Search This Blog

Monday, July 14, 2014

About the Kenya Banks’ Reference Rate (KBRR)


About the Kenya Banks’ Reference Rate (KBRR)
The Central Bank of Kenya (CBK) has announced the first Kenya Banks’ Reference Rate (KBRR). The new reference rate replaces the Base Lending Rate, which commercial banks used to price their products. The rate is computed by CBK based on an average of the Central Bank Rate (CBR) and a 2-month moving average of the 91-Day Treasury Bill Rate.

Following the 8th July 2014 Monetary Policy Committee meeting during which the CBR was held at 8.50 percent, the initial KBRR has been set at 9.13 percent. The effective date is 8th July.Therefore all new loans issued by commercial banks should be priced on the 9.13 percent KBRR.

The KBRR is announced by CBK through Monetary Policy Committee Press Release and operationalised via CBK Banking Circular. It is expected that the announcements will be made by CBK every 6 months (or more frequently depending on market conditions). 

FREQUENTLY ASKED QUESTIONS

What is the KBRR and how is it different from the Annual Percentage Rate (APR)?
Previously, banks used to price their loans using a Base Rate. The formula for calculating the Base Rate varied from bank to bank. Central Bank of Kenya has now prescribed a common Reference Rate known as the Kenya Banks Reference Rate or KBRR.

KBRR factors in CBK's monetary policy direction (based on the Central Bank Rate) and the risk free rate in the market, which is the 91-Day Treasury Bill rate. 

For further pricing transparency, members of the Kenya Bankers Association in 2012 voluntarily adopted the Annual Percentage Rate or APR pricing model. APR is the numerical representation of the Total Cost of Credit. The APR implementation was undertaken in 2013 with the effective date taking place on 1st July 2014.

What is the Total Cost of Credit?
The “Total Cost of Credit” or TCC will include the bank interest rate based on the KBRR plus a premium (or the “k”) that covers the banks’ Cost of Funds, Margin and Risk. Third Party Costs directly associated with the loan are also covered in the TCC, these include legal fees, insurance, valuation, and government levies. The TCC, including estimates for third party costs, should be provided to all loan applicants prior to contract signing. 

Why is APR the Most Transparent Cost of Credit Disclosure?
Because banks will use the TCC model developed by Kenya Bankers Association (KBR) to calculate the APR, borrowers are empowered to compare loan products on a like for like basis; and therefore make more informed decisions on all the components of the loan (interest rate plus all charges and third party costs). 

What is APR and will it make loans cheaper?
There are various costs associated with a loan. To better determine the total cost, a prescribed formula should be used to compute the various elements into a numeric representation (a percentage number). When this percentage number is factored over a 12 month period, it is called the Annual Percentage Rate (APR). 

In most countries APR is mandated by law. But in Kenya, the banking industry has proactively adopted the APR model in conjunction with the CBK’s requirement that banks provide customers with the Total Cost of Credit (TCC) and Loan Repayment Schedule. 

While the APR and TCC disclosures do not directly have an effect on the cost of credit, customers will be empowered to shop around for the loan products that meet their needs. The enhanced transparency will also stimulate competition within the banking industry thus contributing to more competitive interest rates for customers with a good credit track record. 

Which other initiatives are banks working on to address high interest rates?
The banking industry in collaboration with Central Bank is spearheading a number of interventions to enhance credit access. These initiatives, which are at different stages of implementation, include: the Credit Information Sharing initiative which will enable banks to price their loan products based on individual customers’ risk profile; and development of a Reference Rate upon which banks will replace the Base Rate and serve as a standardized reference rate for all banks. 

Through the Cost of Credit Committee Chaired by National Treasury, KBA has also proposed several other measures meant to address the inefficiencies that contribute to higher costs within the financial services industry, including reforms within the Lands and Companies Registries.

It is important to note that the high interest rate regime is not permanent; once market stability is attained, rates trend downwards, as we have seen in the recent past. A good signal that the market is indeed responding to the decline in interest rates is the increased uptake in credit during 2013 and First Quarter 2014 (as reported by the Central Bank).


Courtesy of Kenya Bankers Association


75 comments:

  1. Hi
    It is the nice site for perfect money management for house financing. I have got many important tips for financing. It is the site for perfect money to bank.
    Perfect money to bank

    ReplyDelete
    Replies
    1. $$$ GENUINE LOAN WITH LOW INTEREST RATE APPLY $$$
      Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.

