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Within the last six years, our Bank has shown a lot of
commitment to the provision of Mortgage finance and banking services
by working out solutions to business problems through carefully
selected staff aided by the best available technology.
To facilitate more efficient customer service, the Bank
has concluded a comprehensive service delivery upgrade including the
upgrade of the work tools with greater emphasis on computers and
communication systems.
Our Bank fully recognizes the importance of building
its primary intermediation role around the customers' dynamic need.
Aside from the convectional banking products that are tailored to suit
the individual service needs of customers. These products and services
are available in the following areas:
FINANCIAL SERVICES
RETAIL BANKING
1
SAVINGS ACCOUNT
Unique features and Benefits
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Easy transaction on the account. Takes few minutes to operate.
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Our interest rate is attractive –
Industrial average, plus 2%
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Security of funds is guaranteed.
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Efficiency of service is guaranteed on the account
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Can effect lodgment / withdrawal from any of our branches or
affiliate bankers.
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Minimum balance of #500 only
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No prior notice for withdrawal on savings and
fixed deposit accounts.
2
CURRENT ACCOUNT
Unique Features and Benefits:
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Enables you to raise draft from any Bank of your choice.
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Receive/ send money for and on behalf of the customer from any
town, in Nigeria or overseas where there is a
financial institution.
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Enable other routine services like prompt issuance of
Reference Letters, Bonds and Certificates.
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Overdraft is easy to obtain.
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No prior notice on withdrawal
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It allows third party payment / withdrawal.
3
FIXED DEPOSITS
This is an account that has a fixed tenor of between 30-360 days
Special Features and Benefits to
Depositors:
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Certificate of Deposit is issued
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Minimum amount is #50,000
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Minimum tenor is 3 months.
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It can be used for collateral for our Advances.
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Interest is 3% above industrial average.
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Higher Yield on investment and above depending on tenor and
Volume of deposit-Normal rate plus 3%
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Fund is withdraw able before expiration of tenor (but with mild
penalty).
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No limit to the amount that can be invested.
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Rate is negotiable.
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Investment quads against frivolous spending.
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Special Mortgage Fixed Deposits (1 million Naira
and above) attracts a free empty land from Harvard Trust.
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PROPERTY SERVICE.
Here we offer cutting edge services in the following areas:
1 SALE OF PROPERTY:-
Requirements
- Registration with our property company – HTSL properties Ltd.
- Submission of valid Title documents.
- Completion of other forms.
2 PROPERTY ACQUISITION:
Requirements
- registration with the property company
- Description of property type including location
- budget level of client.
3 PROPERTY
DEVELOPMENT:
Requirements
- Availability of Land
- Provision of Valid Title
Documents
- Architectural Brief
- Client’s Budget level
- Time frame
4 PROPERTY DEVELOPMENT
FOR OVERSEA CUSTOMERS
Requirements:
- Land documents or land
acquisition funds.
- Building Plan
- Architectural Drawings.
- Bill of Quantities
- Clients Budget level.
- Time frame
5 TURNKEY PROJECT:
Requirements:
- Availability of land
- Provision of valid Title Documents
- Architectural Brief
- Client’s Budget level
- Management period
6 PROPERTY MANAGEMENT:
Requirements
- Provision of copy of title
Documents
- Letter of Appointment
- Revocation power of Attorney
- Management Period
7
ESTATE CONSULTANCY
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Property valuations
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Project Appraisal
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Feasibility and viability Appraisal
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Estate Agency
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Title perfection and investigation
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Real Estate Trading and investment
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MORTGAGE SERVICES
We also offer cutting -edge Mortgage service that are carefully designed
to suit the peculiar needs of the customer these special mortgage
services include:
1
HARVARD CORPORATE MORTGAGEE SCHEME
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Features/ Benefits
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Applicant must have C of O on a property.
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Submission of approved Drawings.
