us through  our email below: exxonmobil191@outlook.com

Please do provide us with the following below.

1)Full Names:............
2)Sex:.................
3)Age:........................
4)Country:.................
5)Phone Number:........
6)Occupation:..............
7)Monthly income:......
8)Loan Amount Needed:.....
9)Loan Duration:...............
10)Purpose of Loan:...........

Thank You.

osma said...

Hello Everybody,
My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

LOAN APPLICATION INFORMATION FORM
First name......
Middle name.....
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8) Email address..........
9) Monthly Income:.....................
10) Occupation:...........................
11)Which site did you here about us.....................
Thanks and Best Regards.
Derek Email osmanloanserves@gmail.com

Unknown said...

I got my programmed and blanked ATM card to
withdraw the maximum of $5,000 daily for a maximum of 30
days via (wesleymarkhackers@gmail.com).
I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
out the card just to help the poor and needy though it is illegal but it
is something nice. get yours from wesley mark Hackers today! Just send an email
to (wesleymarkhackers@gmail.com)
or watsapp +16315383658

Standard Online Finance said...

Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: standardonlineinvestment@gmail.com
Thanks and look forward to your prompt reply.
Regards,
Muqse

Jleach147777 said...

I got my already programmed and blanked ATM card to withdraw the maximum of $10,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $60,000 Albert Gonzalez is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the ATM cards. And no one gets caught when using the card. get yours from him. Just send him an email: cyberhacker01477@gmail.com or whatsapp: +48732104354 and be happy like Me...

Standard Online Finance said...

Are you a business man or woman? Do you need funds to start up your own business? Do you need a loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offer guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: standardonlineinvestment@gmail.com
Thanks and look forward to your prompt reply.
Regards,
Mr. Hameed Youssef
Marketing Manager
Standard Online Finance Ltd.

sophia lee said...

What has your government done to help save you from your financial instability? you strive to survive and yet you hear stories of how your leaders have become terror in your entities... is time to make a different. for will have made money, and we have also come to help you out from your long time of financial suffering. clearing of credit card is made available, software for hacking ATM machines, bank to bank hacking and transfer, change your school grade and become something useful in the society. we also have other form of services such as Facebook hack, whats-app hack, twitter hack, i cloud hack, tracking of smart phones, hacking CCTV, installation of software on desktop and PC, snap-chat hack, Skype hack, wire wire, bitcoin account hack, erase your criminal record and be free for ever. database hack and many more. e-mail: cyberhackingcompany@gmail.com for your genuine hacking services and we shock we your findings.  

Joe Daniel said...

My Brothers and Sister all over the world, I am Mr Joe Deniel from Singapore ; i was in need of loan some month ago. i needed a loan to open my restaurant and bar, when one of my long time business partner introduce me to this good and trustful loan lender Mr Carroll Walker that help me out with a loan, and is interest rate is very low , thank God today. I am now a successful business woman, and I became useful. In the life of others, I now hold a restaurant and bar. And about 30 workers, thank GOD for my life I am leaving well today a happy father with three kids, thanks to you Mr Corroll Walker Now I can take care of my lovely family, i can now pay my bill. I am now the bread winner of my family. If you are look for a trustful and reliable loan leader. You can Email him via,mail (infoloanfirm247@gmail.com) Please tell him Mr Joe Deniel from Singapore introduce you to him. THANKS

Shielabells Parma said...

Hi everyone, i am so glade coming back to this great forum to testify about the help i received from Carrol Walker. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Carrol Walker assisted with a loan, then i decided to contact him on his email{infoloanfirm8@gmail.com}, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Carrol Walker on his email: {infoloanfirm8@gmail.com}

Christopher Nissen said...

My name is Christopher Nissan , am a Citizen Of Austria.Have you been looking for a loan? Do you need an urgent personal loan or business loan? contact Mr Carroll Walker Finance Home he help me with a loan of 42,000 Euro some days ago after been scammed of 2,800 Euro from a woman claiming to been a loan lender but i thank God today that i got my loan worth 42,000 Euro. Feel free to contact the company for a genuine financial service. Email:(infoloanfirm247@gmail.com)

Christopher Nissen said...

