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JS / Personal / Consumer Finance / JS Balance Transfer Facility
  • Flexible tenure of 1 to 4 years
  • Two (2) post-dated cheques equivalent to six (6) monthly installments each year
  • CNIC holder with minimum age of 21 years to 60 years (at the time of loan maturity) for salaried individuals, and 21 years to 65 years for self-employed individuals
  • Latest Salary Slip with minimum gross monthly salary: Rs. 40,000/- along with proof of employment tenure. In case of Self-Employed Individuals, six (6) months bank statement with Rs. 75,000 Average Balance is required.
  • Application form, Legal Booklet along with copy of CNIC
  • 26% fixed rate p.a. for all those availing Balance Transfer Facility (only those customers availing Personal Installment Loan from any other bank can apply). Applicable on all customer categories.
  • Processing fee is Rs. 3,500/- or 1% of the loan amount (whichever is higher)
  • Legal & stamping charges at actual
  • Late Payment Charges are Rs. 1,000/- per month
  • Credit Protector facility is optional and charged at 0.48% of the outstanding loan amount on monthly basis
  • Early settlement: 1st year = 10% of outstanding loan amount, 2nd to 3rd year = 8% of outstanding loan amount, After 3rd year = 5% of outstanding loan amount

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