PRIVATE LOANS:

Small Equipement

"Equip your inside to your suitability, thanks to the BGD,

You wish to equip your inside or to buy the material to professional use

The BGD gives you the possibility to finance the acquirement of consumer goods by the slant of its suppliers accepted (materials of construction, furnishings, domestic, material equipment audio and video, interview and various repairs..)

Conditions of credit

• Bringing up the credit according to your capacity of repayment
• Maximal length: 48 months
• Very advantageous rate

Who can solicit a small equipment credit?

• All salaried of the private sector having 2 years of seniority in the same enterprise.
• All statutory of the public function.

Don't hesitate to take contact with our administrators for all information.

To counsel you is also our profession.

Funds

"Have money cash, thanks to the BGD

The BGD places at your disposal a repayable personal loan by allowances. You have money cash that you can use freely.

Conditions of credit

• Bringing up the credit according to your capacity of repayment
• Maximal length: 36 months
• Very advantageous rate

Who can solicit a treasury credit ?

• All salaried of the private sector having 2 years of seniority in the same enterprise.
• All statutory of the public function.
  

Don't hesitate to take contact with our administrators for all information.

To counsel you is also our profession.

Car industry:

  Acquisition of a new or second-hand vehicle for a personal or professional use.

Estate market:

"Invest in the real estate, thanks to the BGD,

The real estate credit of the BGD gives you the possibility to become owner of a lodging, of a land, to renovate or to enlarge your dwelling, etc.

The BGD proposes to you:

• A competitive interest rate
• A maximal length of 144 months (12 years)
• A financing to 100% of your investment, the personal contribution being optional,
• An exoneration of the VAT until a certain upward of credit

Who can solicit a Real estate credit ?

• All salaried of the private sector having 2 years of seniority in the same enterprise.
• All statutory of the public function.
  

Don't hesitate to take contact with our administrators for all information.

To counsel you is also our profession.

Conditions granting a loan to the private individuals:

 Amount: function of the transferable share available of borrower

Rute interest : all our rates are advantageous

  Duration : from 24 to 144 months, according to the type of loan

 Personal capital contribution : facultive depending to the capacity of settlement

CAMPANY LOANS

   The GBD grants the loans to companies in creation or in activity of the primary sectors, secondary and tertiary when the project aims to promote the development of Gabon (agriculture, fishing, breeding, agropastoral activities, forest explotation and wood processing, trade, restoration, eatering and various prestation services...).

The range of company loans is divided in three categories:

Trade retating:

    For an amount of money inferior or equivalent to 5 million CFA franks. Loans intented to non-salaried people provided that a salaried joint-debtor is presented in order to assure the payback of the loan.

 Small project:

   For an amount of money inferior to 10 million CFA franks.

 Loans intented for small and medium size companies and industries:

   For an amount of money over 10 million CFA franks.
(For more information, contact a GBD’s financial analyst)

Conditions granting to the companies:

Financial sources GBD

Maximum concourses: 70% of the global cost of investment and 30% of self-financing.

Rate interest : All our rates are advantageous

Duration: From 30 to 120 months with differed paying off by principal according to the project.

Required documents : Consult our financial analyst.

List of the proposed or demanded insurances

Situation and valorization of goods (furniture and estates) quality acts, level of insurances already registered.

     If a guarantee is proposed:

For a company:
a judicial and financial file similar to the principal debtor’s one, must be presented on insisting upon the endebtedness and the insurances which have already been furnished.

For a person who brings his garantee :
- a complete civil status
- Banking references
- Incomes (earnings, rental)
- List of goods, furnitures and buildings valorized
- Actual endebtedness
- Insurances, which have already been furnished
- Patrimonial and matrimonial situations

     If the guarantee is a person, an available ceasable quota’s calculation of the customer is done (QCD).

Particular cases

Timber industries :
Development rights and permits, if possible qualified expertise of the permit, permit given to the third and a closing contract for a third.

Mining:
Development rights and permits, skill of the former mining, ore content finished product, and stocks.

Société Civile Immobilière: (Civil Estate Company) :
Company’s estate patrimony (list of the buildings, which belong to the CEC): full property, joint property.
Anouncement of the CEC unsubmitted to the taxes on companies: allowance details, payment justification of the spacial estate tax on the allowances collected (TSIL), list of the membership.
Future explotation and treasury accounts.

PARTICIPATION SETTINGS

The GBD is skilled :

For its own benefits, to take interests on capital’s, only if it holds to help productivly and participates at the economical and social development of Gabon;

As far as Gabonese nationals are concerned to secure the share transportation and his cession.

Bénéficiaries :
Private’s ventures or companies registered on trade list.

          SAVING PLANS

Plan d’Epargne d’Entreprise, PEE (Company Saving Plans)
Opened with all company’s employees having signed some agreement with the GBD.

Plan d’Epargne Logement, PEL (Housing Saving Plans)
Opened to everyone.

Livret Rose Epargne Logement, LIREL (Housing Pink Bankbook)
Open by parents with the profit of their children.


Opening conditions:
Monthly payment of a fixed amount during three years.
Possible benefit of advantageous loans at the term of the agreement.