University Professors Program

Customized Financial Solutions for University Professors

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Personal Loan with Salary Transfer

	Associate Professor	Participating Professor	Professor
Maximum Loan Amount	JOD 35,000	JOD 50,000	JOD 75,000
Maximum Repayment Term	96 Months	96 Months	96 Months
Interest Rate	8.25% (fixed for the first year)	8% (fixed for the first year)	7.75% (fixed for the first year)
Credit Card	Preapproved World Mastercard	Preapproved World Elite Mastercard	Preapproved World Elite Mastercard

Personal Loan without Salary Transfer

	Associate Professor	Participating Professor	Professor
Maximum Loan Amount	JOD 15,000	JOD 20,000	JOD 25,000
Maximum Repayment Term	96 Months	96 Months	96 Months
Interest Rate	8.75% (fixed for the first year)	8.5% (fixed for the first year)	8.25% (fixed for the first year)
Credit Card	Preapproved World Mastercard	Preapproved World Elite Mastercard	Preapproved World Elite Mastercard

Housing Loan without Salary Transfer

Category	Interest Rate
Loan Amount Above JOD 75,000	7.75%
Loan-to-Value (LTV) below 80%
Buyout Loans	7%

Housing Loan with Salary Transfer

Category	Interest Rate
Loan Amount Above JOD 75,000	7.25%
Loan-to-Value (LTV) below 80%
Buyout Loans	7%

ملاحظة:

يرجى العلم أنه وعند انتهاء السنة الأولى من تاريخ تنفيذ القرض وبنسبة فائدة ثابتة كما هو موضح في الشروط والأحكام المذكورة أعلاه، تصبح هذه الفائدة متغيرة وبحسب تسعير الانتربانك لليلة واحدة مضافاً إليه الهامش المحدد بعقد القرض، ويحق للبنك بعدها تلقائياً تعديل أسعار الفائدة إما زيادة أو تخفيضاً كل ثلاثة أشهر بناءً على المعدل الشهري لسعر الفائدة الفعلي في سوق الإقراض بين البنوك للشهر السابق. للمزيد من المعلومات يمكنكم التواصل مع مركز الاتصال المباشر على مدار الساعة 065007777

A detailed explanation of how the Effective Annual Percentage Rate (APR) for loans is calculated:

Criterion	Value	Notes	Explanations
Nominal Interest Rate	12.00%	JODIBOR + Margin	Interest rate is derived from the pricing list for retail loans
Loan Amount	8,874	JOD	The requested loan amount
One-Time Fees and Expenses	0.00%	JOD (flat)	One-time fees and expenses, such as granting fees and loan disbursement expenses. For example: a 1% flat fee for a loan equals (10,000 * 1% = 100) + 10 JOD for loan disbursement expenses
Repayment Period	96 months	Installments/Months	The total number of installments required
Insurance Expenses	4	JOD monthly	Monthly expenses charged post-payments

Total Loan Value by End of Term

14,230

JOD

Total loan value, including interest, fees and expenses, calculated automatically

13.594%

Effective APR