إمكانية وصول الأشخاص ذوي الإعاقة

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تغيير ألوان الموقع
خلفية صفراء ونص أسود
خلفية سوداء ونص أصفر
  • The product targets micro & small Business Owners that are home based (registered and non-registered) and independent businesses, who are looking to for a loan to start a small home business or enhance their home business.
  • Existing clients can be re-financed when meets the products requirements.

Loan amounts

Home based business

Licensed business

300 – 2000 JD

1001 – 3000 JD

Product Category

Taafi home (A)

Taafi home (B)

Taafi Business (A)

Taafi Business (B)

Loan Ceiling

300–600 JD

601 – 1000 JD

1001 – 2000 JD

1001 – 2000 JD

2001 – 3000 JD

Repayment Terms

15 months

20 months

24 months

24 months

30 months

Percentage of Yearly Administration fees

19.8%

19%

18.9%

18%

Grace Period

1 – 2 Months

1 – 3 Months

Business working capital

To take into consideration the study of the client’s credit record and cash flows.

To take into consideration during the credit study that the value of the loan does not exceed 35% -40% of the value of the working capital. The value of the granted loan may be reconsidered after studying his credit record and cash flows, and in case the client is a repeated client.

DBR

55%, DBR is measured by dividing all the client’s active loan installments by the total income.

Grace Period fees

# days (from the disbursement day till start of grace period)/360*loan amount*interest rate

Loan disbursement method

Through e-wallet

Grant Commission

Loan amount

from every monthly installment beginning from check disbursal.

300 – 2000 JD

1JD

2001 - 3000

2JD

Penalties

The percentage reaches 0.003 daily from the amount of the loan and/or due installments from each day of delay at a minimum of 1JD a day from every day of delay from paying an installment or part of an installment at the due date.

Repayment options

NMB Branches / or by collection cheques

E-Fawateercom

Commercial Banks (Housing Bank & Jordan Kuwait Bank)

NMB Mobile App.

Guarantees

as shown below and as a minimum for guarantees as it may be more based on the evaluation of the branch manager. Or regional manager or request for enhancement from the credit review unit.

300 – 500 JD

501 – 1000 JD

1001 – 1300 JD

1301 – 3000 JD

• A personal guarantor to be from outside the family.

• proof of income for the guarantor if he is from within the family

• Two personal guarantors, regardless of the relationship

• proof of income for the loan for one of the guarantors or the client for loans between 801-1000 dinars

• Two personal guarantors, regardless of relationship

• proof of income for one of the guarantors, whether the customer is new or repeated.

• Two personal guarantors, regardless of relationship

• proof of income for the guarantors

Required Documents

300 – 500 JD

501 – 1000 JD

1001 – 1300 JD

1301 – 3000 JD

• Initial papers for the client and guarantor.

• Proof of income for the guarantor if he is a family member.

• Client financial data and income statement.

• Initial papers for the guarantors.

• Proof of income for the guarantors (depending on the nature of the work & according to the guarantees policy).

• Client financial data and income statement.

• Initial papers for the guarantors.

• Proof of income for one of the guarantors (depending on the nature of the work & according to the guarantees policy).

• business official documents (registration certificate, working license, etc)

• Client financial data (business budget & income statement, and working capital value be clarified).

• Initial papers for the guarantors.

• Proof of income for the guarantors (depending on the nature of the work & according to the guarantees policy).

• business official documents (registration certificate, working license, etc)

• bank account statement last 6 months if available.

• Client financial data (business budget & income statement, and working capital value be clarified).