Infɔmeshɔn Bɔt UBA Salone ɛn Aw Dɛn Big Insay Salone
United Bank foh Africa (UBA) Salone Limitɛd na wan pat pan di UBA Grup we de wok ɔlsay na Africa, ɛn i kɔmɔt na Nayjiria. Dis bank kɔmɔt na Salone insay di ia 2008, ɛn frɔm dat tɛm kɔmɔt, dɛn dɔn big pasmak ɛn dɔn bi wan pan di fayv big bank dɛn we de wok na Salone tide. UBA Salone de gi kayn-kayn savis dɛn, nɔto jɔs loan nɔmɔ, bɔt dɛn de gi savis fɔ pɔsin dɛn we de gɛt salári, smɔl-smɔl biznɛs dɛn, big kɔmpini dɛn, ɛn ivin pɔsin dɛn we de kɔmɔt fɔrɛn.
Di bank de wok wit di ide we se ɔlman foh gɛt chans foh gɛt moni foh wok wit, whether na foh dɛn yon biznɛs ɔ foh dɛn pɔsin nid dɛn. Dɛn gɛt bɔku branj dɛn ɔlsay na Salone, ɛn dɛn gɛt ivin ap we yu go yuz pan yu fon. UBA Salone na wan layzɛns bank we di Sɛntral Bank foh Salone de luk afta, so dat min se dɛn de wok wit ɔl di rul dɛn we di gɔvmɛnt dɔn put dɔŋ. Dɛn dɔn put ɔda pipul dɛn we kɔmɔt na Salone pan dɛn bod foh mek shɔ se di bank de wok wit di tin dɛn we di kɔntri nid.
Kayn-Kayn Loan Dɛn ɛn Savis Dɛn we UBA Salone De Ofa
UBA Salone gɛt bɔku kayn loan dɛn we dɛn de gi, ɛn dɛn loan dɛn de fit foh difrɛn-difrɛn pipul dɛn nid. Lɛ wi tɔk bɔt sɔm pan dɛn big loan savis dɛn:
No Wahala Loan:
Dis na wan loan we dɛn de gi spɛshal foh pɔsin dɛn we de gɛt salári. If yu de wok ɛn yu salári de pas tru UBA, yu kin gɛt dis loan. Di gud pat bɔt am na se yu kin gɛt am kwik kwik wan ɛn nɔto bɔku tin dɛn dɛn de ask yu. Yu kin gɛt ɔp to fɔfɔfayv ɔndrɛd tawzin (500,000) Leone we yu kin pe bak insay fɔti-et (48) mɔnt. Di bank de nid se yu salári foh de pas tru dɛn bank, so dat na di garantí we dɛn de tek.
Pɔsin Loan:
Dis na foh ɔl kɔstɔma dɛn we de gɛt akawnt wit UBA, whether yu salári de pas tru dɛn ɔ nɔ. If yu nid moni foh sɔm pɔsin tin, yu kin aplai foh dis. Di intrɛst ret ɛn aw lɔng yu go pe am bak de dipɛn pan wetin yu ɛn di bank agrii pan. Dɛn kin ask foh garantí frɔm di ples we yu de wok.
Ɛgzɛkyutiv Loan:
Dis wan na spɛshal foh bigman dɛn we de wok insay kɔmpini ɔ fɔrɛnman dɛn. Di kɔndishɔn dɛn foh dis loan de difrɛn frɔm ɔda loan dɛn, ɛn di intrɛst ret de kɔmpit wit ɔda bank dɛn. If yu na bigman we gɛt bɔku moni, dis loan kin fit yu nid dɛn.
Salári Advans:
If yu na UBA kɔstɔma ɛn yu salári de pas tru dɛn akawnt, yu kin gɛt advans pan yu salári. Dis na foh shɔt tɛm nid dɛn, ɛn yu kin gɛt ɔp to fifti pɔsɛnt (50%) pan yu mɔntli salári. Yu de pe am bak insay wan mɔnt. Dɛn kin tek sɔm fi foh di savis.
I impɔtant foh notis se, bɔku pan di intrɛst ret dɛn ɛn fi dɛn nɔ de na intanɛt. So if yu want foh no di ɛgzakt fi ɛn intrɛst ret, i bɛtɛ foh go di bank dɛn branj foh go ask, ɔ go luk dɛn official pepa dɛn.
