CREDIT PRODUCTS

Format

This section clearly categorizes the various structures and features present in our credit products.

General objective

The credit products have been structured to address risky potentials available in our credit operations. This is to make up for the gap created by potential losses on loans disbursed.

Note: Legal entitlement to receive credit

An assessment must be made to determine whether the applicant fulfils the criteria to be legally entitled to borrow. In any event, the legal status of the loan applicant (and the authority of any appointees to act on behalf of their company) must be ascertained.

The applicant can be:

•  Juridical Person,

•  Physical person (unregistered sole proprietor), or

•  Individual ( salaried worker)

Loan Category List

1. Business Loans
- Express Trade Finance
- Express Manufacturers Loan
- Express Service Finance

2. Consumer Loans
- Express Educational Loans
- Express Household Credit
- Express rent advance
- Express Auto Loan

3. Housing Loans
- Housing renovation loan

4. Other Loans
- Express Contract loans
- Express Susu Credit