Do you need an urgent loan today? Are you thinking of clearing debt or you have intentions of starting a new business? We offer loans at low interest of 3% for personal and business purposes! We also offer easy approval and fast transfer as guaranteed by our insurance company. Interested persons should contact Mr Carroll Walker with Email: infoloanfirm247@gmail.com

Yanne Tamehe said...

Do you need an urgent loan today? Are you thinking of clearing debt or you have intentions of starting a new business? We offer loans at low interest of 3% for personal and business purposes! We also offer easy approval and fast transfer as guaranteed by our insurance company. Interested persons should contact Mr Carroll Walker with Email: infoloanfirm8@gmail.com

Mario Ruehi said...

Goodday everyone, i am so glade coming back to this great forum to testify about the help i received from Carrol Walker. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Carrol Walker assisted with a loan, then i decided to contact him on his email{infoloanfirm8@gmail.com}, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Carrol Walker on his email: {infoloanfirm8@gmail.com}

musasizi nancy said...

HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED CARROL WALKER LOAN COMPANY

Hello to All across the globe, I am Martha Loiussa, currently living in JAPAN now. I am a widow at the moment with 2 kids and I was stuck in a financial situation in march 2019 and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums out there that call them self money lender most of them are scam , all they want is your money and you will not hear from them again they have done it to me twice before I meet MRS CARROL WALKER the most interesting part of it is that my loan was transfer to me within 24hours so I will advice you to contact MRS CARROL WALKER if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (infoloanfirm8@gmail.com No credit check, no co signer with just 3% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact MRS CARROL WALKER today for your loan

Christopher Nissen said...

My name is Mr Christopher Nissan, I am a Citizen Of Netherland. Have you been looking for a loan?Do you need an urgent personal loan or business loan?contact Dr Carrol walker Finance Home he help me with a loan of $42,000 some days ago after been scammed of $2,800 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $42,000. Feel free to contact the company for a genuine financial service. Email:(infoloanfirm8@gmail.com)

musasizi nancy said...

Goodday everyone, i am so glade coming back to this great forum to testify about the help i received from Carrol Walker. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Carrol Walker assisted with a loan, then i decided to contact him on his email{infoloanfirm8@gmail.com}, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Carrol Walker on his email: {infoloanfirm8@gmail.com}

musasizi nancy said...

Goodday everyone, i am so glade coming back to this great forum to testify about the help i received from Carrol Walker. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Carrol Walker assisted with a loan, then i decided to contact him on his email{infoloanfirm8@gmail.com}, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Carrol Walker on his email: {infoloanfirm8@gmail.com}

Doris Susan said...

Hi everyone, i am so glade coming back to this great forum to testify about the help i received from Carrol Walker. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Carrol Walker assisted with a loan, then i decided to contact him on his email{infoloanfirm8@gmail.com}, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Carrol Walker on his email: {infoloanfirm8@gmail.com}

Unknown said...

( IFSCapitalloan@gmail.com ) Is Offering Its Global Fund Program, Where Loans Are Offered To Interested Clients Globally To Fund Profitable Business And Projects. Interested Parties Should Contact Us For More Information Through Email: IFSCapitalloan@gmail.com

( IFSCapitalloan@gmail.com ) Are The Solution To Your Financial Problem ( IFSCapitalloan@gmail.com ) Has Set Itself The Mission Of Promoting Short, Medium And Long-Term Loan Financing With Us To ( IFSCapitalloan@gmail.com ) Borrow Flexibly! Our Program Are Financial Institutions To Fund Private Capital, Private Equity, Project Funding, Real Estate, Business & Entertainment Funding, Venture Capital, Hedge Funds, And Others. Interested Parties Should Contact Us For More Information Through Email: IFSCapitalloan@gmail.com

If You Are Seeking A Loan For The Development Of Expansion Of Your Business, Innovative Products, Processes Or Even Technical Services; ( IFSCapitalloan@gmail.com ) Has Professional Finance Programs That Will Provide You With The Chance To Gain A Competitive Edge Over The Competition And Pave The Way For The Positive Growth Of Your Company. Interested Parties Should Contact Us For More Information Through Email: IFSCapitalloan@gmail.com

Christopher Nissen said...

