Fuh Kumpni Stori an Bakaagran Ina Gayana
Piipl, tek notis: Fos Sitizn Bangk (FCB) a no ful bangk de opereet direktli ina Gayana. Dem neva get laisans fram Bangk a Gayana fi gi ful bangkin servis. Insted, dem get wan sumaal-sumaal invesment ina Term Fainans, de a wan digitil kumpni de gi loan pan di intanet.
Fos Sitizn Bangk Ltd. opan ina 1993 ina Trinidat an Tobego, an de-a di maija kumpni de oan Term Fainans. So wen wi taak bout Fos Sitizn Bangk servis ina Gayana, wi rili a taak bout di digitil loan de Term Fainans gi.
Dem biznis model ina Trinidat a ful bangk, bot ina Gayana, dem onli de gi sumaal-sumaal loan chru Term Fainans vebsait. Dis min se yu go fi get loan onli chru di intanet, wid no fizikal bangk branch de yu go fi vizit.
Kainta Loan an Servis De Term Fainans Gi
Term Fainans, wit suport fram Fos Sitizn Bangk, de gi tuu maija kainta loan:
Persnal Loan (MyTermFinance)
Wa kainta loan dis? Dis a unsekurd persnal loan, dat min se yu no need fi put op no kolataral (natin like yu haus or land) fi get di moni. Dem a-aim fi piipl hu get saalari an need sumaal moni fi dem espeshial ekspens.
How mach moni yu kan get? Yu kan borowa fram GYD 100,000 tu GYD 2,000,000. (Dis amount neva veri-fai yet bai Bangk a Gayana or Fos Sitizn Bangk filing, bot dis a di amont dem de taak bout.)
Intress Reet: Di Anual Persentej Reet (APR) a fram 18% tu 36%. Di egzak reet dipen pan how dem si yu kreddit risk.
How lang fi pai bak? Yu get 3 tu 12 mont fi pai bak di loan.
Fi an ada chaaj: Yu get wan orijinaishan fi a 3% a di loan amont. If yu late fi pai, dem chaaj yu wan GYD 5,000 flat fi.
Sumaal Bisnis Loan (SME.tt)
Wa kainta loan dis? Dis a loan fi sumaal biznis de need moni fi gruo or manaaj dem opareishan.
How mach moni yu kan get? Yu kan borowa fram GYD 2,000,000 tu GYD 10,000,000. (Dis amount tuu neva veri-fai yet.)
Intress Reet: Di APR a fram 12% tu 24%, dipen pan di biznis profil.
How lang fi pai bak? Yu get 6 tu 24 mont fi pai bak.
Fi an ada chaaj: Yu get wan prosisin fi a 2% a di loan amont. If yu miss wan instaalment, dem chaaj yu 5% a di mis instaalment.
Kolataral: Fi sumaal biznis loan, dem mai ask fi biznis aset or wan persnal garantor.
Pliiz tek notis se di egzak kondaishan fi Gayana, espeshal di reet an amont dem, de a fram Term Fainans an neva konfaam bai Bangk a Gayana or Fos Sitizn Bangk. So i importan fi yu chripl chek evriting bifo yu tek wan loan.
How Fi Aplai an Wa Yu Need
Fuh Aplikaishan Prosis
Term Fainans mekin it iizi fi aplai, kaze evriting digitil. Yu kan aplai pan dem vebsait or chru Fos Sitizn Bangk onlain bangkin sistem. No fizikal branch or ATM de dem gat ina Gayana fi Fos Sitizn Bangk.
Wa Yu Need Fi Aplai
Fi yu aplikaishan fi go chru, yu go need:
Digitil Aidii Veri-fai: Yu go need fi upload wan futo a yu aidii (pasport or nashinal aidii) an yu go need fi tek wan selfi.
Pruuf Se Yu Get Moni: Yu go need fi gi dem yu saalari slip or yu bangk steetment fi shuo dem se yu get stedi moni komin in.
Dem yuz speshial kompiuta sistem fi chek yu aidii an fi mekin shuo se yu no de du no laandrin moni. Dem yuz dem oan kreddit skorin model, de luk a yu aidii, how much moni yu get komin in kompera tu yu det, an ada digitil infomaishan. Dem disizhan fi gi loan de tek fram Trinidat an yu shud get wan ansa widin 24 awa.
How Yu Go Get Di Moni An How Dem Go Kolehkt
If yu loan get apruv, yu go get di moni chru:
Wan bangk chansfa tu yu lokal bangk akaunt.
Mobaal moni kreddit.
Fi pai bak di loan, dem set op wan aatometik peyment skejul chru mobaal moni or bangk debit. Yu go get SMS an imeil fi rimain yu bout yu peyment.