Intrɛst Ret Dɛn, Fi Dɛn, ɛn Kɔndishɔn Dɛn Foh UBA Salone Loan
Di intrɛst ret dɛn ɛn fi dɛn we UBA Salone de tek pan dɛn loan dɛn de difrɛn dipɛn pan di kayn loan, aw bɔku moni yu tek, ɛn aw lɔng yu go pe am bak. Foh di No Wahala Loan, yu go nid foh pe sɔm moni foh di aplikeshɔn (origination ɛn prɔsɛsin fi). Di bank de nid se yu salári foh de pas tru dɛn bank foh dis loan. Di lɔngɛs tɛm we yu kin pe dis loan bak na fɔti-et (48) mɔnt.
Foh ɔda loan dɛn lɛk di Pɔsin Loan ɛn Ɛgzɛkyutiv Loan, di intrɛst ret dɛn de kɔmpit wit ɔda bank dɛn, bɔt dɛn nɔ put dɛn na intanɛt. So, na yu foh go mit di bank foh gɛt di ɛgzakt figa dɛn. Foh Salári Advans, yu de pe sɔm fi foh rinyu yu advans ivri mɔnt, ɛn di intrɛst ret na di wan we di bank de yuz foh ova-draf (overdraft) akawnt dɛn.
I impɔtant foh riɛmba se if yu nɔ pe yu loan pan tɛm, dɛn kin ad ɔda fi dɛn pan di moni we yu de o. Dɛn ɔlwayz de advays kɔstɔma dɛn foh kɛr dɛn identifay pepa dɛn ɛn ɔda impɔtant tin dɛn we dɛn nid foh no bɔt di loan kɔndishɔn dɛn bifo dɛn sayn. Dis go ɛp yu foh no ɔl di tin dɛn we yu de gri pan ɛn foh avoyd ɛni prɔblɛm leta.
Aw Yu Go Aplai Foh Loan ɛn Tin Dɛn We Dɛn Nid
Aplay foh loan wit UBA Salone izi bɔt i gɛt sɔm tin dɛn we yu foh du. Yu gɛt bɔku we dɛn we yu kin yuz foh aplai:
Fon Ap (Mobile App):
Di UBA fon ap we yu kin dɔunlod pan iOS (fɔ Aypul fon dɛn) ɔ Android (fɔ ɔda fon dɛn) de alaw yu foh aplai foh sɔm loan dɛn dayrɛktli frɔm yu fon. Yu go nid foh gɛt wan bank akawnt wit dɛn ɛn foh dɔn rɛjista foh yuz di ap. Yu kin yuz yu neshɔnal ID ɔ paspɔt foh rɛjista digitaali.
USSD Kɔd:
Yu kin dayal *1446*1# pan yu fon foh gɛt sɔm savis dɛn, bɔt nɔto ɔl kayn loan yu kin aplai foh wit dis. Dis na foh kwik kwik savis dɛn lɛk Salári Advans.
Intanɛt Bankin (Internet Banking):
Tru dɛn wɛbsayt, yu kin gɛt akses foh dɛn intanɛt bankin savis ɛn aplai foh loan dɛn. Dis wan de gi yu mɔ ɔpshɔn ɛn yu kin fɛn mɔ infɔmeshɔn bɔt di loan dɛn.
Insay Branj (In-branch):
Yu kin go ɛni wan pan dɛn tɛn (10) branj dɛn ɔ sɛvin (7) cash sɛnta dɛn ɔlsay na Salone foh aplai foh loan dayrɛktli. Dis na gud we foh pipul dɛn we nɔ yuz fon ap bɔku, ɛn yu kin tɔk wit dɛn staf dɛn foh gɛt mɔ infɔmeshɔn.
Tin Dɛn We Yu Foh Kɛr:
ID Pepa Dɛn:
Yu neshɔnal ID, paspɔt, ɔ drayvin layzɛns.
Pruf foh Yu Adrɛs:
Wan bil (electricity bil, wata bil) we de sho usay yu de liv.
Salári Pepa Dɛn:
Pay slip dɛn ɔ leta frɔm yu wok ples we de sho yu salári, if yu de aplai foh salári loan.
Akawnt Steitmɛnt:
Yu bank steitmɛnt frɔm UBA ɔ ɔda bank dɛn.
Garantí:
Foh sɔm loan dɛn, yu go nid foh put sɔm tin dɛn lɛk yu salári pan di loan.
