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What Are the First National Bank Loans Available in Johannesburg?

Do you live in one of the most populated areas of the country? Are you looking for a bank that meets your expectations? Stop doing that! You have just found what you need. First National Bank is one of the main banking companies of the country. It is among the four most prestigious companies that are providing financial help to as many citizens as possible.

                One of the strategies to reach more and more clients as time goes by is opening offices in different areas and Johannesburg is not the exception. In this post, we will show you where there are offices of First National Bank in such city as well as some of the different loans that are available. What is more, we will develop the specific requirements to accelerate the application process.

                LENDING PROGRAMS

1. Home loans

                In order to facilitate the acquisition of a home, you can choose between buying of building it. With First National Bank, both options are possible:

                *To finance HOME PURCHASE, you can ask for amounts of money from a minimum of R100000. Interest rates will be based on your credit history and the length of the financial period you choose. Such financing can go from 12 to 60 months. Imagine you need R750000 to buy a home in Johannesburg. You can ask for a minimum interest rate of 10% and finance such interest and principal in up to 20 years. The initial payment will be of R32985, and them, you will make 240 payments of approximately R7487 plus some fees of R68 per month.

                *To finance HOME BUILDING, the bank lends money to start construction up to three months after approval and to finish it within a period of one year. Financing can be distributed in a terms of up to 20 years. It is important to know that at the beginning of the loan, you will need to make a deposit of 10% to affront expenses.

2. Car loans

                First National Bank has also designed a loan that will be useful to facilitate car purchase. The program is available to buy either new or used car from private sellers or a dealer. As far as financing is concerned, interest rates go from 7% to 20%. Such interests and principals have an maximum financing period of 20 years.

                A car value can be of R57000. If you want to repay the money in 4 years, interest rate can be as low as of 12%. As a result, you will have to pay 48 monthly installments of approximately R1500.

3. Personal loans



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                As homes and cars are not the only needs in life, you can also resort to personal loans to buy new furniture, to improve your current home or either to finance vacations. The amounts of money that First National Bank offers go from a minimum of R1000 to a maximum of R150000. You can apply for fixed interest rates so as to keep the same payments for periods of up to 5 years of length.

4. Temporary loans

                If you need quick and easy cash money, you can save the application process asking for temporary loans. For those in a hurry, they can withdraw lower amounts of money from any ATM and use it whenever need it. In most cases, this money is used to affront in medical expenses, urgent appliances such as the purchase of a fridge, and even more. Clients will have up to 6 months to return the money borrowed.

                CONTACT INFORMATION, APPLICATION AND REQUIREMENTS

                Once you have an idea of what First National offers as lending products, let’s see how you can apply for them:

In person: if you prefer talking to representatives in person, there are many branches to find them. One of them is located in the area of Bank City. The exact address is 3, First Place. Professionals are available from Monday to Friday from 8a.m. to 5.30p.m. and on Saturday from 8a.m. to 1p.m. On Sundays, its doors are closed. In this timetable, there is a phone number you can communicate that is 11 688 9900. Another office can be found in Park Central Shopping Centre. It is located at Twist St. The phone line of this branch is 11 220 0700 and support hours are based on the shopping timetable.

Online: having access to the official FNB website can be really useful. You can choose the loan that seems most convenient, read more about it and start applications without moving from your chair. In case you want further information about the programs or you want to make comments, you can send e-mails to homeloans@fnb.co.za or personalloans@fnb.co.za.

By phone: the company has also a well organized system of phone numbers that is available from Monday to Saturday approximately from 8 a.m. to 5 p.m. The number for phone application is  0861 40 40 40 and the number for exclusive data about home loans is 087 730 11 44.

                After having read all the details about First National Bank loans and application, let’s take a look at the papers you need so as to save time when applying. First, you need your ID so as to prove that you are 18 or older. In case you are married, the bank will ask for your marriage certificate. Besides, you will need to have at least, the last three payment stubs to guarantee incomes. And finally, you are required to show an invoice or tax as a proof of address.

                To conclude, regardless of the purpose of the money, First National Bank is ready to financially help Johannesburg’s citizens. There is a wide variety of lending programs available that are useful from home acquisition to car purchase. Stop letting money be a hinder to happiness. Go to First National Bank and start living the kind of life you and your family are in search of.

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Questions and Answers

How do I know I qualify for a loan?
The first step is to contact the company, either by phone, email or in person. You must have a salary of at least R 2500 on a monthly basis, a good credit record and recent financial statements and payslips. Those are the requirements for eligibility.
Is First National available at weekends?
It is difficult to find an office open on Sunday.
Can I apply for a student loan with 17 years?
No. You are required to be 18 or older.
What can I do if I cannot afford monthly payments?
The bank has many refinancing programs available.

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