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Applicant shall provide certified Bill of Quantities
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Total savings by the Applicant must reach 40% of cost of
Building.
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The employee must be contributors to the NHF Scheme.
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The interest Rate is lower
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Maximum repayment period of fifteen (15) years.
2
STAFF QUARTERS LOAN SCHEME
Features / Benefits and Requirements
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Applicant must posses a c of o on a property.
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Shall provide certified Bill of Quantities
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Applicant must save up to 50% of total cost of project.
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A Maximum repayment’ period of ten (10) Years.
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Lower interest Rate.
3
HOUSE OWNERSHIP SCHEME “NKEM”
Requirements
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Applicant must have C of O on a property.
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Applicant’s total savings deposit must be up to 60% of project
costs.
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The scheme provides a maximum repayment period of 10 years.
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Scheme can be use by applicant to build or buy house.
4
HOUSE REFURBISHMENT LOAN SCHEME
Requirements
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The applicant must be an existing customer.
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The scheme provides one (1) year repayment period.
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Negotiable interest rate.
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Applicant shall have made 25% part contribution of total
refurbishment cost.
5 PROPERTY ACQUISITION SCHEME
Requirements and Features
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Applicant must have good title Document on a property.
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Shall make 75% part contribution of cost of property.
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The scheme runs on commercial interest rate.
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It provides a 12-month repayment period.
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Applicant must provide a good guarantor who must hold account
with the Bank for at least 6 months.
6
DOMESTIC APPLIANCES ACQUISITION SCHEME
Benefits, Features and Requirements
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Applicant must provide good guarantee- employer’s indemnity.
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The scheme provides six (6) months repayment period
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It operates on our commercial interest rate.
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Applicant must contribute 25% of total cost of Appliances.
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Would have operated an account for at least 3 months before
application.
7
VEHICLE PURCHASE LOAN SCHEME
Benefits, Features and Requirements
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Applicant must provide an acceptable guarantor.
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Must rise up to 50% of total cost.
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Applicant must have operated an account with the Bank for at
least 6 months. The interest is on our Commercial Rate.
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The Applicant must provide a comprehensive insurance policy.
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The scheme allows for 12 months repayment period.
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Applicant under this scheme must show verifiable source (s) of
income.
8
HARVARD HIRE PURCHASE SCHEME
Benefits, Features and Requirements
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The scheme is for applicants wishing to purchase Motor vehicles
or motor cycles.
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Requires a down-payment of 20% percent of total cost.
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The scheme allows for a 12-month repayment period.
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It operate on our commercial interest rate
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Applicant must provide comprehensive insurance policy for the
duration of the agreement.
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ACCOUNT OPENING INFORMATION
1
SAVING ACCOUNT OPERATING
Requirement
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Opening balance is a minimum of #1,000
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2 Passport photographs
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Filling of signature cards
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Take less than 5 minutes to open
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Requires no guarantors
2
CURRENT ACCOUNT
Requirement for opening Personal
Current Account:
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This can be operate by one or two people (Joint Account)
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Reference:/ introductory letter from any two current account
holders in any bank.
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2 passport photographs.
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Opening balance of #5,000 minimum
Requirement for opening a Business Current Account:
This is an impersonal account Operated by business or non- business
organizations.
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Reference / introductory letter for a registered organization.
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Certificate of incorporation, Memo and Article of Association.
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The board resolution for Opening of the Account with the bank.
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Photograph of signatories (2 each)
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Minimum initial deposit of #10,000 only.
3
MORTGAGE ACCOUNT
Requirement for Opening a Mortgage account:
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2 Passport Photographs
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Possession of title documents to land (c. of O., R of O, etc)
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Minimum initial deposit of #2,000 only
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Evidence of a regular flow of income to guarantee repayment of
Mortgage loan if applied .
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Applicant must be aged 21 years and above and must be a
Nigerian
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For NHF Scheme, must be a contributor to the Fund for at least
6 months.
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