Di bank de luk yu infɔmeshɔn ɛn di tin dɛn we yu de wok wit bifo dɛn gi yu di loan. Dɛn de luk aw yu de pe bak moni ɛn if yu gɛt gud ripat pan aw yu de biznɛs. If dɛn dɔn gri foh gi yu di loan, dɛn kin put di moni insay yu akawnt, ɔ dɛn kin gi yu kash, ɔ yu kin ivin yuz mɔbayl moni foh gɛt am.
UBA Fon Ap Tin Dɛn ɛn Aw Pɔsin Kin Yuz Am
Di UBA fon ap na wan impɔtant tul we di bank dɔn put foh mek kɔstɔma dɛn izi foh yuz dɛn savis dɛn. Di ap de na Aypul (iOS) ɛn Android fon dɛn. Insay di ap, yu kin du bɔku tin dɛn lɛk:
Lɔgin wit yu finga prɛnt:
Dis de mek am mɔ sef ɛn izi foh lɔgin.
Liv Chat:
Yu kin tɔk wit dɛn kɔstɔma savis dayrɛktli insay di ap if yu gɛt ɛni kwɛshɔn ɔ prɔblɛm.
Fɛn ATM ɛn Branj:
Di ap kin sho yu usay di klossɛs ATM ɔ UBA branj de nia yu.
Pe Bil Dɛn:
Yu kin pe yu lɛf bil, wata bil, ɛn ɔda bil dɛn tru di ap.
Save Mɔni:
Yu kin set gol foh save moni ɛn di ap kin ɛp yu wit dat.
Mɔ Lɛngwij Dɛn:
Yu kin yuz di ap wit difrɛn-difrɛn lɛngwij dɛn.
Manij Yu Kad Dɛn:
Yu kin luk afta yu ATM kad dɛn ɛn ɔda bank kad dɛn insay di ap.
Bɔt, lɛk ɔl tin dɛn, di ap gɛt sɔm smɔl prɔblɛm dɛn. Sɔm kɔstɔma dɛn dɔn se di ap nɔ de wok ɔlwayz gud ɛn sɔm tɛm dɛn de gɛt prɔblɛm foh lɔgin, spɛshal if dɛn nɔ yuz Nayjirian fon nɔmba. Bɔt di bank de tray foh ɛp dɛn kɔstɔma dɛn tru dɛn liv chat ɛn dɛn kɔstɔma savis layn. If yu fɛn prɔblɛm, i bɛtɛ foh kɔntakt dɛn kɔstɔma savis layn (+232 78 200 200) ɔ send dɛn imayl ([email protected]) foh ɛp.
Aw Di Gɔvmɛnt De Luk Afta UBA Salone ɛn Dɛn Ples Insay Di Makit
UBA Salone na wan layzɛns bank we di Sɛntral Bank foh Salone (Bank of Sierra Leone) dɔn gi layzɛns foh wok frɔm di ia 2008. Dis min se di bank de wok wit ɔl di rul dɛn ɛn layz dɛn we di gɔvmɛnt dɔn put dɔŋ foh bank dɛn na Salone. Dɛn de fɔlo di Bankin Akt, Anti-Mɔni Landrin Rɛgyuleshɔn dɛn, ɛn ɔda lay dɛn we de luk afta kɔstɔma dɛn infɔmeshɔn.
If yu gɛt prɔblɛm wit di bank, dɛn gɛt wan 24-awa kɔstɔma sɛnta we yu kin kɔl. Dɛn de ɛp kɔstɔma dɛn foh sɔlv dɛn prɔblɛm dɛn tru liv chat ɛn imayl. So far, nɔto ɛni bad ripat dɛn dɔn pul na poblik bɔt UBA Salone we se dɛn nɔ fɔlo rul ɔ se dɛn dɔn gɛt panishmɛnt. Dis de sho se dɛn de tray foh wok gud ɛn foh fɔlo di lay dɛn.
Dɛn Ples Insay Di Makit ɛn Hu Dɛn De Kɔmpit Wit:
UBA Salone na wan pan di twenti (20) big kɔmɛrshal bank dɛn we de wok na Salone. Dɛn dɔn pul dɛn fes bɔku as wan pan di fayv big bank dɛn we gɛt bɔku asɛt. Wetin de mek UBA Salone difrɛn frɔm ɔda bank dɛn na:
Pan-Afrikan Nɛtwɔk:
Bikɔs dɛn na pat pan di UBA Grup we de wok ɔlsay na Africa, dɛn gɛt big nɛtwɔk we kin ɛp pɔsin dɛn we de du biznɛs bitwin Salone ɛn ɔda Afrikan kɔntri dɛn.
