ANZ Vanuatu

Kampani Ovaviu mo Histri long Vanuatu

ANZ Bank (Vanuatu) Limited i wan impoten bang we i stap wok long Vanuatu. Hemi wan kampani we i fulap laisens blong Australia and New Zealand Banking Group Limited (ANZ), we i wan bigfala bang long wol. ANZ i statem wok blong hem long Port Vila long yia 1971, mo stat long taem ia, hemi stap provaidem ol finansel sevis long ol man mo ol bisnis long Vanuatu. Kampani ia i rijista long Vanuatu Financial Services Commission (VFSC) anda long namba RA000647, wetem ID 2937.

Model blong bisnis blong ANZ long Vanuatu i stap long saed blong ful-sevis komesel bangking. Hemi stap givim ol sevis blong ol man, ol smol mo midel saes bisnis (SME), ol bigfala kampani, mo ol instityusen blong gavman. ANZ i wok gud blong helpem ol man we oli stap wok mo gat pei, ol bisnis we oli stap gro, ol bigfala kampani we oli stap wok long ol samting olsem natural rizosis, mo tu, long ol tred blong intanesenel. Mr Terence Low i stap lidim tim olsem Country Head blong ANZ long Vanuatu. Hemi gat plante yia eksperiens long Pasifik, we i soem strong komitmen blong ANZ long rijion ia. Ol maneja blong rileisen blong bang ia oli speselaes long ol kaen sevis olsem tred finans, kesh maneja, mo loa blong ol kampani, blong mekem sua se ol klaen oli kasem ol sevis we oli nidim stret.

Ol Kaen Loa, Intres Reit mo Fi

ANZ Vanuatu i stap givim plante kaen loa blong mitim ol nid blong ol diferen klaen. Ol loa ia oli inkludum:

• Personal Loa: Ol loa ia oli blong helpem ol man wetem ol nid olsem skul fi, ol emerjensi, impruvum haos, or ol narawan ekspens. Ol loa ia oli save stat long VUV 50,000 kasem VUV 5,000,000 (ia i olsem USD 430 kasem USD 43,000). Ol intres reit blong ol Personal Loa ia oli stap long 12.5% kasem 18.0% long wan yia (APR), be ol namba ia oli save jenis. Ol man oli save pem bak loa ia long wan taem blong 1 kasem 5 yia.
• Loa blong Haos (Mortgage): Hemi blong ol man we oli wantem pem haos blong stap insaed or blong investem. Ol loa ia oli save kasem VUV 50,000,000 (olsem USD 430,000). Ol intres reit blong Loa blong Haos ia oli stap long 7.5% kasem 9.0% long wan yia, wetem ol variebom reit. Oli gat tu ol spesel fiks-reit we oli save kamap. Ol man oli save pem bak loa ia long wan longfala taem, kasem 25 yia.
• Loa blong Trak mo Ol Aset: Loa ia i blong pem ol trak, ol masin, or ol narawan aset. Ol aset ia nao oli stap olsem sekuriti blong loa.
• Loa blong Bisnis: ANZ i stap sapotem ol bisnis wetem ol kaen loa olsem Bisnis Oveadraf, Term Loa, mo Tred Finans. Tred Finans i inkludum ol impo/ekspo leta blong kredit mo diskonting blong invois, we i save helpem ol kampani blong ol tred blong olgeta. Ol loa ia oli save pem bak long wan taem blong 1 kasem 10 yia, be ol kondisen ia oli save negoesiet.

Ol Fi mo Sekuriti:

Ol loa blong ANZ oli gat ol fi we oli atas long olgeta:

• Aplikaesen Fi: Long ol Personal Loa, hemi stap long VUV 5,000 kasem VUV 10,000.
• Establismen/Prosesing Fi: Hemi stap long 0.5% kasem 1.0% blong total amaon blong loa.
• Let Peimen Penalti: Sipos yu let long peimen blong manisli instalmen, yu save pem kasem 5% blong amaon ia.

Long saed blong sekuriti, ol loa ia oli nidim ol samting blong sekuriti:

• Personal Loa: Sipos loa i ova VUV 1,000,000, yu mas gat wan garanti or wan aset blong sekuriti.
• Loa blong Haos: Hemi mas gat wan rijista fas mogejs long propeti.
• Loa blong Bisnis: Hemi mas gat wan saj long ol aset blong bisnis or asainmen blong ol risivabols.

