JN Bank

Ina Jamdown, wia di palitiks an di egganami a evawolv, it kritikal fi piipl an bizniz fi get akses tu moni fi gruo an du wel. Wan a di bigges pliya dem ina dis spies a JN Bank. Dis a no jos eni bank; dis a wan bank weh memba dem uon, an it a wok ina wan dip chruu digial weh an stil av branch dem aal uova di ailand. Mi a wan finanshal analist, an mi a gi yuh wan klier-ai luku luku pan JN Bank, dem loan dem, an weh dat miin fi yu, di borua.

Bout JN Bank: Di Istori An Di Wes Dem Dweet

Di istori a JN Bank Limited a tek chruu di ier dem. It staat op pan Februari 1, 2017, wen di uol Jamaica National Building Society (JNBS) ton into wan big komershal bank. Dis bank a wan paat a di big big Jamaica National Group Limited (JN Group), weh di memba dem uon it tu di kian. Dis miin se di piipl weh a du bizniz wid di bank a di sem piipl weh uon paat a it an get fi voat pan imptant matta dem.

Di bank a wok wid wan patikula bizniz madl weh dem kaal mutual koaparetiv madl. Dis miin se di fokus a fi di memba dem, no jos fi mek prafit fi shaare-uona dem. Dem a tek money fi kip, lend out money, an gi out difrent kain a digial finanshal savis. Di piipl dem weh dem a target a:

• Piipl weh get pie (salaarid) an piipl weh wok fi demself (self-emplaid) weh need pesnal loan.
• Likl tu midl saiz bizniz (SME) weh need money fi gruo.
• JN Group memba dem weh get speshal benifit an aadishanal savis.

Wan ting weh mek JN Bank difrent a dem ONE JN Passport. Dis a wan ap weh mek yuh get tu aal kain a JN savis wid wan singgl log-in. Dem av loyalti riwaad tu, an dis a fi mek shuo se di memba dem stil get speshal chriitment. Di ofis fi di bank a dehn a 24 Constant Spring Road, Kingston 10, a Jamdown.

Wah Kain A Loan JN Bank Deh Gi Out?

JN Bank av a diip koliekshan a loan dem weh dem deh gi out, fram pesnal niid tu bizniz niid. Lika mi a seh, mi a gi di detiel dem weh mi fain out:

Pesnal An Spechal Loan Dem

• Pesnal Ansekioerd Loan (Blue Tag): Dis a wan papyula loan fi piipl weh need money fi aal kain a ting.
  • Ou Much: Yuh kyan get op tu JMD 5 milian (weh roun bout USD 30,000).
  • Hou Lang: Yuh kyan pie it bak fi 5 tu 7 ier.
  • Intres Reet: Di reet dem a gwaan gud, bot di egzak reet nuh publosh evri wier. Yuh a gwaan get wan gud reet.
  • Fii Dem: Di praisesin fii a nuh too much. Dem kyan dedok di pie-ment fram yuh pie-slip (salaari-dedokshan), an yuh need fi set op wan standin oarda.
  • Kolataral: Yuh nuh need no kolataral fi dis wan, so dat mek it iezi.
  • Ting Dem Weh Yuh Need: Yuh mos bi 18 ier uol an uova, av wan valit AIDII, proof se yuh get money, Tax ID, an fi fil out di KYC faam.
• Motor Vihikl Loan (Kaa Loan): Fi piipl weh waah bai wan nyuu ar yuuz kaa.
  • Ou Much: Fi nyuu kaa, op tu JMD 4 milian; fi yuuz kaa, op tu JMD 1.5 milian.
  • Hou Lang: Op tu 7 ier fi pie it bak.
  • Intres Reet: Dem av gud reet, sumtaim dem gi out promo reet weh laa az 5.5% pan di ier.
  • Kolataral: Di kaa weh yuh a bai a di kolataral.
  • Fii Dem: Dem av wan arijinieshan fii, an if yuh pie lie-t, dem a chaarj yuh.
• Inshorans Priumium Finansin: Dis a fi help yuh pie fi yuh inshorans fi yuh yaad ar kaa.
  • Ou Much: It a kova di uol inshorans priumium.
  • Hou Lang: Shaat torm, op tu 12 mont.
  • Intres Reet: Singgl-dijit reet, bot di egzak reet dem nuh publosh.
  • Kolataral: Nuh need no kolataral.
• Rezidenshal Enarji Loan: Fi piipl weh waah put ap solair an mek dem yaad yuuz les enarji.
  • Ou Much & Reet Dem: Dis a depen pan di prajek, so dem a gi yuh wan speshal kuot.
  • Hou Lang: Op tu 5 ier.
  • Kolataral: Di ikwipment weh yuh put ap a di kolataral.

