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خلفية صفراء ونص أسود
خلفية سوداء ونص أصفر

Designed for Medium size Business owners for financing capital or making purchases with preference for businesses that have strong and steady cash flows that are managed professionally and chosen after thorough studies.

 

  • Target Audience: Registered Independent Business owners

 

Loan Description

Traditional

Loan Size

5001 - 50000JD

Repayment Period

Max. 48 months (for New and Returning Clients)

Application Fees

40JD (for new clients) and 30JD (for returning clients)

Cut

1% Lump Sum (for new client), 0.5% Lump sum (for returning clients)

Disbursement Fees

5 JD for every monthly repayment from cheque issuance

Grace Period

None unless requested for the first month's payment by client to be deducted from the cheque according to the following calculation: No of days(from cheque issuance to grace period)/360*Loan Amount*Interest

Delay Fees

Reaching 0.003% daily of the amount of the repayment and/or due repayments for every day of delay with a min. of 1 JD daily for every day of delay in paying any installment or a portion of an installment due.

Pricing

11% annually

0.916% monthly

Payment Methods

Cash at Designated Banks or NMB branches or through e-fawateercom or by cheque or by bank transfer from income According to the credit recommendation

Warranties

  1. 2 Guarantors (with proof of income or business ownership)
  2. Mortgage of a vehicle or machine and official disclaimer as well as tender for the public or private sectors

Documentation

  • Basic Paper work
  • License
  • Registration
  • Bank statements for the last 6 months
  • Credit History
  • Guarantors information (identities, commercial records, financial information)

Information from Credit Study

  • Client description
  • Lending hierarchy
  • Latest improvements to the business
  • Reason for loan
  • Financial Analysis
  • Risk assessment (liquidity, activity and growth, profitability, indebtedness, cash flow)
  • Recommendation