Loans for personal purposes
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Frequently Asked Questions
How can I apply for a loan?
You can explore our loan products on our website and submit an inquiry online. Alternatively, you may visit the nearest branch to receive personalized assistance and apply in person. Our loan specialists are available to guide you through every step of the application process.
What are the eligibility requirements for a loan?
To qualify for a loan, applicants must meet the following criteria:
Be of legal age.
Have a verifiable and stable source of income.
Maintain a positive credit history with no overdue debts or negative records with financial institutions.
Specific requirements may vary depending on the loan product. Please review the terms and conditions for details.
How long does it take to process a loan application?
Loan processing times vary depending on the product type and individual assessment. However, we strive to provide a decision as promptly as possible, typically within a few business days.
What is the minimum and maximum loan term?
The loan term is determined based on the selected loan product and the applicant’s financial profile. Please refer to the specific product terms for exact details.
How is the interest rate determined?
Interest rates are calculated based on multiple factors, including the loan type, loan term, and applicant’s credit profile.
Can I repay my loan early?
Yes, early repayment is allowed without penalties. Paying off your loan ahead of schedule may reduce the total interest paid over the loan term.
What happens if I miss a payment?
Missing a payment may negatively impact your credit score and result in late payment fees. If you anticipate difficulties in making a payment, we strongly recommend informing the bank in advance to discuss possible solutions.
What are annuity and differentiated repayment methods?
Annuity Payments – Fixed monthly payments remain consistent throughout the loan term. Initially, a larger portion covers interest, while the principal repayment increases over time.
Differentiated Payments – Monthly payments decrease over time as the principal portion remains fixed while interest is calculated on the outstanding balance. Payments are higher at the beginning of the loan term and gradually decrease.
Can I apply for a second loan if I already have an existing one?
Yes, obtaining a second loan is possible; however, approval is subject to an evaluation of your credit history, debt-to-income ratio, and overall financial standing.
📌 For detailed terms and conditions or further assistance, please visit the nearest branch or consult with our loan specialists.
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