This product is an asset finance loan which offers credit facilities to employees of companies approved by the Bank to part-finance the acquisition of personal assets. The assets are grouped into two categories namely: household assets and personal vehicles.

Target Market

  • Corporate Customers
  • SME Customers
  • Retail Customers


  • Maximum of 48 months depending on asset type as follows:
    • Household assets – 12 months.
    • Specified fairly used vehicles – 24 months.
    • New vehicles – 48 months.
    • Obligor limit: GMD 20,000 for household items and GMD 200, 000 for vehicles.


  • Customers would be able to acquire assets without pre-financing the purchase of these assets.
  • The Bank’s pre-financing of the bulk of the asset cost will reduce the pressure on the customer’s salary/income by eliminating the need for large capital outlays

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