Good Day
Interest Rates/Monthly Loan Repayment/Cumulative
Payments:
This is to certify that the management of the above named loan company
has decided to grant you your loan request of $650,000.00 after a
brief discussion with our loan officers and board of directors. We can
grant you that amount of loan on one condition, We need your trust
and co-operation.
Rebuilding Society, itself a mutual not-for-private-profit social
enterprise, was established with the commercial objective of becoming
a permanent and sustainable institution supporting the growing social
enterprise sector. In order to achieve this we set our fees, interest
rates and terms and conditions to cover our costs and protect our
funds against losses.
The interest rate, arrangement fee, terms and conditions are set
separately for each loan. These notes are intended only as a guide
for enquirers and form no part of any contract, agreement or offer.
The management therefore has set up a couple of terms and conditions
with regards to the amount you requested for, the terms and conditions
are clearly stated below:
TERMS AND CONDITIONS OF OUR LOANS
Loan Balance: $650,000.00
Loan Interest Rate: 3%
Loan Term: 1 year
Monthly Loan Payment: $55,050.90
Number of Payments: 12
Cumulative Payments: $660,610.85
Total Interest Paid: $10,610.85
Note: The monthly loan payment was calculated at 11 payments of
$55,050.90 plus a final payment of $55,050.95.
The term of the loan will depend upon the needs of the business, but
will not normally be less than six months or more than fifty years.
TRANSFER OPTIONS.
(1). Bank To Bank Transfer: Here you are to send down your banking
information so that we can forward it to the transfer department and
then they will have to transfer your loan amount into your bank
account .it will take 2 to 3 days to get this done.
Note a scan copy of your national identity card or a driver license
will be send along with this mail for documentation of your loan
process.
For the expedite and a step forward in this transaction you are
expected to get to me ASAP.
Bank to Bank Transfer:
The transfer of the loan must be a bank to bank transfer, except
otherwise stated by our company management or the borrower, so with
this you are then advice to provide your full banking information for
the transfer in your next mail.
Information needed for the transfer
Name on Account....................... ..............
Account Number........................ .............
Your Bank Name..................... .................
Country /Destination................... ...........
Bank Location...................... .....................
Routing Number........................ ................
Loan refund:
The loan must refunded back to the lender at the end of the tenure the
loan seeker is seeking the loan for without any delay. For this
reason, we are giving a maximum duration of (1) years to the loan
seeker so that he /she will be able to repay the loan within that
period. You are to note that repayment starts (6) months after
receiving the loan. And you are required to make a Monthly repayment
this is done because we do not want a situation whereby you are not
able to meet up with the Yearly payment. We will provide you our
account which you will be making the monthly installment after 6months
of receiving the loan.
REPAYMENT :
NOTE THAT REPAYMENT STARTS (6) MONTHS AFTER RECEIVING THE LOAN AND
YOU WILL HAVE TO MAKE REPAYMENT ONCE EVERY MONTH FOR GOOD (1 Years)
AND THE FIRST REPAYMENT WILL START AFTER 6 MONTHS. NOTE THAT YOU ARE
REQUIRED TO GET BACK TO US AND LET US KNOW IF THE LOAN TERMS AND
CONDITIONS ARE ACCEPTABLE TO YOU SO THAT WE CAN PROCEED TO THE NEXT
STEP FOR THE LOAN.
Security:
We will not normally ask for personal guarantees on loans from the
Social Enterprise Funds, but may require them for the ABLE Funds. We
will like to secure our loan against any assets of the organization
where possible. Lack of sufficient security will not necessarily
prevent the approval of a loan,also you are to send a scanned copy of
your National Identification or Drivers Licenses so as to Identify the
person we are giving out loan to.
Monitoring:
It is a condition of all loans that borrowers co-operate in our
regular monitoring, have proper financial systems, and provide
quarterly management accounts which the bank will be transferring the
loan into. If you are in agreement to the company terms and condition
you are then advice to get back to me as soon as possible so that we
can move to the next step.
Note: Your cell phone number must be reachable at all time because
without that we can not grant you this loan.
You are to send us an email as soon as possible stating if you are in
agreement with the terms okay.
Thanks for your Consideration.
Kind regards
CONDITION
There are two option which you are required to choose from which is
the collateral and non collateral loans
1. Collateral Process: I usually require an equity based property as
collateral for my loan acquisition. You need to send me a collateral
for this loan so that i may have the trust that as soon as i give you
this loan, you will pay back at the need of the terms. I do not accept
any other property type or kind due to the fact that some of our
customers have missed used this opportunity. They some times claim to
have properties and send us copies of ownership, and when they are not
able to pay back the loan and i want to claim these properties i then
find out that the properties belong to their family. The family will
then say they did not attest to the transaction at first so please you
have to make sure that the collateral you are dropping belongs to you
and not your family.
Non Collateral Process: This process required deposited of payment.
For the loan of $650,000 USD you are entitled to send a payment of $1,650
so that if you are unable to pay back the loan,your collateral will be
claim and you will be placed on the media house by the bank as most
wanted person which will destroy your family names plus yours. If you
pay back the loan, your payment will be returned back to you. One
thing about this alternative option is that it is a
Non-collateral/security obtained from banks here which is popularly
known as bank securities. When you obtain this
non-collateral/security, it actually yield value which will eventually
be equivalent to the loan you are obtaining during the stipulated
duration of the loan. When you are unable to pay back the issuing
Bank take the non-collateral which has yielded value as substitute for
the loan.
I will issue out your loan to the transferring bank immediately the
collateral is provided or the non collateral for the loan is acquired
from the bank. Because of the risk and expenses when collateral are
presented, So this is why i personally will always advice that our
customers should simply go for the non collateral alternative when
they do not have an equity based property to present as collateral.
But if you still insist that you present an equity based property then
that will be OK with us.
Best regard
John Henshew
Your email has been received and well noted, i want to let you know
that the non collateral deposit which you are about to deposit will be
return to you after the loan, and once this payment is confirm you
will receive your loan in your bank account information which you sent
to us which is as follow.
<snip>
WESTERN UNION PAYMENT INFORMATION
NAME; IBOI PAUL ERONS
COUNTRY; NIGERIA
STATE: EDO STATE
QUESTION TEXT: WHO MADE YOU
TEXT ANSWER: GOD
Make sure you attach the western union payment slip after making the
payment for proper documentation, and note that the name in the
western union payment information is the branch that is handing your
transaction okay.
waiting for the payment information so that we can proceed with the
transfer ASAP okay.
Best regard.
Sorry for the late response, we hard a company board meeting that is why we where unable to send you the account details on time, bellow is the account details, and make sure you send the payment slip after making the payment, the reason why we gave you the western union payment information before is because is fastest, account may take two or three days to reflect. thanks for your understanding.
Account name: iboi paul erons
Account number: <snip>1646
Bank name: First bank
Country: Nigeria.
Bank swift code: FBNINGLA
Waiting for your urgent response.
Best regard.
Sorry the inconveniences, we have a little problem with the Bank
network, so we decided you make the transaction with this new account
so that you will receive your loan on time okay.
BANK NAME: GUARANTY TRUST BANK PLC
ACCOUNT NAME: <snip>
ACCOUNT NUMBER: <snip>2647
SWIFT CODE: GTBINGLA
BANK ADDRESS: 635AKIN ADESOLA STREET, VICTORIA ISLAND LAGOS NIGERIA.
We are sorry for the inconveniences, please do try and make the
transfer today do that you will get your loan within the next 48hours,
amd make sure you send down the transfer slip so that everything will
be documented okay.
waiting for your urgent response.
both accounts have been reported