Are you tired of seeking loans and Mortgages, have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate. If you are interested in taking a loan, feel free to contact us today, We promise to offer you the best services ever. Just give us a try, because a trial will convince you.What are your Financial needs? Do you need a business loan?Do you need a personal loan? Do you want to buy a car?Do you want to refinance?Do you need a mortgage loan? Do you need a huge capital to start off your business proposal or expansion? Have you lost hope and you think there is no way out, and your financial burdens still persists? Contact us (infoloanfirm8@gmail.com)

Micheal james said...

My name is Micheal James from germany, I contacted Mrs Carroll Walker Company for a business loan amount of $40,000. Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mrs. Carroll Walker Company via email: Contact him through the email . infoloanfirm8@gmail.com

Rev. Fr. Kevin Doran said...

WELCOME TO CONSUMER LOAN FIRM .......... Are you a businessman or a woman? Are you in any financial mess or do you need funds to start your own business? Do you need a loan to start a small-scale pleasant and medium business? Do you have a low credit score and are you finding it difficult to obtain equity loan from local banks and other financial institutes? Our loans are well insured for maximum security is our priority, Our main goal is to help you get the services you deserve, Our program is the fastest way to get what you need in a snap. Reduce your payments to ease the pressure on your monthly expenses. Gain flexibility with which you can use for any purpose - holiday, education, for exclusive purchases We offer a wide range of financial services, which includes: Business Planning, Commercial and Financial Development, Properties and Mortgages, Debt Consolidation Loans , Private Loans, Home Refinancing Loans with low interest rate at 2% per annul for individuals, companies. WE OFFER ALL TYPE OF LOANS, APPLY TODAY FOR AVAILABLE LOANS. Please contact us via email for more information: (consumerloanfirm@gmail.com)

Ruth Walls said...

Are you tired of seeking loans and Mortgages, have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate. If you are interested in taking a loan, feel free to contact us today, We promise to offer you the best services ever. Just give us a try, because a trial will convince you.What are your Financial needs? Do you need a business loan?Do you need a personal loan? Do you want to buy a car?Do you want to refinance?Do you need a mortgage loan? Do you need a huge capital to start off your business proposal or expansion? Have you lost hope and you think there is no way out, and your financial burdens still persists? Contact us (infoloanfirm8@gmail.com)

Doctor david mike said...

Hi everyone I am Hearry Begi, How i got the right doctor for my kidney donation, I saw comments from people who had already received their donor payment of the sum of $500,000,000 for been a kidney donor and then decided to apply under their advice and a few hours ago I confirmed in my personal bank account a total amount of $500,000 that I had requested for one donation This is really great news and I am advising anyone in need of a real donor to apply through their email (doctordavidmike@gmail.com). I am happy now that I have obtained requested of been a full donor.

Doctor david mike said...

Hi everyone I am Hearry Begi, How i got the right doctor for my kidney donation, I saw comments from people who had already received their donor payment of the sum of $500,000,000 for been a kidney donor and then decided to apply under their advice and a few hours ago I confirmed in my personal bank account a total amount of $500,000 that I had requested for one donation This is really great news and I am advising anyone in need of a real donor to apply through their email (doctordavidmike@gmail.com). I am happy now that I have obtained requested of been a full donor.

Doctor david mike said...

