Cardin Ventures in partnership with TINUS-NINUS COMPANY LTD

Our professionals are standing by to receive your request in Ghana. The initial project is to help individuals and corporate entities find a lasting solution to housing in Ghana at their own small way and pace. TINUS-NINUS COMPANY LIMITED not making too much profit strives in delivering excellence in affordable housing and property acquisition. Our focus on affordable housing and property acquisition over time has taught us that everyone can own a home and TINUS-NINUS COMPANY LTD affirms that norm. Our well seasoned Engineers, Architects, Technicians and Artisans are at your disposal and convenience. We encourage homeowners design and style since we make it happen. Our equipment and instruments facilitate accuracy in our job delivery, quality and best practice in our construction.

Our homes are designed to meet International Building Codes exceeding Ghana Building Codes. Buildings are made to last with the safety of your family, staff and clients at hand. Our consultants make your lifetime investments structurally safer, more comfortable, convenient and efficient use of materials available.

We have TINUS-NINUS COMPANY LTD aided purchasing schemes for lands in some parts of Accra. The schemes involve meeting land owners over acquisition, site plans and leasehold documentation. The sizes of the plots are 100ft by 80ft. Our aided land schemes cover areas like Michel Camp – Afienya Road, Oyibi, Medie, Doryumu and Kasoa. We also deal with the category of individuals and corporate entities who have uncompleted buildings, properties and projects. TINUS-NINUS COMPANY LTD in an agreement gets these unfinished business completed. TINUS-NINUS COMPANY LTD in helping you realize your dream home or property also brings closer the Ghanaian property market as it is envisaged by the world.

Our services cut across a variety, providing excellent Residential and Commercial Property.  The concept we apply is simple, build and own an affordable housing unit at your convenience and pace.

We guarantee your sound investment over other forms of investment in this financial melt down period. We wish you the best and please do well to contact our Housing Consultants and Engineers now.

 

ESCRODEL

A totally new, unique and secured approach – christened ESCRODEL which is designed to give answers to practically all problems and challenges currently being encountered in the housing finance/construction sector of the construction industry. It is set to give all the major stakeholders a clear benefit and thus every reason to see the projects under this proposal through to their successful completion.

OBJECTIVES OF ESCRODEL

The model ESCRODEL is designed to give clients the assurance that their project funds are safe and intact with a third party till their project’s product is delivered.

It is also set to give prospective home owners house designs of their choice, with the option to modify designs prior to construction to suit their particular and peculiar needs/taste. Above all it is designed and set to provide participating members solid roofs over their heads within the agreed time frame (i.e. get them a house and get it in time).

Escrodel will achieve the following set targets:

• Timely delivery of housing projects.
• In-built quality and style eliminating the need for reworks.
• Developers pre-finance approach ensuring high interest in the project from inception  through to completion.
• Clients input in design, ensuring an end product 100% acceptable to client.
• Elimination of avoidable extra costs arising out of remodeling reconstruction and expansion which are also as a result of the uninvolvement of clients in their designs.
• Increasing the element of trust as a result of project’s product delivery before client’s payment is effected.
• The creation of interesting and exciting neighbourhood as a result of the application of individual taste to each and every single building.
• The procurement of the services of design professionals and consultants at ABSOLUTELY NO EXTRA COST to take client.

BENEFITS

Model ESCRODEL is targeted at people who want to acquire houses without experiencing the heart breaking challenges. The model is therefore woven to provide maximum benefits to clients and prospective home owners who sign up to the program.

‘ESCRODEL’ is a win-win approach for all partners.

BENEFITS TO PROSPECTIVE HOME OWNERS

1.     WE THE DEVELOPERS WILL CONSTRUCT THE BUILDING TOTALLY AND COMPLETELY WITH OUR OWN RESOURCES, ALLOWING YOU TO MAKE PAYMENTS ONLY AFTER WE HAVE FINISHED AND DELIVERED THE PRODUCT EITHER COMPREHENSIVELY OR TO THE AGREED COMPLETION POINT.

