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Can the Residents of Pretoria Get Standard Bank Loans? Requirements and Contact Details

     Ar you living at the moment in Pretoria? Are you in need of money tocover your daily needs? You have come to the perfect place to find the solution. Standard Bank will be in charge of giving you the financial protection you need. How? Through their loans. This is abanking company with many years of experience in the market, which has opened many braches all over South Africa. Luckily, Pretoria is included there and you will be able to obtain their loans.

In this post, I will give you details about the main loans you will findat Standard Bank: Home Loans, Business from Home, Personal Loans andVehicle and Asset Loans. In the next section, I will give you the contact details of this bank in Pretora for you to talk to their representatives in order to start operating with Standard Bank.

HOMELOANS

This program takes into account more than 100% of the value of the client´s property, but this client can not be granted more than R100 000, so please bear that fact in mind. The financing periods gofrom 10 to 20 years and the interest rates tend to be verycompetitive. However, clients need to take into account that they can apply for this loan on their own and not on behalf of a company.

Oneof the requirements for obtaining this loan is that the client paysfor the Credit Life Insurance, so as to receive full protection oftheir health. This is specially helpful in cases of accidents or serious medical doncitions that conditions the client´s capacity to finance the loan on time.

Please pay attention to their requirements:

-Clients will obtain the loan as long as they apply for it by themselves and not in representation of a business

-Clients need to have the majority of age, which is 18

-Clients need to earn a monthly income of R 3 500, which is the minimum accepted

-Clients will be requested to open an account with this bank so as to controlthe lending program

-Clients will be requested to acquire an insurance for their home with thebank. This one is called Home Owner Insurance

-Clients need to submit all the documents the banks asks for in the application

Ifyou are attracted to this loan, you need to know you can apply for it in many ways: by dialing up 0860 500 000, which is available from 09:00 am to 5 in the afternoon. You can also go in person to Standard Bank´s physical offices or you can start an online application in the company´s website.

Needless to say, you can not apply for such loan if you want to do it on behalf of a company. Regarding the interest rates, they are fixed orvariable, always determined by the bank at the time of applying for the loan. And, the financing terms have to do with 10 or 20 years.Finally, you need to pay for an insurance called Credit Life Insurance, so as to cover your house from damages.

BUSINESSFROM HOME

You can always manage your business by using your house. You have the chance of financing the money granted through this loan in about 20years, which is the maximum. However, please bear in mind that you will have access not the totality of your house for business, but for the 80% of its value.

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One of the requirements for this program is that you have the majority ofage (18 years old) and possessing an income of R 6000, which should be earned on a monthly basis. The last requirements have to do with obtaining an insurance from the bank named Home Owners Insurance ands ubmitting the documentation you need.

PERSONALLOAN

Regardless of the need you have, this loan can be very beneficial for yorself.For instance, you can finance accumulated debts or expenses that sometimes are hard to afford without the help of a financial institution.

Theinterest rates are highly competitive and you will need to make payments each month, which will be fixed. One of the advantages of this loan is that the application process is quite simple and fast.

VEHICLEAND ASSET LOAN

This loan has been designed to make clients able to finance the asset of their dreams, which can sometimes be a vehicle. There is no limit asregards the money granted, it will depend on the type of assetrequired. And regarding the financing terms, the client will have a variety of periods and payments to choose and fixed interest rates.Finally, the client can choose different options: installment lease,financial lease of full mantenaince lease.

Contactdetails in Pretoria

Inperson

There is a physical office located at Corner Duxbury And LynnwoodRoad, Hillcrest Boulevard - Gp, Hillcrest, Pretoria, City Of Tshwane,0001, South Africa. Its phone number is the following:27 860123 000. This branch opens on Mondays from 08:30 to 03:30 pm and Tuesdays to Fridays from 08:30 to 03:00 pm. It also opens on Saturdays from 08:30 am to 11:00 am.

Thereis another branch found at Wondrboom Junction, Lavender Rd W,Pretoria, 0001, South Africa, whose telephone number is27 12566 9000. This office opens Mondays to Thursdays from 09:00 am to06:00 pm and Fridays from 09:00 am to 07:00 pm. It also opens on Saturdays from 09:00 am to 5 in the afternoon.

Online

Standard Bankhas developed its own official webpage, which is very complete and itis full of information about business and personal banking, and also insurances for clients. There is also a section destined to online  applications. In the same webpage you have the possibility of sending a message or an email to the bank´s consultants so that they are able to give you sa quick response to your questions and concerns. That is a good way of staying in touch with the bank from home.

By phone

There is a specific phone number for any type of inquiries you might have:0860123 000.

To conclude, if you are residing in Pretoria and want to finance ahouse, a car or even manage your business from home, you can take advantage of Standard Bank to cover all those needs. Try to contact this bank and see how it can change your life!

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Questions and answers

How Can I finance my holidays?

You can take advantage of a Personal Loan

Does this company have refinancing programs?

Sure, there are many of them

Does Standard Bank offer loans for professionals?

Sure, there are Business Loans

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