Yes, the annual percentage rate is fixed for the finance period.

APR is the actual Profit charged over the term of the facility and is quoted on an annual basis. This is the true cost of the finance. It is calculated using a formula that is derived from dividing the Profit paid by the average principal outstanding, over the life of the facility. The profit is calculated on a daily basis, commencing on the date the transaction is executed.

The maximum amount you might get is§750,000

It starts from 3 months until 60 months as max.

No, you are not required to provide any collateral or guarantee to obtain Finance.

No, it’s not a required to transfer your salary to get this product.

No, the customer has the ability to select the repayment monthly installment date from ( 2 prefixed cycles ) at the stage of applying. And the selected date will be fixed during the facility period. The customer must make sure the installment amount is available in his/her account on the due date.

Yes, you can get a personal finance with salary guarantee or without it.

Yes, SAB allows Re-financing provided you have paid at least 20% of finance amount of your existing finance and the net finance amount is at least§10,000.

Yes, SAB allows customers to settle their finance before the maturity date. Upon the regulations the customer needs to pay the next three months profit as agreed earlier.

SAB understands your need for Personal Finance to improve your family circumstances or meet family needs. In the unfortunate event of your death (God forbid), SAB will waive the remaining finance amount to help prevent hardship for your heirs. However, to avail of this benefit, the heirs must require to provide full and correct information when completing the Medical Questionnaire at the time you apply for Finance. (For more details, please see the Instalment agreement.)

SAB will waive any outstanding finance should you become totally and/or permanently disabled (God forbid), provided such total and/or permanent disability continues for at least six months from the date of the event (accident or illness) that has caused such disability. However, to avail of this benefit, you are required to provide full and correct information when completing the Medical Questionnaire at the time you apply for Finance. (For more details, please see the Instalment agreement.)