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Can I access the approved loan amount in multiple payments?
No. The approved amount can only be accessed in a single disbursement. If you accept only part of the total amount, you cannot return later for the remaining balance.
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How will I know the loan repayment terms, including the first payment date?
These details will be shown online after the offer is accepted and will also be sent by email after disbursement.
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How can I get on the pre-approved listing?
Existing customers are regularly segmented, assessed, scored, and approved by the Group Risk Management Division. At this time, there is nothing a customer can actively do to become pre-approved for this unsecured loan.
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Do I need an NCB account to qualify?
Yes. You must have an NCB savings or current account to be pre-approved for an NCB unsecured loan at this time.
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Do I need to visit a branch to sign documents or arrange repayment?
No. You do not need to visit a branch to arrange monthly payments to be deducted from your account. A branch visit is only required if you want to repay the loan in full early and close it out.
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Can I specify the account to which the loan proceeds should be deposited?
No. By default, the loan amount is deposited to the savings or current account where you receive your salary.
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How do I know which branch the loan account was opened at?
The loan will be opened at the branch associated with the main account linked to your debit card.
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Can I repay early without penalty?
Yes. You may repay the loan early without penalty, but you will need to visit a branch to process the early repayment and close the loan.
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Is there a compulsory savings component attached?
No. There is no compulsory savings requirement.
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