• Everyone
• CSP : C, D, E
• Age : +18 years
• Gender : Male or Female

LOAN AMOUNT AND SCHEDULE OF MATURITY

Loan amounts vary from MAD 5,000 to MAD 350,000 depending on the client’s financial situation.

The schedule of maturities: the period can reach up to 84 months depending on the client’s financial means and rhythm.

Target: Personal loan intended for civil servants (CSP C and D)

• Amount: From MAD 3,000 to MAD 350,000 (and more, depending on the client’s situation)
• Repayment Period: 6 to 144 months
• Conditions: Minimum Subsistence of MAD 1,500+ Family Allowances familiales
• Required Documents:

  * New Costumer:

  • • Copy of the National Identity Card
    • Proof of address dated less than 3 months
    • Proof of bank account identity (A void cheque or bank details certificate)
    • State of engagement or salary certificate
    • Last bank statement

  * Old Costumer:

  • Copy of the National Identity Card
  • State of engagement or the last bank statement

Target: Personal loan intended for civil servants (CSP C and D)

• Amount: MAD 3,000 to MAD 200,000
• Repayment Period: 6 to 84 months
• Conditions: Minimum Subsistance of MAD 1,800 + Family Allowances
• Required Documents:

  * New Costumer:

  • • Copy of the National Identity Card
    • Proof of address dated less than 3 months
    • Proof of bank account identity (A void cheque or bank details certificate)
    • Latest payslip
    • Work certificate dated less than 3 months
    • The last 2 bank statements

  * Old Costumer:

  • Copy of the National Identity Card
  • Latest payslip
  • The last bank statement

• Target: Everyone (Civil servants, retirees, private sector employees, GE…)
• Amount: MAD 3,000 to MAD 50,000
• Repayment Period: 12 to 18 months
• Required Documents: According to the target.

Target: Personal loan intended for pensioners of RCAR with the possibility of moving to other ranks.

• Repayment Period: 6 to 96 months
• Conditions:
  • Minimum Subsistence: MAD 1,500
  • Max Debt Ratio: 50%
  • Max Total Commitments: MAD 250,000 (if the costumer’s age > 65 years, maximum amount is MAD 150,000)
  • Costumer’s Age + Max Credit Term: 73 years
  • Max Number of Files during Life: 5 (All credits combined)
  • Collection Method: at the source
  • Reservation Period: 10 Calender days not-renewable
• Required Documents:
  • National Identity Card
  • Pension statement
  • The last bank statment (received at the costumer’s home). Failing that, a certified account statement dated less than 3 months.

Target: Personal Loan intended for new traders with RC

• Amount: MAD 150,000 max
• Repayment Period: 6 to 72 months
• Required Documents:
  • Copy of the National Identity Card
  • Proof of address dated less than 3 months
  • Proof of Bank Account Identity (a void cheque or bank details certificate)
  • RC model J
  • The last 2 bank statements

Target: Personal loan intended for traders without RC and registered for the Professional Tax.

• Amount: MAD 80,000 max
• Repayment Period: 6 to 60 months
• Required Documents:
  • Copy of the National Identity Card
  • Proof of address dated less than 3 months
  • Proof of bank account identity ( a void cheque or bank details certificate)
  • Certificate of Professional Tax Registration if seniority is ≤ 5 years, or Notice of Professional Tax Imposition if seniority is ≥ 5 years.
  • The last 2 bank statements.

Target : Personal loan intended for craftsmen without RC and registered for the Professional Tax

• Amount: MAD 80,000 max
• Repayment Period: 6 to 60 months
• Required Documents:
  • Copy of the National Identity Card
  • Proof of address dated less than 3 months
  • Proof of bank account identity ( a void cheque or bank details certificate)
  • Certificate of Craftsmanship issued by the ministry or Business Card.
  • Certificate of Professional Tax Registration if seniority is ≤ 5 years, or Notice of Professional Tax Imposition if seniority is ≥ 5 years.
  • The last 2 bank statements