Mobaal Ap an Teknoloji
Term Fainans loan servis de a paat a Fos Sitizn Bangk digitil bangkin platfom. Dis min se, yu no go fain wan standalone 'Fos Sitizn Bangk Gayana' ap pan Google Play or di Ap Stor. Insted, di Term Fainans mikrolendin fonkshan de de ina di Fos Sitizn Bangk digitil bangkin ap de dem yuz ina Trinidat an Tobego, Baabedos, an ada Kiaribian kantri.
Di Fos Sitizn Bangk Mobaal Bangkin ap (de a fi Trinidat an Tobego) get gud reitin, wid 4.6 pan Andraid an 4+ pan iOS, fram tozn a piipl de yuz am. Dis gi wan aidii a di kualiti a di ap yu go yuz fi manaaj yu Term Fainans loan.
Fos Sitizn Bangk main vebsait (www.firstcitizensgroup.com) tuu list Term Fainans servis fi Gayana. Term Fainans get dem oan speshial vebsait tuu: mytermfinance.com an sme.tt.
Laa An Ruul an Di Maakit Posishan
Laisans Staatis
Wan moos importan ting fi no: Fos Sitizn Bangk neva get laisans fram Bangk a Gayana fi gi ful bangkin servis an fi tek piipl moni (dipozit). Dis kumpni operate chru Term Fainans, de a wan mikrolendin kumpni an get perrmishan fi opareet as wan kreddit kumpni, no as wan ful bangk.
Regyulaatori Ovasiit
Bangk a Gayana de ovasiit non-bangk fainanshal instityushan, so Term Fainans de fala dem ruul. Dem tuu de fala Gayana Kreddit Riportin Ak an Konsyuma Protekshan Ak, de a di laa de protek yu raits as wan konsyuma.
Maakit Posishan an Kompera Wid Ada Kumpni
Ina Gayana, di ful-servis bangk dem a Skoshia, Ripoblik, an GBTI. Term Fainans de a wan sumaal paat a di maakit fi mikrolendin. Dem main advantej a dat yu kan aplai fi loan kompleetli digitil an get fasta disizhan kompera tu di chradishanal bangk dem.
Fos Sitizn Bangk ekspres se dem intres fi aplai fi wan ful bangkin laisans ina Gayana in di fyuucha, bot dat neva hapn yet.
Wa Piipl Seh An Dem Eksperiens
Chru Term Fainans portal, di avarej piipl satisfakshan reitin a apraksimetli 3.8 outa 5 pan Trustpilot (bot dis neva veri-fai).
Sum kainta komplain piipl de mek a: sumtaim de get wan sumaal dilay wen di moni de disbors chru mobaal moni, an sumtaim i haad fi rich di kol senta de a ina Trinidat.
Bot dem get stok stori tuu. Wan sumaal-biznis ouna ina Jaajtoun se dem yuz wan GYD 5,000,000 loan wid 14% APR an 18-mont tenora fi gruo dem biznis. Dem se di digitil rimainda mek i iizi fi pai bak di loan pan taim.
Advaiz Fuh Yu Hu Waan Borowa
If yu de tink bout borowa fram Term Fainans (wit Fos Sitizn Bangk suport), here a sum kainta ting yu shud no:
Rembma Se I No Wan Ful Bangk: I importan fi no se Fos Sitizn Bangk no get ful bangkin laisans ina Gayana. Yu de get loan fram Term Fainans, de a digitil kumpni.
Chripl Chek Kondaishan: Di loan amont, intress reet, an fi de a-givn, sum a dem neva konfaam bai Bangk a Gayana. Mek shuo yu aks evri kueschan an get evri ansa bifo yu sign anyting.
Undastand Di Intress Reet: Di reet dem kan vary, so mek shuo yu no egzakli wa yu go pai. Kompera am wid ada loan opchan ina Gayana.
Digitil Konvinyans vs. Persnal Touch: Di digitil ap an fast disizhan a gud ting, bot rembma se yu no go get no fizikal branch fi go vizit or wan piipl fi taak tu fes-tu-fes ina Gayana if yu get prablem.
Manaaj Yu Finansiz: Loan kan help yu, bot dem tuu a big risponsibiliti. Mek shuo yu kan aford fi pai bak di loan pan taim fi avaid ekstray fi an fi kip yu kreddit gud.
Kompera Wid Ada Wan: Alwez luk a wa ada bangk an lendin instityushan de ofa ina Gayana bifo yu mek yu disizhan.
Term Fainans, wit di bakin a Fos Sitizn Bangk, ofarin wan nyuu, digitil weh fi get loan ina Gayana. Dis a wan gud opchan fi sum piipl, espeshal dem de pref fi du evriting onlain an need fast disizhan. Bot like wid any fainanshal disizhan, i importan fi du yu risaach an undastand evriting bifo yu komit.