      Email: shadiraaliuloancompany1@gmail.com
      Phone No: +919873186890

      Delete
    2. Greetings..

      Attention! Attention!! Attention!!!,

      What is your situation? *Need 100% financing *Can't verify income *Can't verify employment *Recently self employed *Bankruptcy Collections *Credit issues *Accumulated Bills Settlement * Personal Investment Project or Company Investment Projects e.t.c. Apply for a quick and convenient loan to pay off bills and debts, start a new business or refinance your projects and expand your business in this year 2017 at the cheapest interest rate of %. For more details email us today via email:(bettermentfunding@gmail.com)
      ………………………………….
      Please contact us for your secure and unsecured Loan at an Interest rate of 2%
      Is the difficulty of the economy affecting you this year, is your bank refuses to give you a loan for the christmas? If your answer is yes, then you need a loan. I’m Mrs Patricia Kingsman, the owner of a lending company We offer safe and secure loans at an interest rate of 2%.

      * Are you financially squeezed?
      * Do you seek funds to pay off credits and debts?
      * Do you seek finance to set up your own business?
      * Are you in need of private or business loans for various purposes?
      * Do you seek loans to carry out large projects?

      If you have any of the above problems, we can be of assistance to you but I want you to understand that we give out loans at the interest rate of 2%.

      * Borrow anything up to $95,000,000 USD.
      * Choose between 1 to 20 years to repay.
      * Choose between Monthly and Annual repayments Plan.
      * Flexible Loan Terms.
      Please if you are interested check back with us through this email address: bettermentfunding@gmail.com

      We promise a 100% guarantee that you will receive your loan at the end of this loan transaction.There is no security check, no credit check

      Delete
  2. Your articles make whole sense of every topic.http://paydayloans.org/

    ReplyDelete
  3. The central bank has two very important functions within the economic system of a country. The first is to preserve the value of the currency and maintain price stability, its primary tool for this purpose is the management of interest rates. When using the gold standard, the value of banknotes issued by central banks was expressed in terms of gold content, or possibly someone else, the bank tried to maintain certain levels over time.home financing

    ReplyDelete
  4. My name is Marissa Grace,I am a Citizen Of Kenya.Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dr Purva Pius Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email:(urgentloan22@gmail.com)

    ReplyDelete
  5. MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
    Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dr Purva Pius Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email:(urgentloan22@gmail.com)

    ReplyDelete
  6. This is good. Kudos to Kenya Bankers team and yourself for making it more available. For more information visit www.costofcredit.co.ke

    ReplyDelete
  7. Pretty! This was a truly superb post. Thank you for your offered information. paydayloans

    ReplyDelete
    Replies




    1. Dear Sir/Ma

      We offer bank instruments on lease but not direct funding. These bank instruments can be in the form of Bank Guarantee (BG) or Standby Letter of Credit (SBLC) as well as PBs, LCs, DLC et al. Our bank instruments can be monetized with a Lender or Funding or can be used as a Collateral for Loans as well as for all kinds of Trade, Commodity trading and others.

      Also these instruments can be put in PPP, etc. Please do let me know of your willingness to proceed and I will be glad to share with you our working procedures.
      BROKERS ARE WELCOME & 100% PROTECTED!!!
      If Interested kindly contact me via Email:~
      Contact: ... bgsblc.syed@gmail.com
      Skype ID: bgsblc.syed

      Delete
  8. Hello Everybody,
    My name is Mrs Sharon Sim. I live in singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) +918376918351 Thank you.

    ReplyDelete
  9. I have been searching for details about this topic for ages and yours is the best I’ve discovered so far.

    equipment sale leaseback

    ReplyDelete
  10. Here are some tips and data that hopefully will give you the information and tools needed to find the right mortgage broker, how to work with them and to help minimize the risks before you get to the closing table. Please see more: www.omj.ca,mortgage loans

    ReplyDelete
    Replies




    1. Dear Sir/Ma

      We offer bank instruments on lease but not direct funding. These bank instruments can be in the form of Bank Guarantee (BG) or Standby Letter of Credit (SBLC) as well as PBs, LCs, DLC et al. Our bank instruments can be monetized with a Lender or Funding or can be used as a Collateral for Loans as well as for all kinds of Trade, Commodity trading and others.

