10 Questions
هل يتم منح القرض لأي مصري عامل بالخارج؟
False
هل يتطلب شرط تكون مدة الإقامة في الخارج تعدي سنتين في نفس الدولة التي كان فيها الشخص يعمل؟
False
هل هناك قيود على نوع المنتجات المقدمة للمصريين العاملين بالخارج؟
True
هدف قروض العاملين بالخارج هو التنازل عن العملة الأجنبية لصالح سداد الاقساط الخاصة بالعميل؟
True
يتم التنازل عن العملة الأجنبية بنفس العملة التي يقبض بها العميل مرتبه؟
True
هل تحتاج فئات معينة من الأوراق لاستيفاء المطلوب؟
True
نسبة الفائدة على القرض تبقى ثابتة طوال فترة القرض.
False
يتم طلب عقد العمل الموثق كجزء من الأوراق المطلوبة للحصول على القرض.
True
من الأوراق المطلوبة أيضاً عقد الإيجار أو التمليك في الدولة المقيم بها.
True
لا يشترط وجود تقرير I-Score الخارجي للحصول على القرض.
False
Study Notes
- Discussion about loan categories for expatriate workers, focusing on the requirement for specific documents.
- Goal of expatriate loans: to help workers settle their personal debt in the same currency they earned, reducing the need to exchange currencies.
- Conditions for loan approval: minimum net income of $5000 per year from a specific employment category.
- Eligibility criteria for loan approval: applicants must have worked for a year in the same country, with a valid employment contract and their residence period outside their home country should exceed two years.
- Types of loans: Two popular types include loans with a guaranteed repayment rate of 18% and those requiring proof of income with a yield of 19.25%. The returns on these loans may vary depending on the market interest rates at the time of the new loan application.
- Required documents: Application includes an employment contract, proof of residence outside their home country for over two years, three telephone bills, and a bank statement for the last three months.
- Loan details: The maximum loan amount is 3 million JD and the repayment period is four years.
- Loan product information: Lenders offer two types of loans: those where the company deducts the repayment from the employee's salary at a fixed rate and those where the borrower pays the interest alone.
- Interest rates: Rates may change based on market fluctuations, and the new loan will be subject to the prevailing interest rate.
This brief discusses the required categories and documentation process for obtaining loans for overseas workers. The focus is on understanding the target groups and how to fulfill the necessary paperwork for the loan application.
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