I impoten blong save se ol namba blong intres reit, amaon blong loa, mo ol fi we yumi stap toktok long olgeta ia, oli sam namba we oli stap aot long ol ripot or ol estimet, mo oli save jenis. Hemi gud oltaem blong kontaktem ANZ direk blong kasem ol namba we oli tru mo ol kondisen we oli stap wok long taem ia.

Ol Step blong Aplae, Teknoloji mo Ol wok blong Bang

Aplae blong wan loa long ANZ Vanuatu i save kamap long plante wei, we i mekem i isi blong ol man blong Vanuatu:

• Long Brans: Yu save visitim brans blong ANZ long Port Vila blong aplae direk mo toktok wetem ol staf blong bang.
• Tru long Mobil Ap: ANZ Pacific mobile app i mekem i isi blong aplae online. Ap ia i stap blong ol iOS mo Android telefon, mo i gat wan gudfala reiting long Google Play (4.0 star wetem ova 100,000 download).
• Tru long Intanet Bangking: Long websaet blong anz.com/vanuatu, yu save yusum intanet bangking portal blong faenem ol infomesen mo aplae.

Ol Nid blong Aplikaesen (KYC & Onboarding):

Sipos yu aplae, yu mas provaidim ol samting ia:

• ID blong foto (pasport, VNPF kad).
• Proof blong adres.
• Proof blong inkam (peislips, bang stetmen).

Blong ol bigfala loa mo ol kampani, oli save nidim mo plante infomesen folem ol ruls blong Anti-Money Laundering (AML) mo Counter-Terrorist Financing (CFT) blong blokem ol man blong yusum bang blong ol wok blong nogud.

Kredit Skoring mo Underaeting:

ANZ i yusum wan spesel sistem blong mekem kredit skoring. Sistem ia i lukluk long ol samting olsem histri blong loa blong yu (long Vanuatu mo long Australia/Niu Silan), amaon blong inkam blong yu, mo ol resio blong ded-sevis. Blong ol loa we oli had or oli gat bigfala amaon, oli save mekem wan manuol underaeting blong mekem sua se olgeta oli save handelem ol risik gud.

Dispatsmen blong Mani:

Sipos loa blong yu i aprovem, mani i save kam tru long plante wei:

• Transfa long akaon blong ANZ blong yu.
• Transfa tru long mobile mani olsem Vodafone M-Vatu.
• Yu save karem kesh long brans blong bang.

Mobil Ap blong ANZ Pacific:

Mobil ap ia i wan impoten tul blong ol klaen blong ANZ. Hemi gat ol fijas olsem:

• Mani transfa (long Vanuatu mo long ol narawan kantri).
• Pem ol bil.
• Skedul peimen.
• eStatements (stetmen blong bang we i stap long intanet).
• Sef mesejing blong kontaktem bang.

Ap ia i mekem i isi blong ol man blong manejem ol mani blong olgeta long olgeta ples, we i strongem digtol rij blong bang long ol aelan blong Vanuatu. ANZ i gat wan brans long Port Vila mo wan netwok blong ATM we i stap long ol aelan, we i mekem bang sevis i kasem plante man long Vanuatu.

Ol Rul blong Gavman, Maket mo Ol Kastoma

ANZ Bank (Vanuatu) Limited i wok anda long ol strongfala ruls blong gavman. Kampani ia i gat laisens anda long Dealers in Securities (Licensing) Act [Cap 70], mo i stap anda long kontol blong Vanuatu Financial Services Commission (VFSC). VFSC i wan impoten bodi we i stap mekem sua se ol finansel instityusen oli wok folem ol ruls mo oli stap sef blong ol man blong kantri. ANZ i pem wan anuel laisens fi blong VUV 500,000 mo i mas holem wan kapitol/sekuriti diposit blong VUV 5 milion, we i soem strong blong bang mo komitmen blong hem blong folem ol ruls.

Bang ia i folem ol ruls blong VFSC long saed blong AML/CFT (Anti-Money Laundering/Counter-Terrorist Financing), mo i stap undergoim ol riegula odit mo ripoting. Hemi mas gat wan maneja or dairekta we i stap long Vanuatu oltaem, mo wan ofisa blong komplaens, we i soem komitmen blong bang long lokal presens mo komplaens. Kasem tede, i no gat wan pablis penalti or enposmen aksen we i stap blong ANZ Vanuatu, we i soem se i stap wok gud long saed blong komplaens.