      Also these instruments can be put in PPP, etc. Please do let me know of your willingness to proceed and I will be glad to share with you our working procedures.
      BROKERS ARE WELCOME & 100% PROTECTED!!!
      If Interested kindly contact me via Email:~
      Contact: ... bgsblc.syed@gmail.com
      Skype ID: bgsblc.syed

      Delete
  11. Do you need Personal Loan?
    Business Cash Loan?
    Unsecured Loan
    Fast and Simple Loan?
    Quick Application Process?
    Approvals within 24-72 Hours?
    No Hidden Fees Loan?
    Funding in less than 1 Week?
    Get unsecured working capital?
    Contact Us At :majidvijahlending@gmail.com

    LOAN SERVICES AVAILABLE INCLUDE:
    ================================
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Acquisition Loans .
    *Construction loans.
    *Business Loans And many More:

    LOAN APPLICATION FORM:
    =================
    Full Name:................
    Loan Amount Needed:.
    Purpose of loan:.......
    Loan Duration:..
    Gender:.............
    Marital status:....
    Location:..........
    Home Address:..
    City:............
    Country:......
    Phone:..........
    Mobile / Cell:....
    Occupation:......
    Monthly Income:....

    Contact Us At :majidvijahlending@gmail.com

    ReplyDelete
  12. Replies



    1. Dear Sir/Ma

      We offer bank instruments on lease but not direct funding. These bank instruments can be in the form of Bank Guarantee (BG) or Standby Letter of Credit (SBLC) as well as PBs, LCs, DLC et al. Our bank instruments can be monetized with a Lender or Funding or can be used as a Collateral for Loans as well as for all kinds of Trade, Commodity trading and others.

      Also these instruments can be put in PPP, etc. Please do let me know of your willingness to proceed and I will be glad to share with you our working procedures.
      BROKERS ARE WELCOME & 100% PROTECTED!!!
      If Interested kindly contact me via Email:~
      Contact: ... bgsblc.syed@gmail.com
      Skype ID: bgsblc.syed

      Delete
  13. It's really interesting, looking forward to hear more from you.

    By
    Vasu
    Investments
    paisaXpaisa Wealth Advisory Services Pvt Ltd

    ReplyDelete
  14. Well, it’s a nice one, I have been looking for. Thanks for sharing such informative stuff.
    South Bend payday loans

    ReplyDelete
  15. Thanks for taking the time to discuss that, I really feel strongly about it and love learning more on that topic. If achievable, as you gain competence, would you mind updating your blog with more information? It is highly helpful for me.
    Zero Calorie Fundraisers with Funds2Orgs

    ReplyDelete
  16. Hi I really appreciate all the great content you have here. I am glad I cam across it!
    sponsor

    ReplyDelete
    Replies
    1. $$$ GENUINE LOAN WITH LOW INTEREST RATE APPLY $$$
      Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.

      Email: shadiraaliuloancompany1@gmail.com
      Phone No: +919873186890

      Delete
  17. HOW I GOT MY LOAN FROM DR PURVA PIUS LOAN FINANCE (urgentloan22@gmail.com)

    Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    LOAN APPLICATION FORM:
    =================
    Full Name:................
    Loan Amount Needed:.
    Purpose of loan:.......
    Loan Duration:..
    Gender:.............
    Marital status:....
    Location:..........
    Home Address:..
    City:............
    Country:......
    Phone:..........
    Mobile / Cell:....
    Occupation:......
    Monthly Income:....

    Contact Us At :urgentloan22@gmail.com

    ReplyDelete
  18. I have read many blogs in the net but have never come across such a well written blog. Good work keep it up
    research

    ReplyDelete
  19. All of our trading signals come with a defined stop loss and have taken money management into account. From time to time we will be conducting webinars for our members to educate them on how to strategize their exits and take profits. .To know more visit my website usa forex signals

    ReplyDelete
  20. You have a great blog - I would think your readership is very high?
    where can you get a key copied Middlesex

    ReplyDelete
  21. This is the center bank of Kenya and people of Kenya borrow Usa Forex Signals loans from here easily.They fulfill their demand from here.

    ReplyDelete
  22. $$$ URGENT LOAN OFFER WITH LOW INTEREST RATE APPLY NOW $$$
    Do you need Loan to pay off your debt and start a new life? You have come to the right place were you can get FUNDED at a very low interest rate. Interested people/company should please contact us via email for more details.

