Personal Loan
For meeting personal needs such as purchase of furniture/ equipments, meeting social obligations , repair of house etc.
- Employees on salaries with 50% debt ratio.
- T-pin
- Applicant must have a salary account with the bank.
- Loan amount linked with the monthly salary or regular income subject to repayment capacity.
- Monthly loan installment not to exceed maximum 60% of the salary net of statutory deductions.
- Applicant must be between 21 and 57 years.
- Loans have tenure of up to 36 months.
- Applicant must have accrued terminal benefits or gratuity.
- Administration fee of minimum K50 up to maximum K200 – flat fee on each successful application.
- Easy access.
- Quick processing time.
- Competitive rates of interest.
- Flexible repayment terms.
- Available across all branch networks of the bank.
- Linked to monthly gross/net salary or income and repaying capacity.
- Maximum 36 months.
- BOZ policy rate plus margin.
- Undertaking from employer for recovery.
- 2.5 to 3 %.
In case of more number of employees MOUs can be arranged with the respective employers. Please contact your nearest branch for further details.
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