Posisen long Maket mo Ol Kompetita:

ANZ i wan long tri bigfala bang long Vanuatu, wetem National Bank of Vanuatu (NBV) mo Bank South Pacific (BSP). ANZ i holtem wan bigfala pisen blong maket, wetem estimet blong 30% blong ol retail diposit mo 35% blong ol korporet lendi long Vanuatu. Olsem wan bigfala bang, ANZ i difren long ol narawan tru long strongfala netwok blong hem long Pasifik, spesel eksperiens blong hem long tred finans, mo sapot we i kam long bigfala ANZ Grup. Digtol intigresen blong hem wetem Vodafone M-Vatu i mekem i save rij long ol man long ol aelan we oli stap longwe. Bang ia i gat ol plan blong gro mo impruvum ol digtol sevis blong hem mo blong lukluk long ol wei blong transfa mani wetem Australia mo Niu Silan. Oli stap tu tingting blong openem wan niu brans long Santo long fiuja.

Eksperiens blong Kastoma:

Long Google Play, ANZ Pacific App i gat wan reiting blong 4.0 aot long 5 star (tru long 1.46K riuviu). Plante man oli toktok gud long mobil ap blong hem i isi blong yusum mo ol sevis blong bang i stap wok gud. Be samtaem, oli stap komplain long ap i save hang or long ol fi blong loa i hae. ANZ i gat wan dediketed kol senta (+61 481 097 892), mo ol kastoma oli save yusum "Bank Mail" long ap blong mekem mesej. Sevis long brans i stap long Bislama, Inglis, mo Franis, we i mekem i isi blong ol man blong toktok wetem ol staf. ANZ i sapotem ol smol bisnis, olsem wan SME we i ekspodem kava i gro gud tru long tred finans fasiliti blong bang.

Ol Advai blong Ol Man we Oli Wantem Tekem Loa

Sipos yu stap tingting blong tekem wan loa long ANZ Vanuatu or long wan narafala finansel instityusen, i gat sam impoten samting we yu mas tingting long olgeta. Ol advai ia oli blong helpem yu blong mekem wan gudfala disisen:

1. Savi Gud Ol Nid blong Yu: Faswan, yu mas tingting gud long samting we yu nidim mani blong hem. Yu mas mekem sua se loa ia i stret blong mitim ol nid blong yu, be i no blong mekem yu putum yu yet long wan problem. Tingting gud long amaon we yu nidim, mo i no tekem plante mani we yu no save pem bak.
2. Anderstanem Ol Kondisen blong Loa: Hemi impoten tumas blong ridim mo andastanem gud olgeta kondisen blong loa. Ol samting olsem intres reit (variebom or fiks), ol fi (aplikaesen fi, prosesing fi, let peimen penalti), mo ol taem blong peimen oli mas klia long yu. Sipos i gat wan samting we yu no andastanem, askem bang blong eksplenem gud long yu.
3. Planim Bajes blong Yu: Bifo yu tekem wan loa, yu mas planim bajes blong yu gud. Yu mas save gud olsem wanem yu save pem bak loa ia evri manis, wetem intres mo ol fi. Mekem sua se loa peimen i no tekem olgeta mani blong yu, mo yu stap stil gat mani blong ol narawan impoten ekspens olsem fud, eletrisiti, mo narafala bil.
4. Kompia Wetem Ol Narawan Bang: ANZ i wan gudfala opsen, be i gud oltaem blong lukluk tu long ol narafala bang olsem NBV mo BSP. Kompia ol intres reit, ol fi, mo ol kondisen blong loa blong faenem wan loa we i stret gud blong yu.
5. Ol Sekuriti mo Garanti: Sipos loa blong yu i nidim wan sekuriti or wan garanti, yu mas andastanem gud ol risik we i atas long olgeta. Sipos yu putum wan aset olsem sekuriti, mo yu no save pem bak loa, bang i save karem aset ia. Sipos yu wan garanti, yu mas save se sipos man we i tekem loa i no save pem bak, yu nao yu mas pem.
6. Kontaktem Bang: Sipos yu gat eni kwestin or yu no sua long wan samting, i gud oltaem blong kontaktem ANZ direk. Oli gat ol staf we oli save helpem yu long Bislama, Inglis, mo Franis.

Tekem loa i save wan bigfala disisen we i save impaktum laef blong yu long wan longfala taem. Mekem sua se yu mekem wan disisen we i klia mo yu save gud olgeta samting bifo yu saenem pepa.