Savings
| Account Type | Working Woman Personal Savings | Pensioners Account | Micro Farming Savings** | Micro Enterprise Savings** | SME Savings | Group/Association/ Society** | Fixed Deposit (Contractual Savings) ** |
|---|---|---|---|---|---|---|---|
| Minimum Balance | $100 | $100 | $100 | $100 | $1000 | $500 | $5000 |
| Account Opening Deposit | $100 | $100 | $100 | $100 | $1000 | $500 | $5000 |
| Account Closure | $100 | $50 | $100 | $100 | $1000 | $500 | $100 |
| Account Type | Working Woman Personal Savings | Pensioners Account | Micro Farming Savings** | Micro Enterprise Savings** | SME Savings | Group/Association/ Society** | Fixed Deposit (Contractual Savings) ** |
|---|---|---|---|---|---|---|---|
| Cash Deposit Fee | Nil | Nil | Nil | Nil | Nil | Nil | Nil |
| Cash Withdrawal Fees | 2.5% Min $25 | 2.5% Min $10 | 2.5% Min $10 | 2.5% Min $10 | 2.5% Min $10 | 2.5% Min $10 | Free |
| Statement Request-Branch | $20 per page | $10 per page | $10 per page | $10 per page | $10 per page | $10 per page | Free |
| RTGS | 1.5% Min $50/Max $500 | 1.5% Min $50/Max $500 | 1.5% Min $50/Max $500 | 1.5% Min $50/Max $500 | 1.5% Min $50/Max $500 | 1.5% Min $50/Max $500 | 0 |
| Internal Transfer | 1% Min $25 Max $100 | 1% Min $25 Max $100 | 1% Min $25 Max $100 | 1% Min $25 Max $100 | 1% Min $25 Max $100 | 1% Min $25 Max $100 | 1% Min $25 Max $100 |
| Credit Interest | 2% per annum | 2% per annum | 2% per annum | 2% per annum | 2% per annum | 2% per annum | 2% per annum |
| Balance Enquiry | $10 | $10 | $10 | $10 | $10 | $10 | $10 |
| Withholding Tax on Credit Interest | 15% | 15% | 15% | 15% | 15% | 15% | 15% |
| Monthly Service Fess | $30 | $30 | $30 | $30 | $100 | $50 | Nil |
Loans
| Loan Type | Amount | Tenure | Interest Rate | Administration Fees | Insurance | Savings Requirement (negotiable**) |
|---|---|---|---|---|---|---|
| Microleasing/Asset Finance** | Minimum-$1,000 Maximum-$1,000,000 | 1-36 months | 6% per month flat rate | 6% up-front once off | 10-30% of loan amount requested | |
| Joint Liability Group 1** | Minimum-$500 Maximum-$50,000 | 1 - 9 months | 6% per month flat rate | 6% up-front once off | 1% | 10% of loan amount required** |
| Joint Liability Group 2 | Minimum-$50,001 Maximum- $500,000 | 1 - 9 months | 10% per month flat rate | 7.5% up-front once off | 1% | 10% of loan amount required** |
| Micro Farming Loan 1** | Minimum-$500 Maximum-$50,000 | 1 – 9 months | 6% per month flat rate | 6% up-front once off | 1% | 10% of loan amount required** |
| Micro Farming Loan 2 | Minimum-$50,001 Maximum- $200,000 | 1 - 9 months | 10% per month flat rate | 7.5% up-front once off | 1% | 10% of loan amount required** |
| Micro Enterprise Loan 1** | Minimum-$1,000 Maximum-$50,000 | 1 - 9 months | 6% per month flat rate | 6% up-front once off | 1% | 10% of loan amount required** |
| Micro Enterprise Loan 2 | Minimum-$50,001 Maximum- $2,000,000 | 1 - 9 months | 10% per month flat rate | 7.5% up-front once off | 1% | 10% of loan amount required** |
| SME Loan | Minimum-$1,000 Maximum-$2,00 0,000 | 1- 9 months | 10% per month flat rate | 7.5% up-front once off | 1% | 10% of loan amount required* |
| Corporate Lending (Salary-Based Loans for Staff of Private Companies) | Minimum-$1,000 Maximum-$250,000 | 1-12 months | 7.5% per month flat rate | 7.5% up-front once off | 1% | Nil |
| Civil Servants Loan | Minimum-$1,000 Maximum-$250,000 | 1- 24 months | 7.5% per month flat rate | 7.5% up-front once off | 1% | Nil |
| Pensioners Loan | Minimum$1,000 Maximum$250,000 | 1 - 24 months | 7.5% per month flat rate | 7.5% up-front once off | 1% | Nil |
| Consumer Loan | Minimum-$1,000 Maximum-$250,000 | 9 months | 10% per month flat rate | 7.5% up-front once off | 1% | Nil |
| Loan Type | Product | Amount | Maximum Loan Term | Interest Rate | Administration Fees | Insurance | Savings/Deposit Requirement (**negotiable) |
