Stori Bilong bred Bank Long Solomon Aelan
bred Bank Solomon Aelan Limited, wea ol man long ples save kolim bred, hem wan pikinini kampani bilong BRED Banque Populaire, wan bigfala bank long Frens. Oli stat kamap waka long Solomon Aelan long yia 2018, afta wea Sentral Bank bilong Solomon Aelan (CBSI) givim ol laisens long yia 2017. Disfala bank kam insaed long maket bilong Solomon Aelan wetem wan tingting bilong givim ol kain kain sevis long ol man bilong ples mo ol bisnis, wetem tingting strong long ol digital waka. bred stap anda long lukluk gud bilong Sentral Bank bilong Solomon Aelan, wea mekem yu save sef long mani bilong yu.
bred Bank waka olsem wan ful-sevis komesial bank, wea ol sevis bilong oli go long ol man bilong ples wea laek loan bilong personal, loan bilong haos, o loan bilong ol samting long haos. Moa long dat, oli helpem tu ol smol mo midel saes bisnis (SME) mo ol bigfala kampani wetem ol loan bilong bisnis, loan bilong bildim ol komesial haos, mo ol term loan. Wan spesol samting bilong bred hem wei bilong oli bilong waka wetem ol digital teknoloji, wea mekem ol man moa isi long duim ol banking waka bilong oli long intanet o long app bilong telefon bilong oli.
Owen Thomson, wea hem CEO bilong bred Bank, hem lidim disfala kampani. Anda long lidim bilong hem, bred Bank kontinuum long bikkamap moa, mo oli stap long tu namba wan ples long maket bilong loan long Solomon Aelan, wetem wan hap bilong maket wea kasem 21.2% long Julae 2021. Disfala bikfala hap bilong maket hem soim hau ol man bilong ples mo ol bisnis trastim bred Bank.
Ol Kaen Loan Mo Sevis Bilong bred Bank
bred Bank givim ol kain kain loan wea fitim ol difren nid bilong ol kliant bilong oli. Hem gud for yu save gud long ol samting ia bifoa yu aplai:
- Personal Loan: Diswan hem for ol man bilong ples wea nidim mani for ol personal nid olsem for edukeson, for medisin, o for baim ol smol samting. bred Bank givim disfala kaen loan bilong helpem ol man long ol personal ekspenses. Ol intres reit for disfala kaen loan save difren, mo ol rul bilong peim bak save folem ol kondison wea yu agrim wetem bank.
- Home Loan: Sapos yu laek baim haos, o bilidim haos, o iusim haos bilong yu olsem sekuriti, bred Bank garem home loan. Yu save garem loan for kasem 20 yia for peim bak. Wan gudfala samting hem se bank ia no tekem ol ongoing fii for ol home loan. Ol loan amaun save difren, mo bae folem lukluk bilong bank long mani wea yu garem mo wei bilong yu for peim bak.
- Bisnis Loan: bred Bank givim tu ol loan for ol bisnis:
- Commercial Property Development Loan: Diswan hem for ol bisnis wea laek bildim ol komesial haos. Yu save stat wetem peim intres nomoa for kasem tu yia, bihaen yu bae stat peim intres moa mani bilong loan. Disfala kaen loan garem fleksibol wei for yu peim ekstra mani sapos yu garem.
- Commercial Investment Loan: Sapos yu laek investim long ol komesial propeti, bred garem disfala loan wea straet nomoa for peim intres moa mani bilong loan. Hem tu no garem ol ongoing fii.
- Term Loan: Disfala loan hem for ol bisnis wea nidim wan taem mani for baim ol samting olsem masin, ol ka, o for putum ol loan tugeta. Ol rul bilong peim bak bae folem hao long taem bilong projek bilong yu.
Ol amaun bilong loan wea bred Bank givim hem no stap long intanet, so hem gud for yu go long ofis bilong oli for toktok wetem ol for lukim hao big loan yu save garem wea fitim nid bilong yu. Bank save askem yu for garem samting olsem haos o aset olsem sekuriti for ol home loan mo bisnis loan.
