Our credits / loans to individuals
Our range of bank loans in Yaoundé and in all our branches includes solutions tailored to the needs of our customers. For greater flexibility and to accommodate household budgets, the terms and conditions of these loans are negotiable. This offer is essentially based on the four products listed below.
- Permanent Overdraft (50 to 100% of net salary)
- Consumer Credit (Maturity of 4 years)
- Vehicle Loan (Maturity of 5 years)
- Construction Loan (Maturity of 10 years)
Overdraft is an advance of 50 to 100% of the net salary granted to holders of checking accounts with regular income domiciled at GOLDEN BANK for a maximum duration of 12 months.
Advantages
Simple: Now you have the opportunity to manage unforeseen expenses and handle month-end financial challenges effectively.
Flexible: You have the flexibility to decide with your customer advisor on the granted amount based on your income and adequately meet your needs.
Quick: Your overdraft facility is set up as soon as your first salary transfer is received at Golden Bank.
Economical: You only pay based on your actual overdraft usage.
Subscription Terms
- Must be an employee and holder of a checking account at Golden Bank
- Have at least 3 months of seniority in your company
- Provide the last 3 pay stubs
- Provide an irrevocable transfer certificate
- No minimum salary requirement
- Have received at least one salary transfer to your account domiciled at Golden Bank
Advantages
Simple: A credit is available whenever you need it. Transparent: Repayment plan tailored to your income.Subscription Terms
- Must be an employee and holder of a checking account at Golden Bank
- Have at least 12 months of seniority in your company
- Provide the last 03 pay stubs
- Provide the pro forma invoice for the equipment to be acquired
- Provide an irrevocable transfer certificate
- Must justify a monthly salary of at least 200,000 FCFA
Advantages
Easy: Manage your loan with fixed monthly installments tailored to your income.Flexible: You have the flexibility to choose the dealership and the brand of your automobile.
Subscription Terms
- Must be an employee and holder of a checking account at Golden Bank
- Have at least 36 months of seniority in your company
- Provide the last 03 pay stubs
- Provide the pro-forma invoice of the vehicle to be acquired
- Provide an irrevocable transfer certificate
- Must justify a monthly salary of at least 200,000 FCFA
Advantages
Simple: A credit is available at any time.Transparent: A repayment plan established according to your income.
Subscription Terms
- Be an employee and holder of a checking account at Golden Bank
- Have at least 36 months of seniority in your company
- Provide the last 03 pay stubs
- Provide the pro forma invoice of the vehicle to be acquired
- Provide an irrevocable transfer certificate
- Must justify a monthly salary of at least 200,000 FCFA