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BINAA LOAN
Description
Conditions of eligibility
Extra points
Description
What is the "BINAA" credit?
The "Binaa" loan is an offer dedicated to financing personal needs for the construction of housing or premises.
Is the "BINAA" loan right for me?
The "Binaa" loan is designed for micro-entrepreneurs, employees in the private or public sector, retirees in the public or private sector, self-employed professionals, persons holding a license or persons with proven property income.
What are the advantages of "BINAA" credit?
The "Binaa" loan offers the following advantages:
- Adapted: a suitable solution for all housing and premises construction needs
- Affordable: enables people on low incomes to build their own homes or premises.
- Precise: all credit conditions are clearly defined in advance, including monthly repayments, administration fees, repayment terms and late payment penalties.
How do I obtain a "BINAA" credit?
Customers must submit their application at a branch close to their home and/or place of work. It is advisable to bring a valid National Identity Card with you on the day you submit your application.
What amounts and terms are available for the "BINAA" loan?
Amounts granted vary from 3,000 to 50,000 Dirhams, depending on the customer's creditworthiness and repayment capacity, and are repayable in monthly instalments over periods ranging from 6 to 48 months.
Conditions of eligibility
You must be under 70 years of age before the end of the loan term, a Moroccan national and have no outstanding loans with other local financial institutions.
Other criteria are required and presented to the branch when the loan application is formalized.
Extra points
– Les clients bénéficient d’une large gamme de couvertures d’assurance pendant toute la durée de leur prêt.
– Les clients, ainsi que leur conjoint et leurs enfants, bénéficient d’une couverture d’assistance complète durant la période du prêt, leur offrant un soutien en cas de besoin.
– Chaque client est équipé d’un compte de paiement MADMOUN, dans lequel le montant du prêt est débloqué. Ce compte leur permet de régler leurs échéances où qu’ils se trouvent, que ce soit dans n’importe quelle agence de la Fondation Arrawaj, dans d’autres points agréés, ou à distance via leur compte de paiement MADMOUN.
En plus du remboursement du prêt, les clients peuvent effectuer diverses opérations de paiement (factures, commerçants, etc.) ainsi que des transferts d’argent (vers un compte bancaire, un autre compte de paiement, un guichet automatique bancaire CIH, ou via une mise à disposition en agences).
– Chaque année, la Fondation Arrawaj offre à ses clients l’opportunité de participer à divers événements, tels que des expositions lors de salons et foires, de concourir pour remporter des prix, ou encore de bénéficier de subventions.
Testimonial
MOHAMED
TAHANAOUT
I've bought a plot of land in Tahanaout and I'm delighted to be able to start building today.
HOW DOES IT WORK ?
1
SUBMIT YOUR CREDIT APPLICATION AT A BRANCH
Bring your valid National Identity Card (CIN) to the branch nearest to your home or place of work.
2
OBTAIN AN AGREEMENT IN PRINCIPLE
Once your application has been completed and submitted, your file will be reviewed and you will be notified of the decision.
3
RECEIVE YOUR FINANCING QUICKLY
As soon as your application has been accepted, your financing is paid into your payment account.
HOW DOES IT WORK ?
1
SUBMIT YOUR CREDIT APPLICATION AT A BRANCH
Bring your valid National Identity Card (CIN) to the branch nearest to your home or place of work.
2
OBTAIN AN AGREEMENT IN PRINCIPLE
Once your application has been completed and submitted, your file will be reviewed and you will be notified of the decision.
3
RECEIVE YOUR FINANCING QUICKLY
As soon as your application has been accepted, your financing is paid into your payment account.
