Upgrade Your Living Space with Vitas' Home Improvement Loan
This Loan helps individuals who have the desire to improve and enhance their homes by giving them an amount that contributes with the maintenance of the existing facilities, adding new ones or making other enhancements and improvements.
Why Vitas?
Vitas Home Improvement Loan offers you the financial support to transform your house into a dream home. Whether you're seeking maintenance, renovations, or the addition of new facilities, our loan provides the necessary financing to cover expenses and enable you to enjoy the enhanced comfort and beauty of your renovated house. Experience the joy of a revitalized living space with Vitas Home Improvement Loan.
Enjoy a hassle-free experience provided all necessary paperwork is complete. | Amount | Interest Rate (%) | Min EIR % | Max EIR % | Terms |
|---|---|---|---|---|
| 1000 | 30 | 26.54 | 50.13 | 6 - 42Months |
| 1001 - 1500 | 30 | 26.54 | 50.13 | 6 - 42Months |
| 1501 - 2000 | 30 | 26.54 | 50.13 | 6 - 48Months |
| 2001 - 3000 | 30 | 26.54 | 50.13 | 6 - 48Months |
| 3001 - 4000 | 28.5 | 26.54 | 50.13 | 6 - 48Months |
| 4001 - 5000 | 28.5 | 26.54 | 50.13 | 6 - 48Months |
| 5001 - 6000 | 23.5 | 26.54 | 50.13 | 6 - 48Months |
| 6001 - 8000 | 23.5 | 26.54 | 50.13 | 6 - 48Months |
| 8001 - 10000 | 23.5 | 26.54 | 50.13 | 6 - 48Months |
| 10001 - 14000 | 21 | 26.54 | 50.13 | 6 - 48Months |
- The minimum loan amount granted is 1,000 JOD.
- The maximum loan repayment period is 48 months.
- All products are subject to the commission instructions of microfinance companies No. (1/2023) issued by the Central Bank of Jordan.
- Personal eligibility criteria must be met, and the client must be at least 18 years old and no older than 62 years of age.
- All products are subject to the Sales Tax Law, based on the provisions of Article (22/C) of the General Sales Tax Law No. (6) of 1994.
- All products are subject to the Stamp Duty on Imports Law No. 20 of 2001 issued by the Ministry of Finance.
- The company's products are subject to the terms and conditions of the insurance contract with the insurance provider.
- The loan parties acknowledge the accuracy of the information provided to the company when applying for the loan, including supporting documents, addresses, phone numbers, and any other information.
- The client acknowledges that they are the real beneficiary of the loan and that the purpose of the loan is the same as stated in the loan application and contract.
- The loan parties have the right to file a complaint with the company's complaint unit through the available communication methods
- The client has the right to request a copy of the contracts by contacting the customer service department.
Regarding electronic payment methods, the client assumes full responsibility for any incorrect payment transfer or transfer to any other account.
Commission for granting credit is calculated in accordance with the provisions of Commission and Fees regulations for microfinance institutions no. (1/2023) in effect 14/6/2023.
In case the credit approval stipulates a condition of salary transfer based on an authorization document, where the monthly installment is deducted directly from the transferred salary to the bank (according to the terms of the agreements signed between the company and the relevant banks), the bank's commission for the cost of salary transfer deduction, issuance, and management of the authorization documents is calculated and deducted from the net loan amount, subject to the terms and conditions.
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