2.     Clients get to make inputs into their home designs at ABSOLUTELY NO COSTS.

3.     Clients will have their funds secured, making payments ONLY when it is verified that work has been done to agreed the levels/stages;

4.     At the delivery, you own a home that is built exactly to your taste, thus eliminating the need for expansions and/or reconstruction and remodeling;

5. NO UPFRONT PAYMENT REQUIRED before work is COMMENCED /EXECUTED.

6. YOUR MONEY -IN FIXED DEPOSIT ACCOUNTS- EARNS MONEY FOR YOU WHILE AT THE SAME TIME YOUR BUILDING PROJECT CONTINUES/PROGRESSES

 

THE SERVICES OF TINUS-NINUS COMPANY LTD

The services considered under this proposal are Real Estates Development for individuals and corporate entities and Home Improvement Schemes for property owners. All buildings are done on the land of the individual or corporate entity. Other civil and general building works would be considered upon request from the individual or corporate entity.

REAL ESTATES DEVELOPMENT

In this package TINUS-NINUS COMPANY LTD would develop two-bedroom and three bedroom unit houses for individuals and staff through monthly or quarterly contributions. This is specifically designed for first time home owners and some form of flexibility allowed for changes in housing designs. This project is restricted to a maximum of three years. The living room is directly on top of the garage causing some space to be utilized for other things or leading to another Home Improvement Scheme with TINUS-NINUS COMPANY LTD.

HOME IMPROVEMENT

The Home Improvement scheme deals with those who have acquired property or partly finished property, but there is the need for some changes to be done to make the property suitable for use. This could include extensions and collapsing of certain facets to improve the building and enhancing convenience. The service under this scheme would need a thorough examination of the said property and the necessary quantities taken for total estimation.

SUPERVISORY ROLE

TINUS-NINUS COMPANY LTD takes the responsibility of the house till its complete or built to the level of the agreement. You would then not worry of the dangers of artisans at your Site. Our qualified and trained artisans are dedicated to rendering services making you realize the value for money while you work. The trouble of artisans doing what they want anytime would be a thing of the past since our foremen work tirelessly around the clock to secure your interest in the property. Our staff adheres to busy schedules raising no doubts about our work and commitment.

SERVICE AGREEMENT LEVEL

Our service level agreements are hundred percent in cases where clauses apply for defaulting Clients, TINUS-NINUS COMPANY LTD also has a responsibility to deliver on its promise where a service charge would be applicable and payable to the Client. This would be one hundred Ghana Cedis (GH¢100.00). Where there is the need for changes, TINUS-NINUS COMPANY LTD may change them.

THE OPTIONS

The options available are three (3) – “Poco a Poco”, “Make It Happen” and “Momentum”. Each option comes with own style customization making the customer steer flexibility from design, through building to finishing. The customer has control from start to finish erasing doubts of quality and inputs. A hybrid of the options may be considered studying the conduct and payment trend of the Client.

POCO A POCO

“Poco a Poco” is an option to help the Client build his or her dream house brick by brick. This option has no time limit or expiration until the building is completed. What ever the Client offers in the form of payment or material is used in building the house. TINUS-NINUS COMPANY LTD would charge a percentage on the payment the Client makes every time till the building is completed. The fee is 10% of every payment made by the Client and this would cover services rendered. There are charges imposed on the Client who chooses this option and pulls out for reasons beyond our concern attracting a flat rate of Six Hundred Ghana Cedis (GH¢600.00) as termination charge payable to TINUS-NINUS COMPANY LTD. Instances where the Client decides to use the services of another Estate Developer or building contractor, the contract with TINUS-NINUS COMPANY LTD would be terminated by both parties and the flat rate of Six Hundred Ghana Cedis (GH¢600.00) as termination charge paid to TINUS-NINUS COMPANY LTD.  The minimum number of years under this option is three (3) years and the minimum monthly contribution is Six Hundred Ghana Cedis (GH¢600.00). The agreement binds till the house is completed and handed over. The Client cannot go beyond two months without making a contribution to TINUS-NINUS COMPANY LTD. A failure to comply would attract a delay and default fee of One Hundred Ghana Cedis (GH¢100.00).

