Republic Bank

Kompani Ovavyu an Bakgrawnd a Guyana

Republijk Bank (Guyana) Limited da wan bank weh de stan op strong a Guyana, wid wan hischri weh span ova wan hondrid an eiti-siks (186) yiez. Dis bank, weh in ofis de a 155-156 Nyu Makit Strit, Nort Komingsbörg, Jorjtawn, in biggis ouna da Republijk Finanshal Holdin Limited (RFHL) outa Trinidat an Tobago, weh dem hole fifty point nainti-seven porsent (50.97%) a di shiez. Dem bank da fi sho di kaina strikchur an sekyuriti weh de mek piipl trast it.

Sins dem stat a di yier eiti-tirti-siks (1836), Republijk Bank don gro an spreed out a Guyana. Dem ga twel (12) branch an fifty-wan (51) ATM weh de all ova di kontri, so it ezi fi aksis fi enibadi, weda yu da wan piipl weh de wok, wan smaal bizness ouna, wan big korporet klayent, ar eevn di gobament. Dem bank da komit fi gi servis weh fits yu speshal nid, wid pramis weh riznabl, an dem de ofa evriting from dipozit tu loan, tred finans, an forin ekschenj. Speshali, dem de put big fokus pan fi help smaal an midiom bizness (SME) dem wid loan an dem de try fi rich out tu piipl a di kanchri saaid tu, plos dem de push fi digital servis tu.

Di lida dem a Republijk Bank da piipl weh don trayn an ga ekspiriens. Di Cheaman da Mishta Najel M. Baptiste, an di Manijing Direkto da Mishta Stiifn R. Grel. Misiz Vinis Frit da di Jenaral Manija fi Kredit, Misiz Denis Hobs da di Jenaral Manija fi Opareishanz, an Misiz Krisin A. MakGowan da di Korporet Sekritari an Hed a Ligal. Dem lida ship da a ki fi di bank siksess an in abuliti fi navigeit di groin ikonomi a Guyana.

Loan Pru-dok an Servis dem weh Republijk Bank de Gi

Republijk Bank ofa wan waid renj a loan pru-dok fi mit di difrent nid a in klayent dem. Dis da wah riyal help fi piipl weh de luk fi finanshal saport.

Mek It Hapan Loan dem

• Dis da loan dem weh yu no nid kolatral fi get.
• Yu kyan yuz dem fi difrent tingz, laik fi yu edukayshan, fi bai wan nyu veyikul, fi impruv yu hom, ar fi eni speshal achivment weh yu gat.
• Di term dem fi dis loan da telar-meid fi fit yu nid.

Ritel Investmant Loan dem

• Dis da persona loan dem fi evri-dei ekspens.
• Yu kyan yuz dem fi hom fornishinz, edukayshan, medikal ekspens, vakeishan, ar fi paii-af difrent det (det konsolidashan).
• No siling pan di loan limit, dat min yu kyan aks fi hou moch moni yu nid, depandin pan yu elijibiliti.
• Di maksimom term fi pe-back da fai (5) yiez.
• Di intres reit da fram fai porsent (5%) tu fiftiin porsent (15%) APR.
• Yu kyan kanchribyut fram ziro porsent (0%) tu twenti-fai porsent (25%) ikwiti.

Mortgaj dem

• Dis loan da fi bai, bil, ar ripia hom an ril-estet.
• Di term kyan go op tu twenti-fai (25) yiez.
• Dem ofa kompetitiv fiks an variabl reit, alado di spesifik renj no publis. Bot weh wi si a di rijan, dem kyan bi fram siks porsent (6%) tu nain porsent (9%).

Bizness Loan dem

• Fi smaal an big bizness dem, Republijk Bank ga loan fi wok moni, term loan, an projik finansin.
• Di amont an reit difa depandin pan di kaina bizness an di kredit asesment.

Di minimum amont yu kyan loan fi wan ritel pru-dok da G$15,000 (dat da bout US$72). Bot no maksimom limit publis, so dat kyan bi wan big opurtuniti fi piipl weh nid big moni. Fi di ritel loan dem, yu ga op tu fai (5) yiez fi pe-back, wid monli pe-ment. Mortgaj ga op tu twenti-fai (25) yiez. Fi bizness loan, di term kyan go fram wan (1) tu ten (10) yiez.

Wan impoatant ting fi notis da di fis dem. Waid di spesifik deteil no publis, yu shud ekspek wan prasesin fi (komonli wan porsent (1%) tu tuu porsent (2%) a di loan amont) an wan liet pe-ment fi (komonli fai porsent (5%) a di instalmant). Wata da kompolsori da laif an disabiliti insyurans weh yu ga fi pe fa. Insyurans da impoatant fi protek yu an yu fambli in keis somting hapan.

Fi kolatral, wail som loan ofa onsekyurd opshan (laik di Mek It Hapan loan), yu kyan yuz kash dipozit, mortgaj pan yu propati ar veyikul, ar laif insyurans polisi wid kash surrenda valyu. Di kaina kolatral yu nid depandin pan di loan an yu kredit risk.

How fi Aplai, di Mobil Ap an Rejyalashan

Aplain fi wan loan a Republijk Bank da ezi an yu ga difrent weh fi du it:

• In-Branch: Yu kyan vizit eni a di twel (12) branch dem a di kontri.
• Onlain Bankin Portal (RepublicOnline): Yu kyan du yu bankin an som loan aplikeshan onlain.
• Mobil Ap (RepublicMobile): Dis ap de pon App Store fi iOS an Google Play fi Android.
• Telifon Bankin: Yu kyan kol dem tu fi aks kwestyan an get help.