    Full name:
    Date of birth (yyyy-mm-dd):
    Gender:
    Marital status:
    Amount Needed:
    Duration:
    Address:
    City:
    State/province:
    Zip/postal code:
    Country:
    Phone number:
    Monthly Income:
    Occupation:

    E-mail: shadiraaliuloancompany1@gmail.com

    ReplyDelete
  23. Nicely presented information in this post, I prefer to read this kind of stuff. The quality of content is fine and the conclusion is good. Thanks for the post.
    financial modeller

    ReplyDelete
  24. Nice article, thanks for sharing this wonderful information with us.
    Financing For Customers

    ReplyDelete
  25. This is a brilliant writing and very pleased to find this site. I couldn’t discover to much different information on your blog. I will surely be back again to look at some other important posts that you have in future.
    lainalaskelma

    ReplyDelete
  26. This is one of the most incredible blogs Ive read in a very long time. The amount of information in here is stunning, like you practically wrote the book on the subject. Your blog is great for anyone who wants to understand this subject more. Great stuff; please keep it up!
    Equipment leasing

    ReplyDelete
  27. I think this post will be a fine read for my blog readers too, could you please allow me to post a link to my blog. I am sure my guests will find that very useful.
    secured personal loans

    ReplyDelete

  28. How I Got My Loan From A Genuine And Reliable Loan Company
    I am Mrs.Rabeca Rajan I live in Singapore I am from India i was in need of a loan of S$100,000 and was scammed by those fraudulent lenders and a friend introduce me to IBRAHIM MUSA,and he lend me the loan without any stress,I made a vow to Myself and God that I will keep sharing my testimony on the internet on how I got my loan. Here its E-mail: powerfinance7@gmail.com
    BORROWERS APPLICATION DETAILS
    1. Your Full names:_______
    2. Contact address:_______
    3. Country Of Residence:______
    4. Loan Amount Required:________
    5. Duration:_____
    6. Gender:_____
    7. Occupation:________
    8. Monthly Income:_______
    9. Date Of Birth:________
    10.Telephone Number:__________

    Email Kindly Contact Him Via: powerfinance7@gmail.com

    ReplyDelete
  29. I think this is the best blog I have been through all this day.
    Fixed cost leads

    ReplyDelete
  30. Valuable finance information really appreciate your blog.
    VIP Financing Solutions

    ReplyDelete
  31. $$$ GENUINE LOAN WITH LOW INTEREST RATE APPLY $$$
    Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.

    Email: shadiraaliuloancompany1@gmail.com
    Phone No: +919873186890

    ReplyDelete
  32. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  33. Valuable information in your blog and I really appreciate your work and keep it up dude I really very informative blog about the audit.
    casablanca

    ReplyDelete
  34. I get many information about the loan sharking and i appreciate your work.
    loan sharking

    ReplyDelete


  35. Sir/Ma

    Are you having one or two difficulties from other financial instrument lender? i want you to take a chance with us you will never regret your partnership with our firm..We have a direct genuine provider for BG/SBLC,MTN,LC,CD BOND specifically for lease,Our lease rate is (5)%+x%. X% IS Lessee broker's Commission and he determines his commission, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

    All inquires to MR.Lee Hack Ynung should include the following minimum information so I can quickly address your needs:

    Complete contact information:
    What exactly do you need?
    How long do you need it for?
    Are you a principal borrower or a broker?

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.
    If Interested kindly contact me via Email:~
    Contact: ... bgsblc.syed@gmail.com
    Skype ID: bgsblc.syed


    ReplyDelete
  36. APPLY FOR A 2.5% LOAN.
    Do you need an easy qualifying Business or personal loans from $1,000-$10,000,000? or Christmas

    loan, Unclear bills? Student loan? Bad credit or Good credit, makes no difference with us.2,5%

    of applications are approved within 48Hours. To
    apply, get in touch with us via: EMAIL: raymondscottsloan@gmail.com

    ReplyDelete
  37. APPLY FOR A 2.5% LOAN.
    Do you need an easy qualifying Business or personal loans from $1,000-$10,000,000? or Christmas
    loan, Unclear bills? Student loan? Bad credit or Good credit, makes no difference with us.2,5%
    of applications are approved within 48Hours. To
    apply, get in touch with us via: EMAIL: raymondscottsloan@gmail.com

    ReplyDelete
  38. Do you need a loan for your xmas expenses?? or are you looking for a good loan lender to help you out of your financial crisis, if yes aira loan investment is here to help you solve that problem... for will offer all kinds of loan such as student loan, farmers loan, personal loan, business loan, and as well as churches loan.
    if you have the intention of giving it a try please contact us with the following email address
    airaloaninvestment@gmail.com

    ReplyDelete
  39. Hi people,
    Thank you so much for this wonderful article really!
    If someone want to learn more about Machinery Finance I think this is the right place for you!

