Scotiabank

Kompiuni Ovaaviyu an Bakgrawnd a Gayana

Skoshabank, ar di Bank a Nova Skosha Gayana Branj, a wan big bank we a werk a Gayana sens 1968. Dis bank kom fram Kanada an aafa aal kain a fainanshal servis fi evribadi – fram pipl we a get pee evri mon-t, te big bizniz an govarnment enti-tiz. Wid wan netwok a fai branj aal roun di kon-tri an wan strangk digital sistem, Skoshabank a wan important plaia a di Gayana ekonami.

Di bank staat sens di twenti-tird a Septemba, 1968. Dat taim dem rijis-tar fram di Bank a Nova Skosha we dier a Toronto, Kanada. Skoshabank a wan bran-j a di main kompiuni, so a dem wuola dem aan. Dat miin se dem ha di bakin a wan intanashanal fainanshal powa. Dem opareet anda di Bank a Gayana luk-ova, an dem aalweez folo di ri-gyu-leshans dem we di laa se, laik di Intanashanal Fainanshal Ripuotin Stan-daadz (IFRS).

Baiz di tuu tawsan twenti-fo fainanshal ripuot, Skoshabank mi ha fai-ti-tri point nain bilian Gayana daala in gross loan. Dem mi mek tri point ayt bilian daala net moni fi di yier. Dis a sho se di bank di duu gud, an dem di gi aal kain a loan fi help pipl an bizniz gruu a Gayana. Di kon-tri manija a Miss Nafeeza Gaffoor, an she a wan a di key pipl we a ron di bank a Gayana.

Di Loan Dem We Skoshabank Aafa an Wat Yu Need Fi No

Skoshabank ha aal kain a loan we fi fit difrent difrent niid. Fram wen yu want fi bay wan kai, te wen yu want fi bil wan hous, dem ha sumting fi yu. Lena we di loan dem aafa:

Pipl Loan (SkoshaPlan)

• Sikiurd Loan (Wid Dipazit ar Ada Sikiuriti): Dis a loan we yu put sumting dong laik moni in yu akaunt, ar ada valyuabl ting. Di intris reet start fram siks pursen a-pi-ar (Annual Percentage Rate) fi wen yu put moni in yu akaunt. If yu put ada ting, di intris reet start fram ten pursen a-pi-ar. Yu ku borow fram fo tawsan Gayana daala, an yu ku pay bak op te siks-ti mon-t.
• Ansikiurd Loan (Widout Sikiuriti): Dis a loan we yu no ha fi put op notn az sikiuriti. Di intris reet start fram twel pursen a-pi-ar. Yu ku borow fram fo tawsan Gayana daala tuu, an yu ku pay bak op te siks-ti mon-t. Fi big ansikiurd loan, yu mai need wan garantor (wan pipl we se dem gon pay if yu no ku).

Kai Loan (Auto Loan)

• Skoshabank ku gi yu op te wan honjrid pursen fainansin fi di kos a di kai. Dat miin se yu no ha fi put dong no moni. Dem ha speshal reet fi kai loan, bot dem no mi gi di ekzak reet.

Hous Bil Loan (Home Builder Loan)

• If yu a plan fi bil ar rinyuweet yu hous, dis loan a fi yu. Wan gud ting a dat dis loan ku chyenj intu wan regular hous loan (mojij) wen yu fini bil di hous.

Bizniz Loan

• Skoshabank a help smal an big bizniz tuu. Dem aafa loan fi wokin kyapital (moni fi run di bizniz evri dee), term loan (loan we ha wan set taim fi pay bak), an tred fainans (moni fi import an eksport gud). Dem tuu a gi mojij fi komorshal bil-din.

Hous Loan (Mojij)

• Fi pipl we want fi bay wan hous, Skoshabank a gi mojij. Yu ku put dong az likl az ten pursen a di kos a di hous, an yu ku pay bak op te twenti-fai yier. Dem ha speshal reet fi mojij tuu. If yu already ha wan mojij wid ada bank, Skoshabank ku help yu swich it ova to dem an som taim dem ku gi yu bak sum moni.