|---|---|---|---|---|---|---|---|
| Micro leasing Asset Finance Loan 1(Individual)** | MALF1 | Minimum-$1,000 Maximum $ 3,000,000 | 12 months | 2% per month, straight-line | 10% up-front, once off | 1% | 10% of loan amount required** |
| Micro leasing Asset Finance Loan 2(Individual) | MALF2 | 12 months | 5% per month, straight-line | 10% up-front, once off | 1% | 20% of loan amount required | |
| Group Micro leasing Asset Finance Loan 1(Groups)** | GMALF1 | Minimum-$1,000 Maximum $ 3,000,000 | 12 months | 2% per month, straight-line | 10% up-front, once off | 1% | 10% of loan amount required** |
| Group Micro leasing Asset Finance Loan 2(Groups) | GMALF2 | 12 months | 5% per month, straight-line | 10% up-front, once off | 1% | 20% of loan amount required | |
| Micro-enterprise Bus. Loan 1 | MEBL01 | Minimum-$500 Maximum $ 200,000 | 12 months | 7.5% per month, straight-line | 7.5% up-front, once off | 1% | 10% of loan amount required** |
| Micro-enterprise Bus. Loan 2 | MEBL02 | Minimum-$200,001 Maximum $ 3,000,000 | 12 months | 10% per month, straight-line | 10% up-front, once off | 1% | 10% of loan amount required** |
| Joint Liability Group Loan 1 | JLGL01 | Minimum-$500 Maximum $ 200,000 | 12 months | 7.5% per month, straight-line | 7.5% up-front, once off | 1% | 10% of loan amount required** |
| Joint Liability Group Loan 2 | JLGL02 | Minimum-$200,001 Maximum $ 3,000,000 | 12 months | 10% per month, straight-line | 10% up-front, once off | 1% | 10% of loan amount required** |
| Micro Farming Loan 1 | MICRL1 | Minimum-$500 Maximum $ 200,000 | 9 months | 7.5% per month, straight-line | 7.5% up-front, once off | 1% | 10% of loan amount required** |
| Micro Farming Loan 2 | MICRL2 | Minimum-$200,001 Maximum $ 3,000,000 | 9 months | 10% per month, straight-line | 10% up-front, once off | 1% | 10% of loan amount required** |
| SME Loan 1 | SMEL01 | Minimum $1,000 Maximum $10,000,000 | 1-9 months | 10% per month, straight-line | 10% up-front, once off | 1% | 10% of loan amount required** |
| Special SME Loan | SMEL2 | Minimum $1,000 Maximum $10,000,000 | 1-12 months | 7.5% per month, straight-line | 7.5% up-front, once off | 1% | 10% of loan amount required** |
| Civil Servants SSB Loans 1 | SSBL1 | Minimum $1,000 Maximum $500,000 | 1 - 6 months | 10% per month, straight-line | 10% up-front once off | 1% | Nil |
| Civil Servants SSB Loans 2 | SSBL2 | Minimum $1,000 Maximum $500,000 | 1 -12 months | 10% per month, straight-line | 10% up-front once off | 1% | Nil |
| Civil Servants SSB Loans 3 | SSBL3 | Minimum $1,000 Maximum $500,000 | 1 -12 months | 7.5% per month, straight-line | 7.5% up-front once off | 1% | Nil |
| Civil Servants (Special) SSB Loans 1 | SSBSL1 | Minimum $1,000 Maximum $500,000 | 1 -12 months | 5.5% per month, straight-line | 10% up-front once off | 1% | Nil |
| Civil Servants SSB Loans 2 | SSBL2 | Minimum $1,000 Maximum $500,000 | 1 -12 months | 10% per month, straight-line | 10% up-front once off | 1% | Nil |
| Civil Servants SSB Loans 3 | SSBL3 | Minimum $1,000 Maximum $500,000 | 1 -12 months | 7.5% per month, straight-line | 7.5% up-front once off | 1% | Nil |
| Civil Servants (Special) SSB Loans | SSBSL1 | Minimum $1,000 Maximum $500,000 | 1 -12 months | 5.5% per month, straight-line | 10% up-front once-off | 1% | Nil |
| Government Pensioners Loan | GPNL | Minimum $1,000 Maximum $500,000 | 1 - 12 months | 10% per month, straight-line | 10% up-front once off | 1% | Nil |
| ZIMPET | PENL | Minimum $1,000 Maximum $500,000 | 1 - 12 months | 10% per month, straight-line | 10% up-front once off | 1% | Nil |
| Corporate Lending | CPRTL3 | Minimum $1,000 Maximum $500,000 | 1 - 12 months | 10% per month, straight-line | 10% up-front, once-off | 1% | Nil |
| Consumer Loan | CONL1 | Minimum $1,000 Maximum $500,000 | 1 - 12 months | 10% per month, straight-line | 10% up-front, once-off | 1% | Nil |
