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Frequently asked questions
Pay Advance
Up to 1 million Ariary authorized overdraft for Employees and Civil ServantsWhat would be the maximum amount of a Pay Advance?
It depends on the pack the customer chooses
How can a pay advance be taken?
A pay advance can be taken either by credit card or by cheque.
When should I refund my pay advances?
The refund will be automatic once there is cash in the account.
When is the pay advance available?
A pay advance pay is available any time after both parties have signed the agreement.
Jusqu’à combien de % du salaire est autorisé sur une avance sur salaire?
Le salarié aura droit à 50% de son salaire, pour le cas d’un fonctionnaire l’avance sur salaire peut aller jusqu’à 60% du salaire.
Vaika Vao Loan
Consumer loan to finance the purchase of your new vehicleIf I am not a wage-earner, could I apply for a loan?
Yes, non-salaried employees with a steady income may apply for a loan.
If I have an outstanding loan with other banks, can I get a BNI loan?
Yes, a redemption process provided with the BNI.
Which types of second-hand vehicles can be accepted by the BNI?
There are no specific vehicles, all types of vehicles will be taken into account
What documents are required?
– Photocopy of ID card
– employment certificate (Administrative certificate for civil servants)
– 3 pay slips
What are the requirements for a BNI Madagascar consumer loan application?
The customer must already be a wage-earner and have a BNI deposit account.
What about guarantees?
Guarantees are defined according to the type of loan requested.
Fihoarana Loan
Real estate loan for major works and renovationsWhat types of guarantees are required?
The types of guarantees are: a mortgage, a bond from a guarantor, a bank counter-guarantee, a pledge of financial assets.
What are the key documents required?
The key documents required are: a land title deed, a legal status certificate; For construction: building permit, plan and estimate.
What is the interest rate for a property loan application?
It depends on the type of loan, ranging from 12 to 15%
I am not a wage-earner but a self-employed person, can I apply for a real estate loan?
Yes, you can apply for a property loan. An analysis of your income will be done when putting your file together.
Quel est le rôle de SOLIDIS dans le partenariat avec BNI?
SOLIDIS fournit un service de cautionnement immobilier pour faciliter l’accès aux crédits immobiliers.
Malaky Loan
Quick consumer loanIf I am not a wage-earner, could I apply for a loan?
Yes, non-salaried employees with a steady income may apply for a loan.
If I have an outstanding loan with other banks, can I get a BNI loan?
Oui, un process de rachat prévu auprès de la BNI.
Which types of second-hand vehicles can be accepted by the BNI?
What documents are required?
– Photocopy of ID card
– employment certificate (Administrative certificate for civil servants)
– 3 pay slips
What are the requirements for a BNI Madagascar consumer loan application?
The customer must already be a wage-earner and have a BNI deposit account.
What about guarantees?
Guarantees are defined according to the type of loan requested.
Tananako Loan
Crédit immoblilier pour vos projets d'achat de terrain et construction de maison réunisWhat is the role of SOLIDIS in the partnership with BNI?
SOLIDIS provides a real estate bonding service to facilitate access to mortgages.
What types of guarantees are required?
The types of guarantees are: a mortgage, a bond from a guarantor, a bank counter-guarantee, a pledge of financial assets.
What are the key documents required?
The key documents required are: a land title deed, a legal status certificate; For construction: building permit, plan and estimate.
What is the interest rate for a property loan application?
It depends on the type of loan, ranging from 12 to 15%
I am not a wage-earner but a self-employed person, can I apply for a real estate loan?
Taniko Loan
Real estate loan to buy your landWhat types of guarantees are required?
The types of guarantees are: a mortgage, a bond from a guarantor, a bank counter-guarantee, a pledge of financial assets.
What are the key documents required?
The key documents required are: a land title deed, a legal status certificate; For construction: building permit, plan and estimate.
What is the interest rate for a property loan application?
It depends on the type of loan, ranging from 12 to 15%
What is the role of SOLIDIS in the partnership with BNI?
SOLIDIS provides a real estate bonding service to facilitate access to mortgages.
Vina loan
Consumer loan to finance your personal projects: equipment purchases, family events, education ...If I am not a wage-earner, could I apply for a loan?
Yes, non-salaried employees with a steady income may apply for a loan.
If I have an outstanding loan with other banks, can I get a BNI loan?
Yes, a redemption process provided with the BNI.
Which types of second-hand vehicles can be accepted by the BNI?
There are no specific vehicles, all types of vehicles will be taken into account
What documents are required?
– Photocopy of ID card
– employment certificate (Administrative certificate for civil servants)
– 3 pay slips
What are the requirements for a BNI Madagascar consumer loan application?
The customer must already be a wage-earner and have a BNI deposit account.
What about guarantees?
Guarantees are defined according to the type of loan requested.
Orimbato loan
Real estate loan to build your homeWhat types of guarantees are required?
The types of guarantees are: a mortgage, a bond from a guarantor, a bank counter-guarantee, a pledge of financial assets.
What are the key documents required?
The key documents required are: a land title deed, a legal status certificate; For construction: building permit, plan and estimate.
What is the interest rate for a property loan application?
It depends on the type of loan, ranging from 12 to 15%
What is the role of SOLIDIS in the partnership with BNI?
SOLIDIS provides a real estate bonding service to facilitate access to mortgages.
I am not a wage-earner but a self-employed person, can I apply for a real estate loan?
Yes, you can apply for a property loan. An analysis of your income will be done when putting your file together.
Tranoko Loan
Real estate loan to buy your homeWhat types of guarantees are required?
The types of guarantees are: a mortgage, a bond from a guarantor, a bank counter-guarantee, a pledge of financial assets.
What are the key documents required?
The key documents required are: a land title deed, a legal status certificate; For construction: building permit, plan and estimate.
What is the interest rate for a property loan application?
It depends on the type of loan, ranging from 12 to 15%
I am not a wage-earner but a self-employed person, can I apply for a real estate loan?
Yes, you can apply for a property loan. An analysis of your income will be done when putting your file together.
Vaika loan
Consumer loan to finance the purchase of your used vehicleIf I am not a wage-earner, could I apply for a loan?
Yes, non-salaried employees with a steady income may apply for a loan.
If I have an outstanding loan with other banks, can I get a BNI loan?
Yes, a redemption process provided with the BNI.
Which types of second-hand vehicles can be accepted by the BNI?
There are no specific vehicles, all types of vehicles will be taken into account
What documents are required?
– Photocopy of ID card
– employment certificate (Administrative certificate for civil servants)
– 3 pay slips
What are the requirements for a BNI Madagascar consumer loan application?
The customer must already be a wage-earner and have a BNI deposit account.
What about guarantees?
Guarantees are defined according to the type of loan requested.