گورنمنٹ قرص حاصل کرنے کا طریقہ
For to obtain government loan follow the following steps
(1) Download application form
(2) Print it out and fill it according the procidure.
Note: you can get it from National Bank of Pakistan (NBP) First Women Bank (FWBL)
(3) The main thing is you need one gaurantor he may give gurrante for you. Gaurantor must be
A Government servant must not be less then grade BPS-15,
OR
Any other individual having net worth of 1.5 times more of the loan you are going to apply. Net worth means total properties he have after deduction any loan against him.
Note: Blood relatives guarantee is not acceptable.
(4) You are required for 10% of the loan amount as Borrowers Capital
(5) Any bank defaulter are not eligible for the loan.
Must attach these documents with the applicaion form.
1- One recent photograph (passport size)
2- CNIC copy of applicant
3- CNIC copy of Guarantor
4- Part A of form called "Basic Borrowers Fact Sheet".
5- Part B of form (Guarantor's Information)
6- Business Plan also called Pre-Feasibility Study by SAMEDA (if you have conducted through SMEDA)
or
Your own prepared Business Plan / Feasibility / Project Proposal.
You can submit Loan applications in any branch of National Bank of Pakistan (NBP) or
First Women Bank (FWBL)
You will be charged Rs 100 as process charges.
It takes 15 days in processing your applicaton.
So wait the bank will inform you about your applicaton by letter, telephone call or SMS/email.
Important Note :
TheSMS will come from PM Youth Prog . Confirmation from any other number / source should not be relied upon.
Loan Amount limit is up to Rs. 20 Lac (Rs.100000/= – Rs. 20, 00000/=) Maximum Loan under this scheme is Rs. 20 Lack.
Total No. of loans to be given are 100,000 for Year 2013-14 After you get Lone Start working on your Business
• First Loan installment will be due after one year of loan disbursement
• Sometimes businesses have problems. All loan beneficiaries are advised to give their best to make their business successful. It is also advisable to keep your banker informed of any problems, which may affect your ability to repay loan and seek technical guidance. SMEDA and the banks have been directed to put in place system of periodic guidance to the entrepreneurs in running their businesses successfully.
• Mark-up Rate is 8% p.a.
• The maximum tenor of the loan is 8 years, including 1 year's grace period. The tenor will depend upon the nature of business, pattern of income and repayment capacity.