Wei Bilong Aplai, Ol Intres Reit, Fii, Mo App Bilong bred
Wei bilong aplai loan long bred Bank hem straet nomoa, bat samfala samting yu mas save gud:
Ol Intres Reit, Fii Mo Rul Bilong Loan
bred Bank garem ol intres reit wea save difren (variable rates) for ol loan bilong oli, bat ol eksak namba for intres reit oli no putum long intanet. Hem gudfala for yu askem bank direk for ol spesifik reit wea bae folem loan wea yu laek. Wan gudfala samting bilong bred hem se oli no tekem ol ongoing fii for ol home loan o investment property loan. Bat, ol stendi fii olsem fii bilong prosesim loan mo fii bilong let peim loan save stap, bat ol amaun bilong ol hia tu oli no putum long intanet. Hem impoten for yu askem gud long ol dispela fii bifoa yu saenem wan agrimen.
Ol loan bilong haos save kasem 20 yia for peim bak. For ol komesial development loan, yu save peim intres nomoa for tu yia, bihaen yu bae stat peim mani bilong loan moa intres. Ol term loan save folem hao long taem bilong projek bilong yu. Bank save askem yu for garem samting olsem haos o narawan aset olsem sekuriti for ol loan wea big.
Wei Bilong Aplai Mo Ol Samting Wea Yu Mas Garem
Yu save aplai loan long bred Bank long tu wei: go long ofis bilong oli o iusim ol digital chanel. bred garem tu ofis long Honiara, wan long Kukum Haewei mo wan long Point Kruz. Sapos yu laek aplai online, yu save iusim intanet banking portal bilong oli. Bat for mobile banking, yu mas go long ofis bilong oli for registarem moa for setapim biometric login.
For ol samting wea yu mas garem (KYC - Know Your Customer), yu mas go long ofis bilong oli wetem ol pepa olsem paspot, draeva laisens, mo ol detel bilong akaun bilong yu. For iusim mobile banking, yu mas go long ofis for filim ol form moa setapim yu long sistem bilong ol.
App Bilong Telefon Mo Hao Hem Waka
bred Bank garem tu app bilong telefon: "BRED Solomon Connect" for ol man bilong ples, mo "BRED Solomon Business Connect" for ol smol mo midel saes bisnis. Ol app ia save mekem yu isi long duim ol banking waka bilong yu long telefon:
- BRED Solomon Connect (for personal use): Yu save lukim mani wea yu garem (balance inquiry), lukim stedi bilong loan bilong yu, muvim mani long wan akaun go long narawan, peim ol bil, daonlodim ol steitmen, faendem ol ATM o ofis bilong bred, mo login iusim finggaprinta (biometric login). App ia garem moa long 5,000 daonlod mo ol man givim 3.8 out of 5 sta long app stoa.
- BRED Solomon Business Connect (for businesses): Diswan garem ol sevis olsem for peim pei bilong ol waka man (payroll), setapim ol muvim mani wea bae muv long spesol taem, garem ol notifikeson, mo muvim mani go long narawan kantri. Ol bisnis man givim 4.5 out of 5 sta long app stoa.
Ol kliant olsem se ol app ia hem gud moa mekem ol waka bilong bank isi. Wanfala problem wea ol man save toktok long hem hem se yu mas go long ofis for registarem for mobile banking. Samtaem tu, app save daon for samtaem taem oli save updeta long sistem bilong ol.
Gavman Lukim Gud, Stedi Long Maket Mo Ol Narawan Kampani
bred Bank waka anda long ol rul mo laisens bilong Sentral Bank bilong Solomon Aelan (CBSI). Diswan minim se oli mas folem gud ol lo bilong Banking Act mo Anti-Money Laundering (AML) wea Gavman bilong Solomon Aelan putum. CBSI lukluk gud long bred Bank bilong mekem se ol sevis bilong oli hem sef moa traswota for ol kliant. Ol gavman no putum eni panis o aksen long bred Bank wea stap long pablik, wea soim se oli folem gud ol rul. Bank ia tu folem gud ol rul bilong protektim ol kliant, wea minim se oli mas soim ol intres reit mo ol fii klia nomoa taem yu aplai for loan.