Bizniz Loan Dem (SME & Komershal)

JN Bank tuu a gi out bigga loan fi bizniz chruu di JN Group fi dem kaaporit aam. Dis a fi help bizniz gruo an mek aal kain a ting:

• Kain A Loan: Dem av money fi wok wid (workin kyapital), fi bai ikwipment (aset finansin), an fi chried (chried kredit).
• Ou Much: Yuh kyan get fram JMD 10 milian op tu JMD 100 milian ar muo (weh roun bout USD 60,000 tu USD 600,000+).
• Reet Dem & Kondishon Dem: Dis a depen pan di bizniz an di prajek, so dem a nikogosiet di torm dem. Wan kredit komiti a apruuv di big loan dem.
• Kolataral: Dem kyan aks fi lan, yaad, ikwipment, ar di money weh piipl ou di bizniz (risiivabl).

It imptant fi nuo se di egzak intres reet dem, fii dem, an kolataral ting dem a sumtaim speshaliz fi evri wan weh aks fi loan. Di bank a seh se dem av gud reet, bot dem nuh put di egzak reet dem out a publisk.

How Fi Aks Fi Money An Yuuz Dem Savis

JN Bank a yuuz difrent weh dem fi mek yuh kyan aks fi loan an manij yuh money. Dem a yuuz modarn teknalaji wid branch dem aal uova Jamdown.

How Fi Aks Fi Loan

• Fon Ap (ONE JN Passport): Yuh kyan yuuz di ONE JN Passport ap pan yuh Ay-O-Es ar Andraid fon fi aks fi loan. Dis ap a mek it iezi fi get tu aal kain a JN savis, an yuh kyan chat wid dem tu.
• Intanet Sait (JN Bank Live): Pan di intanet sait, yuh kyan manij yuh akount, si ou much money yuh av, an aks fi loan tu.
• Branch Dem: JN Bank av uova 35 branch aal uova di ailand. Yuh kyan go a wan branch an taak tu wan loan ofisa.

How Dem Dweet Di Praisesin

• Ting Dem Weh Yuh Need (KYC): Fi yuuz di ONE JN Passport, yuh need wan govament AIDII an Tax ID. If yuh go a di branch, yuh need wan yutiliti bil, wan fuoto AIDII, an dem a yuuz baiometrik fi mek shuo se a yuh.
• How Dem Chek Yuh Kredit: JN Bank av dem uon weh fi chek kredit. Dem a luk at yuh kredit skuo fram kredit byuuro (laka CRIF/Experian), chek ou much money yuh get, an ou much det yuh av. Bigga bizniz loan dem a get mannyual reviuu.
• How Dem Gi Yuh Di Money:
  • Dem kyan put di money pan yuh JN Bank akount ar wan ada Jamdown bank akount.
  • Yuh kyan tuu get it chruu JN Smaat EATIIEM wid yuh fon walet.
  • Sumtaim yuh kyan get cash a di tela ar chruu JN Money Remitans paatna dem.
• How Dem Koliek Di Money: Fi piipl weh get pie, dem a dedok di money fram dem pie-slip. Ada piipl kyan set op standin oarda ar aato-pie. Dem a sen SMS an kaal fi rimain yuh if pie-ment a kom op ar if yuh ou dem money. If yuh pie lie-t, dem a chaarj yuh JMD 500 evri mont plus 5% a di amount weh uovadiu.

