The document discusses various loan products offered by Smart Service Bank including personal loans, credit cards, housing loans, and automobile loans. It provides overviews and key details of each loan type such as eligibility requirements, interest rates, fees, and features. For automobile loans specifically, it outlines the application process and documents required, loan limits, repayment terms, insurance coverage, and fees for partial prepayments or repossession.

1. Project: Prudential
Regulation
Given By : Sir Dileep
Kumar
Presented By: Tooba
Shafique
MBA - 36
Date : 30-11-
2019

2. BANK LOGO:
BANK SLOGON: Committed To Bank
Excellency
Bank Name: Smart Service
Bank Limited

3. In the case of taking loan to Smart
Service Bank limited the borrowers must
be need to open their account if they
haven’t, due to security concern. And
they people must do the transaction up
to 60,000 once a month and every
month the 10% are possesses , in case
of fraud the account’s of borrower will
be freeze

4. Consumer Financing
Credit Card
Personal Loan
Housing Loan
Autos Loan

5. Topic To
DiscussFeatures
Benefits
Eligibility
How to apply

6. SSB Credit Card
Loan
Discount.
Worldwide Accessibility.
Buy Now Pay Later.
Money Advance.
Riba-Free Credit Card.
Complementary Cards.
Services.
How To Get.
Eligibility.
Interest Rate

7. 10,00,000 clean loan
Up-to 15,00,000
against the liquid
assets
Clean Card
Limit
Secure Card Limit

8. Up to 5% discount
on petrol pumps,
supermarkets,
factory outlets etc.
30,000 establishment
in Pakistan & 24
million locations
Globally.
Discount
Worldwide
Accessibility

9. Free credit period of
up to 30 days to pay
for your purchase.
Up to 20% of card
limit you may get
cash through ATM.
Buy Now Pay
Later
Money Advance

10. Based on ujra
Islamic concept no
interest is taken just
monthly fee is
charge.
Up to 2
complementary
cards available.
Riba-Free
Credit Card
Complementary
Cards

11. 24/7 helpline service
with E statement.
htt://www.ssb.com.p
k/riba-free/ssb-visa-
credit-card.html
Service
How To Get
Call: 111 001 001

12. Eligibility
Criteria
Credit Scoring.
Credit limit based on monthly
income.
Depend on business or the
employee.
Installment must be 50% of
borrower's monthly income.

13. Interest Rate
Employee Banking Clients
Non- Employee Banking
Clients

14. SSB Personal Loan
Overview.
Special Features of the
SSB Personal Loan.
Eligibility Criteria.

15. Overview
We help you make this possible
with a SSB Personal Loans.
Featuring exciting schemes, easy
repayment options and competitive
interest rates, the SSB Personal
Loan is a hassle free way to fulfill
your financial needs.
Dream Home.
Best Education.
Dream Vacation.
Wedding.

16. Special Features of the Smart
Service Bank Personal Loan
Borrow up to PKR 1.5
millions
Easy documentation
and quick processing
Loans available with range
of repayment options from
6 years for personal
consumption or 9 years for
child’s education
No security, collateral
or guarantors required
Top up facility on
existing Personal Loans
with SSB
Competitive interest
rates 13.5

17. Eligibility
Criteria
Copy of Valid CNIC
Salary Slip
Salary Limit: 60,000

18. SSB Housing Loan
Overview.
Quick Approval
Flexible Term Loans
Easy Home Loan Balance
Transfer
Property record
Eligibility Criteria
Documents Required
Fee & Interest Rates

19. Overview
Buy your dream home with
the Arif Builder Home Loan
for Smart Service Bank
Limited. The loan has a
maximum limit of
Rs.2 crore and repayment
tenure of up to 20 years.
You can
avail an easy
Home Loan
Balance
Transfer or a
high top-up
Loan to
flexibly
manage your
existing
Home Loan.

20. Quick
Approval
The loan is approved
within 48 hours so
that funds do not
come in way of
shifting to your new
home.

21. Flexible Term
Loans
While buying a new home, you may need
assistance with your down-payment
schedule. A Flexible Term Loan then
comes in hand as you can withdraw as
per your needs and bank also prepay as
you have extra funds, without any extra
charge.

22. Easy Home
Loan Balance
Transfer
Transfer the balance
on your existing
Home Loan at an
attractive and
feasible interest rate
and save more on
your equated monthly
installment (EMIs).

23. Property
Record
A customized report that
familiarizes you with the
financial and legal aspects of
owning a home

24. Eligibility
Criteria
To be eligible for Arif Builders
Home Loan for SSB, you need to:
Have a certificate of
participation (COP) that
is active for a minimum
of 5 years.
Own a house/ office
(At a location where Arif
Builders operates).

25. Documents
Required
Know Your Customer
(KYC) documents.
Certificate of
participation (COP).
Mortgage documents
Income Tax
returns, balance
sheet, and P/L
account
statements for
the previous 2
years.

26. SSB Housing Loan Fee &
Interest Rates
Fee & Interest Rates
Interest rate + KIBOR 10%
Processing fees Up to 3%
Penal interest 2.00% p.m
EMI bounce charges Rs. 1000
Applicable following 1st equated
monthly installment (EMI) clearance

27. SSB Automobile Loan
Overview.
Features of the SSB Automobile
Loan.
Eligibility Criteria.
SSB Automobile Loan Deviation.
Documents Required For
SSB Automobile Loan Application
Process.
Partial Payment.
Repossession Charges.

28. Overview
With SSB scheme, you can apply
instantly and start driving your
ultimate dream Automobile in
just a few days. SSB also offers
both conventional product called
SSB Automobile Loan and
Islamic product called SSB
Automobile Ijarah.

29. Features Of The SSB
Automobile Loan
Loan limit between Rs.
200,000 to Rs. 5,000,000
Loan Charges For New
Customers At Rs. 7,500 +
Federal Excise Duty FED
Loan charges for existing
customers Rs. 3,750 + FED
Fixed or floating rate mark-up
option
Repay your car loan up to 7
years for new automobile and
5 years for used automobile
Both conventional and
Islamic products offered
Comprehensive insurance
cover
Bank also offers access to a
dedicated after sales
services team
Initially 13% of the cost of
vehicle pay by the customer
for both used and brand new
automobiles
Automobile must be
hypothecate
Second hand automobile not
older than 5 years that is
must be mentioned in
agreement

30. Eligibility
Criteria
 customers must
be 22 years old or
no more than 60
years old at the
time of loan
maturity.
Minimum income
Rs. 50,000.
Customers must
be 22 years old or
no more than 70
years old at the
time of loan
maturity.
Minimum income
Rs. 60,O00.

31. SSB Automobile Loan
Deviation
To Buy a
New
Automobile
To Buy a
Used
Automobile
To Buy an Imported
Automobile

32. Business
Persons
Documents Required For SSB Automobile
Loan Application Process
Salaried
PersonsCNIC, original and verified
copy.
2 most recent Passport-
sized photos.
Most recent and original
salary slips along with
latest 3-month bank
statement.
CNIC, original and verified
copy.
2 most recent Passport-
sized photos.
Latest 6-month bank
statement and Bank
Letter for account details
confirmation.
Proof of business such as
Tax Forms, Partnership
Agreement or other proof
of ownership.

33. 1. Partial Payment prior to delivery of vehicle
@10% of amount being settled + FED
2. Partial Payment after delivery of vehicle @5% of
amount being settled + FED
Actual or PKR. 50,000 whichever is lower + FED