    ReplyDelete
  40. Such a nice blog and very nice you work and sharing this wonderful article about the product review nice work.
    product review

    ReplyDelete
  41. HDFC Ltd is India's No. 1 housing finance company and a pioneer in the field of home loans. Avail home loans at attractive interest rates and get approval online. Easy Documentation, No prepayment penalties, No Hidden Charges.

    ReplyDelete


  42. Hello everyone my name is Luana Rodrigues, am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site. They asked me to pay some amount of money at different basis but i never get my loan. This was how i lost the sum of 5000USD . I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to Detlev jonas Loan. He told me how he has helped him with loan at several cases without any delay. I was scared and never believe her. She urge me to trust her,this was how i was introduce to him through his email {hmloans2@gmail.com}. She told me She will offer me the loan that i only need to comply with them. I did as She told me and without any delay,i received my loan as She earlier promise. Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet Detlev Jonas loan through his email hmloans2@gmail.com . He is a registered reliable loan lender.

    Name Of testifer: Luana Rodrigues
    Email Of Lender: hmloans2@gmail.com
    Lenders Name : Falicity Shaw

    ReplyDelete
  43. Good Day Sir/Madam: Do you need an urgent loan to finance your business or in any purpose? We are certified and legitimate and international licensed loan lender we offer loans to Business firms. Individuals, companies firms, corporate bodies at an affordable interest rate of 3%. It might be a short or long term loan or even if you have poor credit. We shall process your loan as soon as we receive your application. We are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We offer Educational loan, Business loan, home loan, Agricultural loan, Personal loan, Auto loan with either a good or bad credit history. If you are interested in our above loan offer you are advice to fill the below information and return to us for more details. You can contact us with this email (standardonlineinvestment@gmail.com) we shall respond to you as soon as we receive your loan application details below.

    First name:
    Middle name:
    Date of birth (yyyy-mm-dd):
    Gender:
    Marital status:
    Total Amount Needed:
    Time Duration:
    Address:
    Currency Needed
    City:
    State/province:
    Zip/postal code:
    Country:
    Phone:
    Mobile/cellular:
    Monthly Income:
    Occupation:
    Which sites did you know about us.....
    ( standardonlineinvestment@gmail.com )for immediate attention. Contact
    us now and get an urgent loan within two (2) days!!!
    Regards,
    Mr Abdul Muqse

    ReplyDelete
  44. We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
    we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
    DESCRIPTION OF INSTRUMENTS:
    1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
    2. Total Face Value: 10M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4+ 1%
    6. Sale Price: 32+2%
    7. Delivery by SWIFT .
    8. Payment: MT103-23
    9. Hard Copy: Bonded Courier within 7 banking days.
    If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
    Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
    Name : Keat Cheng
    E-mail : keatcheng2@gmail.com
    Skype id :keatcheng2@gmail.com

    ReplyDelete
  45. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    ReplyDelete
  46. This is a great blog, very informative on loans. I am interested to know about these finance to get a loan for my business, hoping to succeed and avail Small business funding

    ReplyDelete
  47. Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: standardonlineinvestment@gmail.com
    Thanks and look forward to your prompt reply.
    Regards,
    Muqse

    ReplyDelete
  48. Dear Customers.

    We invite you all to participate in our new business and project funding program, We are currently funding for Business start-up Business developments, Business acquisition Business expansion, Project funding and Working capital etc.

    This Funding program allows a client to enjoy 3% low interest rate and payback period of 1 to 35 years. We can approve a loan/funding for up to $500,000,000.00 or more depending on the nature of business we are currently funding for and we satisfy our customers’ financial needs and help them succeed

    Application Available
    Apply via email: standardonlineinvestment@gmail.com

    ReplyDelete
  49. I am a person who offers loans to the national. With capital that will be used to grant loans between short-term and long-term individuals ranging from $5, 000 to $500,000,000 all the serious people being in the real needs, the interest rate is 3% over the entire repayment period. I make loans Financial in all areas. I am available to satisfy my customers within 24hours, see 1 day after your application send replies to the following E-mail address: standardonlineinvestment@gmail.com
    Thanks and look forward to your prompt reply. 
    Regards, 
    Muqse

    ReplyDelete
  50. Good Day Sir/Madam: Do you need an urgent loan to finance your business or in any purpose? We are certified and legitimate and international licensed loan lender we offer loans to Business firms. Individuals, companies firms, corporate bodies at an affordable interest rate of 3%. It might be a short or long term loan or even if you have poor credit. We shall process your loan as soon as we receive your application. We are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We offer Educational loan, Business loan, home loan, Agricultural loan, Personal loan, Auto loan with either a good or bad credit history. If you are interested in our above loan offer you are advice to fill the below information and return to us for more details. You can contact us with this email standardonlineinvestment@gmail.com we shall respond to you as soon as we receive your loan application details below.

