Qualifications and Requirements
 Target Group Salaried employees with a salary account with the bank.

Requirements
 - 3 months payslip
 - Letter of salary undertaking or loan deduction from the employer
 - Must have worked for at least 3 years with the employer

Loan amount
 Up to 3 times gross salary

Purpose

 Personal consumption (i.e. Purchase of personal needs such as fridges, cookers,dining set, bedroom set, sofas, holiday, etc).

Interest rate
 Risk Based

Term
 36 months, maximum

Characteristics
 - Early redemptionpermissible
 - Prepayment allowed.

Additional features
 - Loan re-advance after 12months repayment allowance
 - Interest payment can be on annuity or linear basis.

Availability
 All branches of NBS Bank

Benefits
 - Allows you to finance your consumer needs through salary deductions
 - Allows you to shorten your long term finance needs.