Intris Reet, Fiiz an Tigaz

• Intris Reet: Az mi menshan arliya, pipl loan intris reet start fram 6.00% APR fi sikiurd wid dipazit, an 12.00% APR fi ansikiurd. Bizniz an mojij reet a ne-goshieyabl, we miin se yu ha fi taak wid dem fi get di bes reet.
• Fiiz:
  • Aplikeshan ar Orijinieshan Chyaaj: Fram fai tawsan te twel tawsan fai honjrid Gayana daala, dipen-din pan how big di loan a.
  • Let Peement Chyaaj: Tri tawsan fai honjrid Gayana daala evri taim yu let fi pay.
  • Rifainans or Ekstanshan Chyaaj: Wan point fai pursen a di peement amawnt if yu chyenj di loan tigaz ar mek it langa.
  • Sikiuriti Valyuweshan / Kredit Ripuot Chyaaj: Bowt twenti US daala ar tri tawsan te fo tawsan Gayana daala.
• Sikiuriti Niid: Fi sikiurd loan, yu ku put op moni in akaunt, staak, lan ar bil-din, ar kai. Fi big ansikiurd loan, yu mai need wan garantor.

Hou Fi Aplai an Di Digital Opreshan a Skoshabank

Skoshabank mek it izi fi aplai fi loan an duu yu bankin. Dem ha difrent difrent we fi get servis:

Aplikeshan Chyanel

• Fon Aplikeshan (Skosha Karibian Ap): Yu ku duu aal kain a bankin an even aplai fi som servis fram di Skosha Karibian Ap we yu ku download pan yu Ayi-O-Es ar Anjroid fon.
• Intanet Websait (Skosha OnLain): Dem ha wan komprihensiv onlain bankin poortal we yu ku yuuz fi manage yu akaunt, pay bil, an aplai fi loan.
• Branj: If yu prefa fi taak tu wan pipl fes-tu-fes, Skoshabank ha fai branj aal roun Gayana – a Jaojtawn, Nyuu Amsteram, Bartika, Linden, an Esikibo. Dem tuu ha speshal senta fi bizniz bankin.

Hou Yu Aplai an Wat Yu Need

• Aplai Online: Yu ku duu wan fuli digital ap fi aplai fi loan we ku tek yu az likl az fiftiin minit. Yu ha fi op-load yu Ayi-Di, dem gon veri-fai yu infamieshan, an yu ku ivn e-sain di papaz.
• Aplai a Branj: If yu a go a branj, yu gon need:
  • Wan valid Ayi-Di (paspuot ar nashanal Ayi-Di kaad)
  • Yu pee slip ar pruuf a inkom
  • Yu Tin Nomba (Taaks Ayi-Di-en-Tifikieshan Nomba)
  • Pruuf a adres (laik wan bil fram Ji-Pi-El ar Ji-Dobol-Yu-Ai)
  • Kompliit wan aplikeshan faam.
• Hou Dem Desaid If Dem Gon Gi Yu Loan: Skoshabank ha dem oan sistem fi luk at yu inkom, if yu job stiebl, how much det yu already ha, an yu kredit his-tri. Dem ku luk at ada ting tuu, an dem aalweez valyuet sikiuriti gud.

Hou Yu Get Di Moni

• Wen yu loan apruv, Skoshabank ku gi yu di moni wid bank chansfa tu yu akaunt, ar yu ku get it thruu Mobail Moni Gayana intigrieshan. Yu ku ivn go a branj an get kyash sum taim.

Fon Aplikeshan Fiichaz an Yuuza Ekspeeriens

• Di Skosha Karibian Ap a wan veri yuusful tuul. Yu ku login wid yu finga print ar fees, mek chansfa bitwiin akaunt, an pay bil fi servis laik Ji-Pi-El, Ji-Dobol-Yu-Ai, an Digisel. Pipl di gi di ap gud reeting – bowt fo point tri pan Ayi-O-Es an fo point wan pan Anjroid. Pipl laik di ap bikaaz it izi fi yuuz, bot som taim dem komplain bowt dat it don werk.