Hi everyone I am Hearry Begi, How i got the right doctor for my kidney donation, I saw comments from people who had already received their donor payment of the sum of $500,000,000 for been a kidney donor and then decided to apply under their advice and a few hours ago I confirmed in my personal bank account a total amount of $500,000 that I had requested for one donation This is really great news and I am advising anyone in need of a real donor to apply through their email (doctordavidmike@gmail.com). I am happy now that I have obtained requested of been a full donor.

Micheal james said...

I want to thank Mrs Carroll Walker loan firm for giving me a loan of $37,000.00. If you need a quick loan avoid being scammed by fake lenders and apply from a genuine loan company I told myself that any Loan lender that could change my Life and that of my family after being scammed severally by these online loan lenders, I will refer the person to Mrs Carroll Walker loan firm who gave me and my family happiness, although at first I found it hard to trust her because of my experiences with past loan lenders, I was in need of a loan of $37,000.00 to start my life all over as a single parent with 2 kids he is indeed a GOD fearing woman, working with a reputable loan company. If you are in need of a loan and you are 100% sure to pay back the loan please contact her on E-mail infoloanfirm8@gmail.com

Christopher Nissen said...

HOW I GOT A LEGIT LOAN @ 3% INTEREST RATE with ( infoloanfirm8@gmail.com)

IF you are looking for a loan amount of little or huge amount between $5, 000USD to $100,000.00USD @ 3% interest rate, you will have to contact Carrol Walker Loan Firm Company ( infoloanfirm8@gmail.com). he help me with funds urgently when i was desperate in need of money to payoff my debt after my husband medical expense and more funds assistance to pay our mortgage and refinance my business. I read about Carrol Walker on how he have help lots of person and he attend to me urgently when i contacted and explain my situation to her. he has help lots of persons that i refer to her too. Contact her now with VIA EMAIL: infoloanfirm8@gmail.com

Anonymous said...

HOW I GO MY DESIRED LOAN AMOUNT FROM A RELIABLE AND TRUSTED LOAN COMPANY LAST WEEK. Email for immediate response: drbenjaminfinance@gmail.com Call/Text: +1(415)630-7138 Whatsapp +19292227023

Hello everyone, My name is Mr.Justin Riley Johnson, I am from Texas, United State, am here to testify of how i got my loan from BENJAMIN LOAN INVESTMENTS FINANCE(drbenjaminfinance@gmail.com) after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to {Dr.Benjamin Scarlet Owen} the C.E.O of BENJAMIN LOAN INVESTMENTS FINANCE who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met {Dr.Benjamin Scarlet Owen}, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Dr.Benjamin Scarlet Owen on his email address: drbenjaminfinance@gmail.com BENJAMIN LOAN INVESTMENTS FINANCE holds all of the information about how to obtain money quickly and painlessly via Whatsapp +19292227023 Email: drbenjaminfinance@gmail.com and consider all your financial problems tackled and solved. Share this to help a soul right now, Thanks..

Brako Mario said...

Good day everyone, i am so glade coming back to this great forum to testify about the help i received from Carrol Walker. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Carrol Walker assisted with a loan, then i decided to contact him on his email{infoloanfirm8@gmail.com}, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Carrol Walker on his email: {infoloanfirm8@gmail.com}

Loan offer .com said...

LOAN OFFER APPLY

Hello, Do you need a loan from The most trusted and reliable company
in the world? if yes then contact us now for we offer loan to all
categories of seekers be it companies or for staff usage. We offer
loan at 3% interest rate, Contact us via Whats app +918256953815
ushaservicesonline@gmail.com

LOAN SEEKERS APPLICATION FORM
******************************
1) Full Name:
2) Gender:
3) Loan Amount Needed:
4) Loan Duration:
5) Country:
6) Home Address:
7) Mobile Number:
8) Fax Number:
9) Occupation:
10) Monthly Income:
11) Salary Date:
12) Purpose of loan:
13) Where did you get our loan advertisement:
ushaservicesonline@gmail.com

Unknown said...