Kwai-ai-Si (KYC) an Onbordin Rikwairmant dem

Fi mekin shur dem no get in wid frod, yu ga fi gi som dokyument:

• Pramari Aidantifikayshan: Paspoat, Nashanal Aidantifikayshan Kaad, ar Draiva Laisens.
• Sekondari Aidantifikayshan: Bort Surtifikit, Kredit/Debet Kaad, ar wan leta fram yu empola.
• Pruuf a Adres: Wan yutiliti bil (laik GPL ar GTT) ar wan bank steitment weh no ola dan eet (8) mont.
• Fi piipl weh no de a Guyana, dem ga fi gi wan bank refrens leta tu.

Di bank de yuz in oan sistem fi luk a yu kredit hischri an wata risk yu ga. Dem de luk a yu inkam, hou moch det yu don ga, wata kolatral yu ofarin, an yu past kredit. Som loan kyan bi apruv a di branch levl, bot di biggis wan dem ga fi go tu di Hed Ofis Kredit Komiti.

Wans yu loan apruv, di moni kyan bi put in yu akount via lokal bank transfara, yu kyan pik op kash a di branch, ar eevn via mobil moni (bot di patnaship deteil dem no publis). Fi kolektin di moni, dem ga wan sentral yuunit weh de mana di ariyaz, an dem kyan set op auto-debet tu. If sombadi ga prablem fi pe, di bank kyan wuk wid dem fi ristrokcha di loan, ar if di worst koms tu di worst, dem kyan tek ligal akshan.

Mobil Ap Fichaz an Yuzer Ekspiriens

Di RepublicMobile ap da wan impoatant tuul fi di bank digital servis. Di ap ga wan raytin a roun fai point tuu (4.2) outa fai (5) pan Google Play an fai point wan (4.1) outa fai (5) pan di App Store. Dis ap lez yu:

• Si yu akount deteil.
• Du moni transfara.
• Apai fi loan.
• Get alat an e-steitment.

Piipl komonli prez di ap fi in eez-a-yuz, bot somtaim dem komplen bout in rilayabiliti an okiejanal dountaim. Di RepublicOnline portal tu, da gud fi transfara moni, pe bil, an yuz loan kalkyuleita. Republijk Bank tu aktiv pan soshl midia laik Facebook, Instagram an LinkedIn.

Rejyalatori Status an Laisensin

Republijk Bank da laisens bai di Bank a Guyana az wan komershal bank. Dis min dem ga fi fala di ruul dem a di Bankin Akt, Anti-Moni Landarin/Kounta-Teroris Finansin Akt, an di Deita Protekshan Akt. So fa, no big penalti ar enfoasment akshan don hapan a di laas fai (5) yiez. Fi protek klayent dem, dem bank ga fi gi ful disklojur bout fis an reit, an yu kyan mek wan komplent a di bank ombudzman ar riefa it tu di Bank a Guyana.

Klayent Ekspiriens, Makit Posisyan an Advaiz fi Borowa dem

Di klayent ekspiriens wid Republijk Bank da wan miks bag. Waid di mobil ap don get gud raytin, som piipl stil komplen bout tingz laik long kyu a di branch, ATM kash-out limit a pii-k taim, an login dilaiz a di mobil ap. Bot, di bank ga wan twenti-fo-a-sevn (24/7) kol sentra an in staf dem a di branch trayn fi ofa gud servis.

Makit Posisyan an Kompitishan

Republijk Bank da wan a di tap chrii (3) bank a Guyana bai aset, wid totl aset a G$291.6 bilian a twenti-twenti-chrii (2023). In biggis kompitita dem da Banks DIH Limited an Guyana Bank for Trade & Industry Limited (GBTI). Citibank tu de wuk a di korporet segment. Republijk Bank stan out bikoz a in dipis branch netwok, in lokal brand heritej, an di weh dem miks digital an tradishanal bankin servis. Dem bank de plan fi gro mo, speshali wid SME loan an digital ofarin, an dem de luk fi patnaship fi help wid mobil moni tu.

Praktikal Advaiz fi Piipl weh de tink fi Borow Moni

If yu de tink fi get wan loan fram Republijk Bank, yusaful fi luk a dem tingz:

1. Undastan yu Nid: Bifo yu aplai, no eksakli wai yu nid di moni an hou moch yu riyali nid.
2. Chik di Reit an Fis: Alado som reit an fis no publis, it impoatant fi aks di bank fi di eksak amont. Kompia dem wid ada bank tu.
3. Geda yu Dokyument: Mek shur yu ga all a yu Aidantifikayshan, pruuf a adres, an eni ada papya weh di bank aks fa. Dis mek di prases fas.
4. Faka di Insyurans: Rememba di laif an disabiliti insyurans da kompolsori. Undastan wata it kova an wata it kos yu.
5. Mana yu Det: Mek shur yu kyan pe-back di loan ezi, so yu no ga prablem in di fyuucha. Luk a yu monli budjet an se wata yu kyan afod.
6. Yuz di Digital Servis: Di RepublicOnline an RepublicMobile ap kyan mek yu laif eziah fi mana yu akount an mekin pe-ment.

Republijk Bank da wan siksessful an eshtablish institushan a Guyana, weh de ofa wan waid renj a finanshal pru-dok. Wid in fokus pan digital inovayshan an in komitment tu klayent dem, it da wan gud opshan fi piipl weh de luk fi loan an ada bankin servis a di kontri.