Hou Skoshabank Kompair wid Ada Bank an Praktikal Advais Fi Yu

A Gayana, di bankin maakit a kompe-ti-tiv. Skoshabank a wan a di tap tri bank fi loan an dipazit, wid bowt twenti pursen a di maakit. Dem main kompe-ti-tor a Ripoblik Bank, Bank a Baroda Gayana, Demerara Bank, an Ji-Bi-Ti-Ayi.

Wat Mek Skoshabank Difrent

• Kyanadian Kwaliti Digital Plaatform: Skoshabank ha wan a di bes digital bankin sistem a di riijan, laik how dem ha a Kanada. Dis mek bankin an aplai fi loan izi an efishent.
• Riijanal Ekspertiz: Dem no di Karibian an di Gayana maakit gud, so dem ku aafa servis we fit di lokol niid.
• Komprihensiv Tred Fainans: Dem speshal gud wid moni fi tred (laik letaz a kredit), we a help bizniz fi import an eksport.

Ri-gyu-la-tori Stietos an Luk-Ova

Skoshabank a rijis-tar an a get luk-ova bai di Bank a Gayana anda di Fainanshal Instityuushan Akt nain-tin nain-ti-fai. Dem ha fi folo aal di ruul dem fi Anti-Moni Laundrin an fi stap bad moni fram fainansin terorizm. A tuu tawsan iet an tuu tawsan twenti-wan, dem mi try fi sell out dem opreshan a Gayana, bot di ri-gyu-le-taz mi stap it bikaaz a som papawork izhu. Bot dem aalweez duu dem bes fi bi chansparent wid reet an fiiz, an dem ha wan yuunit we a hanl komplain.

Kus-toma Ekspeeriens an Komplain

Ovaraal, di Skoshabank ap get gud reeting fi how konviiniant it a. Bot som pipl komplain bowt dat di loan apruuval tek lang, an dat dem haad wid valyuwietin sikiuriti. If yu ha prablem, yu ku kaal dem twenti-fo awaz a dee, seven deez a wiik pan tuu tuu tri-H-E-L-P. Bizniz kliyent ha dem oan rilieshanship manija.

Praktikal Advais Fi Yu We Want Fi Borow

If yu a tink bowt borowin moni fram Skoshabank, here a som ting fi luk out fi:

• Aalweez Chek Di APR Gud: Di Annual Percentage Rate (APR) a di truu kos a di loan, inkluud-in di intris an fiiz. Mek shu yu undastan it bifoa yu sain.
• Undastan Aal Di Fiiz: No aal di fiiz dem we mienshan abov. Ask Skoshabank fi wan ful lis a aal di chyaaj dem we kom wid yu spesifik loan.
• Kompair Wid Ada Bank: Don jes go wid di fos op-shan. Luk at Ripoblik Bank, Bank a Baroda, Demerara Bank, an Ji-Bi-Ti-Ayi tuu. Kompair intris reet, fiiz, an tigaz bifoa yu mek yu desizhan.
• Rid Di Tigaz Dem Aalweez: Di smal print a important. Mek shu yu rid an undastan aal di kawn-dishan an tigaz a di loan agrii-ment. If yu no undastan, ask sombadi fi eksplain it tu yu.
• Mek Shu Yu Ku Pay Bak Di Loan: Bifoa yu tek di loan, mek wan plan fi how yu gon pay it bak. Mek shu yu inkom stiebl inof fi hanl di mon-t-li peement widout prablem.

Skoshabank a wan big an stiebl bank a Gayana, wid difrent difrent loan op-shan an wan strangk digital presens. Wid di rait apruuch an dif yu duu yu risaach, yu ku fain wan loan we fi help yu achiiv yu fainanshal guul.