Dijital Sɛnel Dɛn:
Dɛn fon ap ɛn intanɛt bankin savis dɛn de mek am izi foh kɔstɔma dɛn foh du dɛn bankin tin dɛn frɔm ɛniwe.
Spɛshal Loan Dɛn:
Di No Wahala Loan na wan spɛshal loan we dɛn dɔn mek foh fit di nid dɛn foh pɔsin dɛn we de gɛt salári na Salone.
Di bank dɛn we UBA Salone de kɔmpit wit na Salone Kɔmɛrshal Bank, Rokel Kɔmɛrshal Bank, ɛn Standard Chated Salone. UBA de tray foh kɔntinyu foh big ɛn foh ɔfɔ nyu savis dɛn, lɛk dɛn nyu savis dɛn we dɛn dɔn pul foh save moni ɛn dɛn wok pan praymat fayas (climate finance) wit UBA Foundeshɔn. Dɛn ivin de wok wit Wɛstɛn Yunion foh ɛp pɔsin dɛn we de risiv moni frɔm fɔrɛn.
Advays Foh Pɔsin Dɛn We Want Tek Loan Frɔm UBA Salone
If yu de tink foh tek loan frɔm UBA Salone, i impɔtant foh du yu wok gud gud wan. Lɛ mi gi yu sɔm advays dɛn:
No Yu Nid Dɛn:
Bifo yu aplai, no gud gud wan wetin yu nid di moni foh. I na foh biznɛs, foh pɔsin nid, ɔ foh sɔm ɛmɛjɛnsi? Dis go ɛp yu foh pik di rayt kayn loan.
Fɛn Bɔt Intrɛst Ret Dɛn ɛn Fi Dɛn:
Bikɔs dɛn nɔ put ɔl di intrɛst ret dɛn na intanɛt, i bɛtɛ foh go di bank branj. Tɔk wit dɛn staf dɛn ɛn ask ɔl di kwɛshɔn dɛn we yu gɛt bɔt di intrɛst ret, di fi dɛn (lɛk prɔsɛsin fi), ɛn ɔda tin dɛn we yu go pe. Asɛk foh si di agrímɛnt pepa bifo yu sayn. Mɛk shɔ yu no ɔl di kɔndishɔn dɛn.
Prɛpɛ Yu Pepa Dɛn:
Mɛk shɔ se yu gɛt ɔl di tin dɛn we dɛn nid (ID, adrɛs pruf, salári pepa dɛn) bifo yu go aplai. Dis go mek di aplikeshɔn prɔsɛs kwik.
Kɔnsidɛ Yu Pe Bak Ebilíti:
Bifo yu tek loan, mɛk shɔ se yu go ebul pe am bak pan tɛm. Luk yu salári ɛn ɔda moni we yu de gɛt. If yu nɔ pe pan tɛm, dɛn kin ad mɔ fi ɛn dat kin afɛkt yu finashal ripat leta.
Yuz Di Fon Ap Kɔrɛkt Wan:
If yu de yuz di fon ap, mɛk shɔ se yu no aw foh yuz am. If yu fɛn ɛni prɔblɛm, kɔntakt dɛn kɔstɔma savis kwik wan. Nɔ mek sɔm smɔl prɔblɛm dɛn ton big wan.
Kɔmpia Wit Ɔda Bank Dɛn:
Bifo yu disayd, luk ɔda bank dɛn we de gi simila loan dɛn. Kɔmpia dɛn intrɛst ret dɛn, fi dɛn, ɛn kɔndishɔn dɛn foh mek shɔ se yu de tek di bɛst disishɔn foh yu.
UBA Salone na wan strong bank we gɛt gud ripat ɛn bɔku savis dɛn. Bɔt lɛk wit ɔl finashal disishɔn dɛn, i impɔtant foh bi kɛful ɛn foh no ɔl di tin dɛn we de apin bifo yu tek loan. Wi op se dis atikul dɔn ɛp yu foh gɛt mɔ infɔmeshɔn bɔt UBA Salone dɛn loan savis dɛn.