MAKE IT HAPPEN

The “Make It Happen” option breaks down the housing and building project you have craved for over the years into four parts and this is the foundation, lintel, roofing and finishing fittings. These four parts can be broken down as per the Client’s choice and convenience. For instance, the Foundation could go further into three parts, that is digging and footing, pillars and filing with sand and the last part being piping and concrete cast. The lintel could go three stages – block laying, wooden frames and concrete beams. The roofing process could go - three stages – wooden planks, roofing sheets and ceiling of roof. Finally the finishing fittings could go – plastering, electrical works, plumbing, painting, tiling, windows, doors and any other feature that would be added.

The cost of our two-bedroom house is GH¢42500.00 and the three-bedroom house is GH¢49000.00.

For the Two-Bedroom House of GH¢42500.00

 

Foundation	GH¢ 10000.00	Level 1
Lintel	GH¢   9500.00	Level 2
Roofing	GH¢ 11000.00	Level 3
Finishing Fittings	GH¢ 12000.00	Level 4

A further breakdown of foundation could be GH¢4000, GH¢3000, GH2000 and GH¢1000

For the Three-Bedroom House of GH¢49000.00

 

Foundation	GH¢ 12000.00	Level 1
Lintel	GH¢  10500.00	Level 2
Roofing	GH¢ 13500.00	Level 3
Finishing Fittings	GH¢ 13000.00	Level 4

A further breakdown of foundation could be GH¢5000, GH¢3500, GH¢2500 and GH¢1000

Once a phase is started, it must be completed by the Client. Any pull out or abrogation would attract a termination charge of Six Hundred Ghana Cedis (GH¢600.00) payable to TINUS-NINUS COMPANY LTD. The payment could be monthly or quarterly making sure the breakdown is paid accordingly. The breakdowns could only go into four parts under each level. In cases where the Client goes beyond the stipulated time in a level for instance making five or more payments under a level would attract a delay and default fee of not less than One Hundred Ghana Cedis (GH¢100.00).  This option cannot exceed three years which is the limit, after which the contract would elapse or end. Another contract would then come into force between the Client and TINUS-NINUS COMPANY LTD. This option ranges between one and three years. A Client could also choose his or her own plan under this option

MOMENTUM

This option uses a breakdown over a period of time between twelve months and three years determining the monthly contribution over the development of the property. The cost of the building is spread over a period of time and monthly payments strictly adhered to.

For the Two-Bedroom House of GH¢42500.00 - the scenario is:

A monthly contribution of GH¢3541.67 for twelve months

A monthly contribution of GH¢1770.83 for twenty-four months

A monthly contribution of GH¢1180.56 for thirty-six months

A monthly contribution of GH¢885.42 for forty-eight months

A monthly contribution of GH¢ 708.33 for sixty months

For the Three-Bedroom House of GH¢49000.00 - the scenario is:

A monthly contribution of GH¢4083.33 for twelve months

A monthly contribution of GH¢2041.67 for twenty-four months

A monthly contribution of GH¢1361.11 for thirty-six months

A monthly contribution of GH¢1020.83 for forty-eight months

A monthly contribution of GH¢ 816.67 for sixty months

The Momentum option has service charges for default and delay. For instance if a Client chooses the twelve months option and for some reason ends up completing on the twenty- forth month, service charges would be applied on each of the additional months. The delay and default fee would be one hundred Ghana Cedis (GH¢100.00) including all monies due TINUS-NINUS COMPANY LTD. The termination charge for abrogation under this option would be Six Hundred Ghana Cedis (GH¢600.00).

WE SAY – MAKE IT HAPPEN