Scotiabank

Ina Jamaica, wen yu taak bout bank, Scotiabank Ja a wan niem we piipl nuo ah chros. Dis a no jos wan a di uol bankz dem pan di ailan, bot it a wan a di bigis tuu. Fi di piipl dem we a liv a Jamaica ah we a luk fi fainanshal saavis, fram smal tingz tu big tingz, Scotiabank Ja a dier fi dem.

Di Stori a Scotiabank Ja ah Weh Dem Duu

Di Bank a Nova Scotia Jamaica Ltd., we piipl nuo beta az Scotiabank Ja, a no sinting we jos kom out. Dis bank set op ina 1889, we mek it di fos komorshal bank fi opn a Jamaica. Fahn dat taim, dem a ron ah a gruo, ah nowa it a wan ful-op saabsidieri a di Scotiabank Gruup we a wan big-big intanashanal kumpni we lis pan di Toronto Stok Ekschienj (TSX: BNS).

Di hed aofis a Scotiabank Ja a Kingston, pan Duke ah Port Royal Strit, a di Scotiabank Senta. Dem a wan "yunivarsal" bank, we miin se dem a gi out aal kain a saavis: loan, sievinz akaunt, kredit kaad fi evribadi – fram yu az wan persn, tu di smal bizniz dem (SME), tu big kumpni, ah iivn piipl we liv abruod (diaspora kliant). Di bank prsident ah CEO a David Noel, we a gwaan wid di ting fahn 2019.

Loan Dem we Scotiabank Ja Gi Out

Scotiabank Ja a gi out nuff kain a loan fi difrent difrent niid. If yu a luk fi moneh fi yu hous, yu kyaa, fi edikieshan, ar fi yu bizniz, dem av somting fi yu. Mek wi luk pan som a dem:

• Kyaa Loan (Nyuu): If yu wahn bai wan nyuu kyaa, dem kyan gi yu loan fi it. Di intres riet kyan de widin 8.50% tu 11.75% ah yu kyan pie it bak op tu 7 yierz.
• Kyaa Loan (Yuuz): Fi yuuz kyaa, di intres riet a likl bit haiya, fram 10.10% tu 14.75%, ah yu stil kyan get op tu 7 yierz fi pie bak.
• Maagij Loan: Dis a fi piipl we wahn bai ar bild dem uon hous. Di intres riet a frahn 8.50% tu 12.49% ah yu kyan get lang taim, fram 5 tu 25 yierz fi ripie.
• Scotia Plan (An-sikyuur): Dis a wan persnal loan we dem gi yu widout yu aafra fi put dong sikyuriti. Di intres riet kyan de fram 18.00% tu 24.99% ah di ripiement taim a 6 monts tu 5 yierz.
• Kash-Sikyuur Loan: Wid dis wan, yu put dung kash az sikyuriti. Di intres riet a beta, fram 9.00% tu 11.00%, ah yu av 6 monts tu 5 yierz fi pie.
• Nyuu Lat Loan: If yu wahn bai wan pis a lan, dem kyan gi yu loan fi dat tuu. Intres riet a 8.50% tu 12.49% ah yu av op tu 15 yierz fi ripie.
• Bizniz Torm Loan: Fi smal ah midiom bizniz, dem kyan gi loan fram JMD 30,000 tu JMD 1,500,000, ar iivn op tu US$500,000. Di rietz a kumpetitiv (roun 9.99% tu 12.99%) ah yu av op tu 15 yierz.
• Kredt Lain (Bizniz): Dis a fi bizniz we need moneh fi dier iivride tingz. Yu kyan get op tu US$500,000 ah yu onli pie intres pan di moneh we yu yuuz.

Fii ah Sikyuriti We Dem Aaks Fi

Nuo se wen yu tek out loan, dem av som fii we yu hafi pie. Scotiabank Ja a chaj fram 0.2% tu 1.5% a di loan amoun fi pruosesin, ah di liis yu kyan pie a JMD 1,500 tu JMD 2,000. If yu liiet fi pie yu montli instaalment, dem a chaj yu JMD 1,500 fi iich taim yu liiet.

Fi sikyuriti, fi di loan dem we an-sikyuur, yu noh hafi put dung notn, bot dat a di riizn wai di intres riet a haiya. Fi di loan dem we sikyuur, dem kyan aaks yu fi put dong kash, lan papaz (maagij), kyaa papaz, ar ada kain a valuabl tingz. So mek shuor yu andastan weh yu a sain fa.

Di Digitl Saavis ah Ou di Bank Roon

Scotiabank Ja nuo se di wol a chienj, ah piipl need fi get dier bankin done onlain. Dem av wan gud set-op fi dat:

Di Mobl Ap ah Digitl Pruoses

Di Scotia Caribbean Ap a dier fi yu fon, we yu kyan download pan yu Aiy-O-Es ar Andraid divais. Nuff-nuff piipl a yuuz it (muo dan 1 milian download), ah it get gud rietn (4.8 outa 5 pan Guugl Plee). Wid di ap, yu kyan:

• Chek yu balans.
• Sen moneh tu ada akaunt.
• Pie yu bil.
• Kontrol yu debit kaad (laan ah aaf it).
• Ah it av sikyuriti fi mek shuor yu moneh sieff.