Fon Ap An Teknalaji

JN Bank a yuuz teknalaji fi mek dem savis dem iezi fi akses. Di ONE JN Passport Ap a di sinting, weh yuh kyan yuuz fi aks fi loan, get loyalti riwaad, an chat wid dem. Di ap av som ishu, laik log-in eror an krahsh, an di Andraid vershan av wan 2.4 staar reitin. Bot di JN Pay Walet Ap, weh yuh kyan sen money roun an pie bil, av wan gud 4.9 staar reitin an piipl a priez it fi di spiid an sikyoriti.

Kliant Fiil An Riivyuu Dem

Ou kliant dem fiil a imptant. Di ONE JN Passport Ap av som komplain bout log-in an krahsh. Bot di JN Pay Walet Ap a get gud fiilbak fi bi fast an sikyor. Sumtaim kliant dem komplain bout loan money tek long fi kom out, an bout di kostoma savis tek long fi riplai. Bot dem av sukses stori tuu, laik likl bizniz weh get loan fi gruo an piipl weh kansalidet dem loan wid Blue Tag an pie les intres.

Di Bank An Di Govaament: Regulieshan An Kompietishan

JN Bank a wok andarin di lwa dem an a get supavaiz bai di govament. Di Bank of Jamaica (BOJ) a di big bos weh gi dem laisins fi bi wan komershal bank. Dem a get chek bai BOJ fi mek shuo se dem a du di rait ting an a fala di ruul dem, espeshal wid anti-mani loundrin (AML/CFT). Di bank nuh get no big panalti ar eni ishu fram di govament weh wi nuo bout a publisk.

Weh Dem Stan Op Agens Ada Bank Dem

JN Bank a di tord bigges bank ina Jamdown weh a tek money fi kip, wid op tu JMD 180 bilian ina aset. Dem a kompiit wid big bank dem laik:

• Scotiabank Jamaica
• National Commercial Bank (NCB)
• First Global Bank
• CIBC FirstCaribbean

Di ting dem weh mek JN Bank difrent a se a memba dem uon it, dem av loyalti riwaad (laka Klub Kingston/Klub Mobay), an dem a intigriet wid di uol JN Group savis. Dem plan a fi gruo di bizniz loan dem, di JN Pay digial walet, an get tu di diaspora ina di YU-ES-EI.

Gud Aadvais Fi Piipl Weh Waah Boru Money

If yuh a tink bout aksin JN Bank fi loan, yuh fi nuo som ting dem. Lika eni finanshal disizhan, yuh mos bi smuut bout it:

• Undastan Di Torm Dem: Mek shuo yuh riid an undastan di intres reet dem, di fii dem, an aal di kondishon dem bifuo yuh sain eniting. If yuh nuh undastan, aks di loan ofisa.
• Chek Yuh Kredit Skou: It gud fi nuo weh yuh kredit skou a stan. Wan gud kredit skou kyan help yuh get beta reet.
• Plan Yuh Pie-Ment: Mek shuo yuh kyan riyali afuod di montli pie-ment dem. Yuh nuh waah tek loan weh yuh kyan't pie bak, kaaz dat kyan land yuh ina chrobl.
• Yuuz Di Digial Savis Dem: Di ONE JN Passport an JN Pay Walet kyan mek manijin yuh akount an loan dem iezi. But bi awer a di ap ishu dem weh kliant dem ripuot, espeshal wid di ONE JN Passport. Mek shuo yuh ap a di laatis vershan.
• Aks Kweschan: If yuh av eni kweschan ar kanseen, don't fraid fi aks JN Bank kostoma savis. It gud fi nuo di ansa dem bifuo yuh komit.
• Kompier Wid Ada Bank Dem: Aalwiez luk roun a ada bank dem tuu. Sumtaim wan neda bank av wan beta ofa weh fit yuh bett.

JN Bank a wan papyula an strong plaia ina di Jamdown finanshal maakit, espeshal wid dem fokus pan memba an digial inovieshan. Bot laik eni finanshal prodok, yuh fi du yuh uon luku luku an mek shuo it a di bes fit fi yuh.