Overdraft facility
In the event of unforeseen circumstances, the bank will authorise an advance payment of up to half your salary. To qualify, you must first complete a form, which is available in all our branches.
Consumer credit for your day-to-day expenses,
Short term
- Maximum duration: 24 months.
- Rate: 10%.
- Transferable portion (depending on salary).
- Repayment terms: monthly.
Medium-term
- Maximum duration: 120 months.
- Rate: 9%.
- Transferable portion (depending on salary).
- Repayment terms: monthly.
Events
- Periodicity: Ramadan, Easter, Tabaski/Eid, Back-to-school, Christmas, End of year.
- Maximum duration: 10 months.
- Rate: 1%.
- Maximum amount granted: XOF 1,000,000.
- Transferable portion (depending on salary).
- Repayment terms: monthly.
Equipment credit
We can help you realise your equipment purchase plans (vehicle, land, machinery, etc.).
- Maximum duration: 120 months.
- Rate: 9%.
- Transferable portion (depending on salary).
- Repayment terms: monthly.
Real Estate Credit
Looking to buy a house, renovate or build your own home? BNDA makes it possible!
- Maximum duration: 180 months.
- Rate: 8%.
- Transferable portion (depending on salary).
- Repayment terms: monthly.
I opened my account at the M'PESSOBA branch, for example. Can I perform my transactions at another BNDA branch?
Apart from credit transactions, BNDA offers you the possibility to perform all your banking transactions in any of its branches at no extra charge.
I have an outstanding loan. Is it possible to get an additional loan?
Yes, you can have an additional loan as long as the prescribed conditions are met. What are the required documents for taking out an employee loan?
To qualify for an employee loan, you must be able to provide the following documents:
For civil servants:
- Signed loan request (addressed to the branch manager)
- Direct debit form (provided by the bank)
- Copies of the last three (03) pay slips
- Copy of identity document
- Certificate of service
- Integration order
- Certificate of indebtedness in the case of repurchase by other banks
- The statement of account for the last three (03) months (in the case of repurchase) by other banks/li>
For the private sector employees:
- Signed loan request (addressed to the branch manager)
- DDirect debit form (provided by the bank)
- Copies of the last three (03) pay slips
- Copy of identity document
- Certificate of service
- Employment contract
- Certificate of indebtedness in the case of repurchase by other banks
- The statement of account for the last three (03) months (in the case of repurchase) by other banks
For pensioners:
- Signed loan request (addressed to the branch manager)
- Pension direct debit form (provided by the bank)
- Copies of the last three (03) pension slips
- Copy of identity document
- Pension certificate
- Certificate of indebtedness in the case of repurchase by other banks
- The statement of account for the last three (03) months (in the case of repurchase) by other banks
For the military personnel:
- Signed loan request (addressed to the branch manager)
- Direct debit form (provided by the bank)
- Copies of the last three (03) pay slips
- Copy of identity document
- Certificate of effective presence in the profession (for military personnel)
- Certificate of indebtedness in the case of repurchase by other banks
- The statement of account for the last three (03) months (in the case of repurchase) by other banks