    First name:
    Middle name:
    Date of birth (yyyy-mm-dd):
    Gender:
    Marital status:
    Total Amount Needed:
    Time Duration:
    Address:
    Currency Needed
    City:
    State/province:
    Zip/postal code:
    Country:
    Phone:
    Mobile/cellular:
    Monthly Income:
    Occupation:
    Which sites did you know about us.....
    standardonlineinvestment@gmail.com for immediate attention. Contact
    us now and get an urgent loan within two (2) days!!!
    Regards,
    Mr Abdul Muqse

    ReplyDelete
  51. Do you need a personal loan?
    Do you need a loan to pay bills/finance your business?
    Do you need a mortgage loan? contact Steven Ryan finance via: whatsapp: whatsapp/call : +971 52 961 5981
    Email: stevenryanfinance@gmail. com

    ReplyDelete
  52. We Facilitate Bank Guarantee (BG) & Standby Letter of Credit (SBLC) Instrument Direct Mandate Provider of Fresh Cut Bank Instrument for Lease/Purchase such as BG, SBLC, MTN.

    We are a Finance Industry Company professionals with over 15 Years Experience and a focus on providing Bank Guarantee (BG),Standby Letter of Credit (SBLC), MTN (Mid Term Note) and LTN (Long Term Note) from some of the World Top 25 Prime Banks primarily from Barclays, Deutsche Bank, HSBC, Credit Suisse e.t.c.

    FEATURES:

    Bank Guarantees & SBLC’s in Standard Formats from Major Banks! Amounts from $1 million to 5 Billion+ Euro’s or US Dollars Great Attorney Trust Account Protection Delivered via MT760 Swift with Full Bank Responsibility MT799 and MT103 preadvice included.

    Brokers Always Protected.

    Purchase Instrument of BG/SBLC : 32%+2% Minimum Face Value = EUR/USD 1M-5B

    Lease Instrument of BG/SBLC : 4%+2% Minimum Face Value = EUR/USD 1M-5B

    We will be glad to share our working procedures with you upon request

    Email:kelvinkingfcl@gmail.com

    ReplyDelete
  53. Invest with 200$ and get a returns of 5,000$ within seven business working days.
    Why wasting your precious time online looking for a loan? When there is an opportunity for you to invest with 200$ and get a returns of 5,000$ within seven business working days. Contact us now for more information if interested on how you can earn big with just little amount. This is all about investing into Crude Oil and Gas Business.

    Email: investmoneyoilgas@gmail.com

    ReplyDelete
  54. If you had financial problems, then it is time for you to smile. You only need to contact Mr. Benjamin  with the amount you wish to borrow and the payment period that suits you and you will have your loan in less than 48 hours. I just benefited for the sixth time a loan of 700 thousand dollars for a period of 180 months with the possibility of paying before the expiration date. Make contact with him and you will see that he is a very honest man with a good heart.His email is lfdsloans@lemeridianfds.com and his WhatApp phone number is + 1-989-394-3740 

    ReplyDelete
  55. DO YOU NEED A LOAN?
    We give out loans with an affordable interest rate of 3%
    Captain One provide Excellent and Professional Financial Services and we are known and genuine money lenders across the globe
    Our services include the following:
    *Student Loans
    Truck Loan
    Personal Loan
    Debt consolidation loan
    Car Loans
    Business Loan
    Student Loan
    Mortgage Loan
    Refinancing Loan
    Home Loan
    Improvement loan
    Construction Loan
    Please write back if interested with our interest rate:Kindly contact us via:abdullahonlinefinance@gmail.com

    ReplyDelete
  56. Do you need a Loan, or you want to refinance your home, pay-off bills, expand your business? look no further we off all kinds of Loan at 3% interest rate per year. if interested, contact us via Email: johnleemill12345@gmail.com



    Thank you for choosing Guarantee Trust Finance.