Bisaid di ap, yu kyan yuuz di Scotia Onlain websait fi du moa ar iivn aplai fi loan. If yu wahn go ina di bank, dem av 46 branchiz ah muo dan 120 ATM aal uova Jamaica. Dem av iivn muo dan 200 kios a difrent stori dem fi du smadi bankin.

Ou Fi Aplai ah Wa Yu Need

Wen yu wahn aplai fi loan, yu kyan du it digitl ar yu kyan go ina wan branch. Di tingz we yu niid a:

• Wan valid AIDII (paspuort, draivaz laisins, ar vuota AIDII).
• Yu Tax Rijistrieshan Nombah (TRN).
• Pruuf a yu adres (eg. wan utiliti bil).
• Pruuf a inkom (eg. wan leta fram yu werk, ar payslip).

Di bank yuuz sistim laik KredtInfo ah CRIF NM Assure fi chek yu kredt istri ah mek shuor se evriting stricht ah klia. Fi smal loan, di disizhan kyan kom faas-faas, bot fi biga loan, espeshali fi bizniz, dem kyan luk pan it muo klaasika.

Di Govament Aftapana Dem (Regyulieshan)

Scotiabank Ja a no jos ron pan it uon. Di Bank a Jamaica (BOJ) ah di Fainanshal Saavis Komishan (FSC) a dier fi luk afta dem. Dis miin se dem hafi fala di ruulz ah regyulieshan dem we di govament set, laik di Anti-Moneh Landarin (AML) ah Kounta-Terarizm Finansin (CTF) laa dem, ah tingz fi protek kliant. Di bank noh ripuort nobadi big panalti ina di laas faiv yierz, we a wan gud sain.

Scotiabank Ja ina di Maakit ah Advaiz fi Yu

Aal uova Jamaica, Scotiabank Ja a di sekan bigis bank, rait bigaind Nashinal Komorshal Bank (NCB) wen it kom tu di amoun a aset we dem av. Dem av ada kumpitita laik JN Bank, CIBC FosKaribian, ah Fos Globl Bank.

Weh Mek Dem Difrent ah Weh Piipl Se

Scotiabank Ja mekin dierself difrent bikaz a di big branch netwok we dem av, di gud digitl saavis dem, ah di speshal loan we dem gi out fi smal ah midiom bizniz. Dem iivn av speshal saavis fi piipl we liv abruod. Di bank a gruo tuu; ina 2022, dem set op wan JMD 3 bilian fon fi fiimiel entreprenuor wid 7% intres. Dem a paatna wid Digicel ah Flow fi free mobl bankin tuu.

Wen yu luk pan we piipl a se, di mobl ap get nuff gud riivyuu. Piipl laik se it iizi fi yuuz ah sikyuor. Bot, som piipl kyan komplien bout transakshan we dislie, ar wen di ap a gi prablem. Som taim ATM kyan go dong, ar piipl av ishu wen dem a log in tu di ap ina piik taim. Bot, Scotiabank Ja av wan 24/7 kaal senta, ah espeshal piipl ina di branch dem fi help kliant.

Praktikal Advaiz Fi Piipl We Wahn Boroh Moneh

If yu a tink bout tek out wan loan fram Scotiabank Ja, ar fram eni ada bank, a som tingz yu fi nuo ah duu:

• Nuo Wa Yu Niid: Bifuo yu aplai, nuo egzaktli ou moch moneh yu niid ah fi we yu niid it.
• Chek Di Intres Riet Ah Fii: Aalwiez aks ah andastan di intres riet ah di fii dem we kom wid di loan. Dat a di moneh we yu pie an tap a di loan.
• Andastan Di Tormz: Riid op pan di ripiement plan, ou lang yu av fi pie, ah weh hapn if yu liiet.
• Mek Shuor Yu Kyan Pie Bak: Neva tek out moa loan dan we yu kyan manij fi pie bak iich mont. Yu fi luk pan yu inkom ah yu outgoin ah si if it fit.
• Yuuz Di Digitl Saavis: Di mobl ap ah onlain puortal kyan mek it iizi fi yu manij yu akaunt ah yu loan. Yu kyan pie bil ah chek yu balans fahn yu fon.
• Aks Kwestian: If eniting noh klia, aks di bank ofisa kwestion. Dem fi ansa yu so yu kyan andastan evriting.
• Kompier: Iivn if Scotiabank Ja sound gud, aalwiez luk pan we ada bankz a gi out tuu, so yu kyan get di beta dil fi yu.

Scotiabank Ja a wan big ah stapl bank a Jamaica, we a gi out nuff kain a saavis fi di piipl ah bizniz dem. Wid dier lang istri, dier digitl invesment, ah dier wilignis fi help, dem a wan bank we wor it fi yu fi kansida wen yu need fainanshal sopuort.