بانک ملی
وام نقدی

طرح صدف بانک ملی

بانک ملی

26 بازدید آخرین بروزرسانی: 8 ساعت پیش

مشخصات وام

تازه
نرخ سود سالانه
1.00%
به‌روزرسانی: 8 ساعت پیش
سقف وام
300 میلیون تومان
مدت بازپرداخت
60 ماه
نوع ضمانت
ضامن رسمی
بدون سپرده
حساب قرض‌الحسنه
بدون واریز حقوق

توضیحات

The Melli Bank Sadaf scheme allows you to receive a cash loan of up to 300,000,000 Tomans with an interest rate of 1% to 18% by maintaining an average account balance for 6, 9, or 12 months. This facility is available to all professions, including doctors, lawyers, employees, and families, who can use this facility by depositing funds with Melli Bank.

شرایط و ضوابط

  • Requires maintaining an average account balance for 6, 9, or 12 months
  • Doctors, lawyers, judges, and university faculty members: up to 300,000,000 Tomans with 2 credible guarantors
  • Company employees/managers with salaries paid by Melli Bank: up to 250,000,000 Tomans with company guarantee and 1 credible guarantor
  • Melli Bank employees/organizations/companies receiving salaries from Melli Bank: up to 300,000,000 Tomans with personal deposit and branch approval
  • Other segments of society: up to 200,000,000 Tomans with branch-approved guarantees
  • Not eligible if already received facilities from another bank or workplace through personal deposit

مدارک مورد نیاز

  • Official guarantor or tradesman with business license (for up to 50,000,000 Tomans)
  • 2 guarantors (for 50,000,000 to 100,000,000 Tomans)
  • 3 guarantors (for 100,000,000 to 200,000,000 Tomans)

ویژگی‌های ویژه

Transfer loan points to first-degree relatives (spouse, child, parent, sibling)
If not received after one year, can use facility if 50% of average balance is maintained

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