    Sincerely,

    Mr. John lee

    ReplyDelete
  57. Do you need a Loan, or you want to refinance your home, pay-off bills, expand your business? look no further we off all kinds of Loan at 3% interest rate per year. if interested, contact us via Email: johnleemill12345@gmail.com



    Thank you for choosing Guarantee Trust Finance.



    Sincerely,

    Mr. John lee

    ReplyDelete
  58. DO YOU NEED A LOAN?
    We give out loans with an affordable interest rate of 3%
    Captain One provide Excellent and Professional Financial Services and we are known and genuine money lenders across the globe
    Our services include the following:
    *Student Loans
    Truck Loan
    Personal Loan
    Debt consolidation loan
    Car Loans
    Business Loan
    Student Loan
    Mortgage Loan
    Refinancing Loan
    Home Loan
    Improvement loan
    Construction Loan
    Please write back if interested with our interest rate:Kindly contact us via:abdullahonlinefinance@gmail.com

    ReplyDelete
  59. Deed a Debt Loan To Pay Off Bills?
    Take control of your debt today
    Available Now Business Expansion Loan Offer?
    Do you need a loan to pay off Bills?
    Do you need a loan?
    Do you need Personal Loan?
    Business Expansion Loan?
    Business Start-up, Education,
    Debt Consolidation Loan
    Hard Money Loans
    Loan for any thing ?
    We offer loan at low interest rate of 2%
    Loan with no credit check,
    email: abdullahibrahimlender@gmail.com
    whatspp Number +918929490461
    Mr Abdullah Ibrahim

    ReplyDelete
  60. Do you need Personal Finance?

    Business Cash Finance?

    Unsecured Finance

    Fast and Simple Finance?

    Quick Application Process?

    Finance. Services Rendered include,

    * Debt Consolidation Finance

    * Business Finance Services

    * Personal Finance services Help

    Please write back if interested with our interest rate EMAIL: ibrahimfahimmostafaloanfirm@gmail.com
    Whats +918413950409

    ReplyDelete
  61. I am direct to a provider who has recently issued banking instruments for a couple of my clients the provider is 100% check-able you can do your due diligence on them. I work directly with the provider.

    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

    Contact Name: Alex James
    Email:signetukfinanceplc@gmail.com
    SKYPE:signetukfinanceplc@hotmail.com

    ReplyDelete
  62. HELLO, I am Rebecca Michaelson by name living in Europe. Here is a good news for those interested. There is away you can earn money without stress contact (THOMAS FREDDIE) for a blank [ATM CARD] today and be among the lucky once who are benefiting from this cards. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine anywhere in the world. I got my master card from a good Hacker on the internet, with this ATM Card I am able to collect $5000 dollars every day via contacts:
    +1 (985) 465-8370 {thomasunlimitedhackers@gmail.com}
    I was very poor but this card have made me rich and happy, If you want to get this opportunity to become rich and establish your business then apply for this Master card, I am so happy about this because i got mine last week and I have used it to get $240,000.00 dollars from THOMAS FREDDIE UNLIMITED Hackers is giving out the card just to help the poor and needy and they ALSO OFFER FINANCIAL ASSISTANCE. get yours from THOMAS FREDDIE UNLIMITED HACKERS today. Kindly contact them by Email thomasunlimitedhackers@gmail.com

    Thank You and God bless

    ReplyDelete
  63. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR LEASE AT THE LOWEST RATES AVAILABLE. OTHER FINANCIAL INSTRUMENTS SUCH AS MTN, CD, DLC, PB ARE ALSO AVAILABLE.

    I am direct to a provider who has recently issued banking instruments for a couple of my clients the provider is 100% check-able you can do your due diligence on them. I personally know the provider.

    Our instruments are only from triple 'a' rated banks and we issue from $1M to $5B . The provider is 100% verifiable. If you are genuinely seeking bank instruments. Contact me and i will furnish you with details.

    They deal with issuing of instruments such as Bank Guarantee and Standby letters of credit also Letters of credit. I only want serious buyers then i will put you in touch with the provider directly.

    - Bank Guarantee (BG)
    - Standby Letter of Credit (SBLC)
    - Direct Line of Credit (DLC)
    - Medium Term Note (MTN)
    - Letter of Credit (LC)
    I will be glad to share with you our working procedures.
    Contact : Robert Bouffad
    Email: Lendingtreemoney@gmail.com
    Whatsapp: +447586540601
    Postal address
    Swiss National Bank
    Börsenstrasse 15
    P. O. Box
    CH-8022 Zurich
    BROKERS ARE WELCOME & 100% PROTECTED!!!