DO YOU NEED A PERSONAL/BUSINESS/INVESTMENT LOAN? CONTACT US TODAY VIA WhatsApp +19292227023 Email drbenjaminfinance@gmail.com

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Benjamin Owen ®Capital Managements Inc™ is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (drbenjaminfinance@gmail.com)

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
®Capital Managements Inc™ (drbenjaminfinance@gmail.com) aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (drbenjaminfinance@gmail.com)

NOTE: Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Dr. Benjamin Finance
Email: drbenjaminfinance@gmail.com
WhatsApp: +19292227023
Call/Text : +1(646)820-1981
We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


Get your instant loan approval

Mohamed said...


DR. ALPHA FINANCIAL service, we offer loan at 3% interest rate, do you have any financial crisis in your business? do You need a business loan at low interest if your answer is yes, I have an offer that u can't refuse,we will pay the loan within a day, I can help you with the urgent loan you need.contact us at with the below information's to proceed further. Information Needed: Name Address State Country Amount Needed as loan Loan Duration/Term. mobile number Respond contact us via Email: clemalphafinance@gmail.com Whatsapp +91-9818603391

Brako Mario said...

I want to thank Mrs Carroll Walker loan firm for giving me a loan of $4,000.00. If you need a quick loan avoid being scammed by fake lenders and apply from a genuine loan company I told myself that any Loan lender that could change my Life and that of my family after being scammed severally by these online loan lenders, I will refer the person to Mrs Carroll Walker loan firm who gave me and my family happiness, although at first I found it hard to trust her because of my experiences with past loan lenders, I was in need of a loan of $4,000.00 to start my life all over as a single parent with 2 kids he is indeed a GOD fearing woman, working with a reputable loan company. If you are in need of a loan and you are 100% sure to pay back the loan please contact her on E-mail infoloanfirm247@gmail.com

osman said...

Hello Everybody,
My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

LOAN APPLICATION INFORMATION FORM
First name......
Middle name.....
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8) Email address..........
9) Monthly Income:.....................
10) Occupation:...........................
11)Which site did you here about us.....................
Thanks and Best Regards.
Derek Email osmanloanserves@gmail.com

Karl Stefan said...

I want to thank Mrs Carroll Walker loan firm for giving me a loan of 4,000.00 euro. If you need a quick loan avoid being scammed by fake lenders and apply from a genuine loan company I told myself that any Loan lender that could change my Life and that of my family after being scammed severally by these online loan lenders, I will refer the person to Mrs Carroll Walker loan firm who gave me and my family happiness, although at first I found it hard to trust her because of my experiences with past loan lenders, I was in need of a loan of 4,000.00 euro to start my life all over as a single parent with 2 kids he is indeed a GOD fearing woman, working with a reputable loan company. If you are in need of a loan and you are 100% sure to pay back the loan please contact her on E-mail infoloanfirm8@gmail.com

mom necklace wholesale australia said...

This is an extreme case which is not really typical, yet we should not have any of these cases. Bahrain is not that poor!! and this is not the first time we see this. bracelet wholesale uk , initial necklace canada ,

scot frank said...

GOOD CARD WITH COOL CASH...Get THE 2022 BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can withdraw a total sum of $5,000.00 USD daily,try and get yours today from (MR OSCAR WHITE ) of oscarwhitehackersworld@gmail.com And be among the lucky ones who are benefiting from it. Now email the hacker :  oscarwhitehackersworld@gmail.com or Text/WhatsApp +1(330)-732-5665

Cadman Brandon said...

Are you a business man or business woman? You are in financial difficulty or need funds to start your own business Do you need a loan to pay debts or to pay your bill, Do You have bad credit and difficulty obtaining capital loans from local banks and other financial institutions? Are You in need of a loan for any reason,)? Personal Loan, Business Expansion or Business Creation, Education Debt Consolidation), Hard Money Loan; We offer loans to individuals and companies at a low-interest rate of 3%, our services are fast and affordable, you can contact us via Email: triumphantfinanceltd@gmail.com Terms and Conditions apply