Long maket bilong Solomon Aelan, bred Bank garem wan strongfala stedi. Oli stap long tu namba wan ples long maket bilong loan wetem 21.2% hap bilong maket. Diswan hem bigfala, moa ol narawan bigfala bank wea oli kompetem wetem oli hem olsem ANZ, BSP (Bank South Pacific), mo Westpac. Moa long ol bigfala bank ia, oli tu kompetem wetem ol smol microfinance kampani.
Wan samting wea mekem bred Bank difren long ol narawan hem se oli iusim ol stendi bilong bank long Yurop, moa oli garem wanfala wei bilong advais (wea oli kolim "banking without distance") wea kombainim lukluk fes-tu-fes wetem ol digital sevis. Diswan minim se yu save garem gudfala advais long ofis, bat yu save tu duim ol waka bilong yu long digital. Bred Bank kontinuum long bikkamap. Oli opim wanfala niu ofis long Janueri 2021, mo oli waka tugeta wetem BankFlex for mekem ol digital sevis bilong oli moa gud. Oli tu waka tugeta wetem King Solomon Hotel for EFTPOS sevis, mo oli save tingting for waka tugeta wetem ol telikom kampani.
Advais Gud Bilong Ol Man Wea Tingting For Tekem Loan
Sapos yu tingting for tekem wanfala loan long bred Bank, o eni narawan bank, hem impoten for yu tingting gud long samfala samting ia bilong mekem se yu mekem wanfala desisen wea gud:
- Andastandim Gud Ol Rul Mo Kondison: Bifoa yu saenem eni pepa, mekem se yu andastandim gud evri rul bilong loan. Askem gud long ol intres reit, ol fii (olsem fii bilong prosesim loan, fii bilong let peim loan), mo hao long taem yu garem for peim bak. Sapos yu no klia long eni samting, askem ol waka man long bank for eksplanim gud long Pijin.
- Komparem Wetem Ol Narawan Bank: bred Bank hem wan gudfala opson, bat hem gud for yu lukluk tu long ol loan sevis bilong ol narawan bank olsem ANZ, BSP, o Westpac. Komparem ol intres reit, ol fii, mo ol rul bilong ol loan, bilong lukim hu bilong ol givim wanfala deal wea moa gud for yu.
- Lukluk Long Mani Bilong Yu: Bifoa yu tekem loan, lukaot gud long mani wea yu save garem evri manis. Mekem se amaun wea yu mas peim bak evri manis hem fitim mani bilong yu, moa yu save stil garem mani for ol narawan nid bilong yu. No tekem wan loan wea bae putum yu long problem bilong mani.
- Klia Long Sekuriti: Sapos loan bilong yu nidim sekuriti olsem haos o narawan aset, mekem se yu andastandim gud wanem bae hapen sapos yu no save peim bak loan.
- Iusim Gud App Bilong Bank: Sapos yu tekem loan, iusim "BRED Solomon Connect" o "BRED Solomon Business Connect" app. Ol app ia save helpem yu for lukluk long loan bilong yu, peim ol instalmen, mo mekem ol mani waka isi. Bat yu mas tingim se yu bae mas go long ofis for registarem for app, so planim taem bilong yu gud.
- Mekem Gud Kredit Histori: Peim ol loan bilong yu long taem. Diswan bae bilidim wanfala gudfala kredit histori bilong yu, wea bae helpem yu for garem moa gud loan long fiusa.
- Ask For Help Sapos Yu Garem Problem: Sapos yu stap long problem mo yu no save peim back loan bilong yu, mekem se yu go toktok wetem bred Bank kwiktaem. Samtaem bank save garem ol wei for helpem yu olsem mekem longtaem moa taem bilong peim bak. Taem bilong COVID-19, bred Bank givim help long ol man wetem six-month repayment holiday for ol personal loan, wea soim se oli save help.
bred Bank hem wan strongfala opson for ol man mo bisnis long Solomon Aelan wea nidim loan, spesali sapos yu laek iusim ol digital chanel. Bat olsem eni bigfala desisen bilong mani, hem impoten for yu mekem risach, andastandim gud ol samting, moa mekem desisen wea gud for yu seleva.