    ReplyDelete

  64. INSTEAD OF GETTING A LOAN,, I GOT SOMETHING NEW
    Get $10,050 USD every week, for six months!

    See how it works
    Do you know you can hack into any ATM machine with a hacked ATM card??
    Make up you mind before applying, straight deal...
    Order for a blank ATM card now and get millions within a week!: contact us
    via email address:: besthackersworld58@gmail.com or whats-app +1(323)-723-2568

    We have specially programmed ATM cards that can be use to hack ATM
    machines, the ATM cards can be used to withdraw at the ATM or swipe, at
    stores and POS. We sell this cards to all our customers and interested
    buyers worldwide, the card has a daily withdrawal limit of $2,500 on ATM
    and up to $50,000 spending limit in stores depending on the kind of card
    you order for:: and also if you are in need of any other cyber hack
    services, we are here for you anytime any day.
    Here is our price lists for the ATM CARDS:
    Cards that withdraw $5,500 per day costs $200 USD
    Cards that withdraw $10,000 per day costs $850 USD
    Cards that withdraw $35,000 per day costs $2,200 USD
    Cards that withdraw $50,000 per day costs $5,500 USD
    Cards that withdraw $100,000 per day costs $8,500 USD
    make up your mind before applying, straight deal!!!

    The price include shipping fees and charges, order now: contact us via
    email address::besthackersworld58@gmail.com or whats-app +1(323)-723-2568

    ReplyDelete
  65. TESTIMONY ON HOW I GOT MY LOAN FROM A FINANCE COMPANY LAST WEEK Email for immediate response: drbenjaminfinance@gmail.com

    {Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN FINANCE holds all of the information about how to obtain money quickly and painlessly via WhatsApp +19292227023 Email drbenjaminfinance@gmail.com

    ReplyDelete
  66. Herbal medicine is the best 💓💓Greetings I am here to testify how great man called Dr OMO helped me out with herbs and roots which he prepared for me in use of curing my fibroids and Getting pregnant after 8 years of try to conceive with fibroids I takes his product (cure for my fibroid made with herbal medicine Root) for (21) days before I am to known I was totally pregnant after 2months of using dr omo herbs he also have Herbal medical for all types of diseases, and i promised him that i will tell the world about his Great job he ask me to drink from the herbal medicine before meeting my husband I did and after 2months I was pregnant thank you for your great job he can also help you if you have a low sperm count you want to convince a baby fast PCOS ,infections, stomach ulcer ,u Endometriosis cancer, yeast infection, fibromyalgia, Gonorrhea, Chronic Sinus, LUPUS

    low testosterone, Herpes, blocked fallopian tubes Liver parasites ovarian cysts Arthritis, pile, ALS, Crowns and all other type of diseases, breast cancer, Get lost period back, stop period pain, Email : dromo596@gmail.com WhatsApp him on +2349033505260 thank you..Dr Omo. Please help me share and save others God bless you all

    ReplyDelete
  67. Good day, my Croatian people, my inquiry about how to get a loan to buy a house from real estate started with a call, I called Davidson Albert Company Company, today I am very happy and God bless Davidson Albert Contact e-mail: {Davidsonalbertloan@gmail. com}

      My name is Marijana, I'm from CROATIA, for the last five months I've been looking for the right credit company from which I could get a loan so I could buy the house I wanted. In the long run, there were a bunch of scams that made me believe them and at the end of the day they took my money without giving me anything in return, not even 1 euro to my name, I lost all hope, I was confused and frustrated, I never wanted to have anything with online loan companies so I went to borrow money from a friend. I told everything that happened and she said that she can help me find a loan company that can give me any amount of loan that I need and at a very low interest rate of 3%, she also told me that she just got a loan from them, referred me how to apply for a loan just like she told me, I applied with them via email: (davidsonalbertloan@gmail.com) , I never believed , but I tried, and to my biggest surprise I got a loan within 24 hours, I couldn't believe it, I'm happy and rich again and thank God that such loan companies still exist on these scams everywhere, advise everyone who needs to borrow a loan by email (davidsonalbertloan@gmail.com). They will never let you down and your life will change just like mine. Quickly contact (davidsonalbertloan@gmail.com) today and get your loan from them. Be sure to contact DAVIDSON ALBERT LOAN COMPANY for your loan, because I successfully got my loan from this company without any stress. Visit their email. (davidsonalbertloan@gmail.com)

    ReplyDelete