Product Description

Money lent to a client to purchase fixed or capital assets, repayable by regular monthly reductions over a fixed period of time at an agreed rate of interest. A separate account styled loan is opened with a debit balance.

Features:

  • No debits posted to account after initial draw down
  • Interest debited monthly
  • Available to individuals and businesses
  • Pre-requisites

The following conditions should be met before the facility is approved by the Branch Manager/Personal Banker:

  • Purpose of the loan
  • Amount required and whether it is justified and sufficient
  • A detailed cash flow projection - which must be realistic and based on reasonable assumptions (business)
  • Period required
  • Source of repayment
  • Future earning capacity of borrower
  • Other outstanding commitments of the borrower
  • Future prospects of the industry in which the business operates (business).
  • A written agreement (offer letter) covering terms and conditions entered into are concluded before disbursement of the loan and provided these are adhered to, the bank will not call for early repayment.

 

Mortgage Loans                                   Consumer Based Loans

Take care of your family in death

The ZB Cash Funeral Plan comes with unique benefits to help you when a loved one passes on. It is your trusted companion which can be customised to suit your personal needs.

You can take cover for yourself and your dependents to provide funds to the family for funeral expenses.The plan gives you cash so that you have the freedom to choose which expenses you would want to cover.

Funeral Plan Benefits

  • Memorial Cash Benefit
  • Tombstone Cash Benefit
  • School Fees Benefit
  • Personal Accident Benefit
  • Free 6 months cover in case of retrenchment or disability

Testimonials

We provide our customers with a rich customer experience.

  • The level of customer service that I receive from ZB Life is next to none. ZB Life does not treat me like a policy number when I visit them but treat me like an actual human being ~~ Customer 1
  • After the death of my mother the cash I received from ZB life helped me to bury her with dignity. I recommend everyone to get a funeral plan with ZB ~~ Customer 2

Funeral Plan Requirements

We require you to provide your ID and make your first premium payment

 

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