Any employee (military officer or civil) can get a loan in order to open a project for his wife.

Only individuals with a monthly income can receive loans (a small enterprise owner or an employee for more than 1 year).

One or two guarantors will be needed depending on the loan amount and the guarantor’s income and ability to repay.

The company policy does not allow employees to receive loans for more than 10,000,000 L.L. even if they are capable of having a larger amount.

Under the law, the retired military income is for his family and not his own solely; hence, he cannot get a loan or be a guarantor unless he possesses another source of income for more than one year.

There is no problem in paying more than one monthly payment at the same time if the needed amount is available to the borrower.

The contract binds the guarantor with the responsibility for repayment in case the borrower defaulted on payments of the loan.

The current guarantor can only get a loan after the completion of his active guarantee.

There is no problem as long as the guarantor has the ability.

- Loss of confidence in the borrower and guarantor - Lack of access to or renewal of any new loan product from the company - Monetary Fines - Legal Warnings - Blacklisted in BDL - Take legal action/ Sue in Court