Interest Rates and Fees for Retail and Corporate Loans

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Benjamin Douglas
6 years ago
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1 s and Fees for Retail and Corporate s

2 s on Personal s, Housing s and Auto s Personal s Type Personal s & Advances Non-Resident Mortgage s Customer Segment Employees of public sector & accredited companies with salary of JOD 500 or above Employees of public sector & accredited companies with salary less than JOD 500 Employees of non-accredited company Cash to cash s Self-employed customers (JODIBOR+Spread) 9.25% 10% 10.5% Salaried 9% Self-employed 9.5% Housing s Type Customer Segment (JODIBOR+Spread) Housing s Salaried 7.25% Self-employed (loan to 8.75% mortgage value 75% or less) (includes expatriats) Self-employed (loan to mortgage value more than 75%) (includes expatriats) 9.5% Auto s Type Customer Segment (Flat) Auto s Salaried 4.50% Non Salaried (All Other Customers Segments) 5% Expatriats and Foreigners 5.25% (50%-50%) Financing s 4.75% 2

3 s and Fees on Corporate s Type (JODIBOR+Spread) Overdraft 10% Promissory Note 10% Revolving 10% Business Vehicles 9.5% Business 9.5% My Clinic 9.5% Tourism 7.5% Fixed Assets 9.5% Declining s 10% 1% commission is applied to all the loans above (for the first year) Except Tourism and Fixed Assets. s and Fees on Corporate s (Direct Credit Facilities) Type Minimum Maximum Prime Lending 9.5% 9.5% of 1 year 9.75% 10.75% of 3 years or less 9.75% 10.75% exceeding 3 years 9.75% 10.75% 1% annual commission is applied to all the loans above 3

4 Examples on effective interest rate calculation for personal loans 25, % 1% % 2, , % 1% % 1, , % 1% % , % 1% % , % 1% % , % 1% % , % 1% % , % 1% % Examples on effective interest rate calculation for housing loans 100, % 1% % 10, , % 1% % 2, , % 1% % 1, , % 1% % , % 1% % , % 1% %

5 Examples on effective interest rate calculation for auto loans offered to salaried customers (Flat) 10, % 1% % 1, , % 1% % , % 1% % , % 1% % , % 1% % , % 1% % , % 1% % , % 1% % Examples on effective interest rate calculation for auto loans offered to self-employed customers (Flat) 10, % 1% % 1, , % 1% % , % 1% % , % 1% % , % 1% % , % 1% % , % 1% % , % 1% % Examples on effective interest rate calculation for business loans 25, % 1% % 2, , % 1% % 1, , % 1% % , % 1% % , % 1% %

6 Examples on effective interest rate calculation for Fixed Assets s 25, % 0% % 2, , % 0% % 1, , % 0% % , % 0% % , % 0% % , % 0% % , % 0% % Examples on effective interest rate calculation for My Clinic loans 50, % 1% % 5, , % 1% % 2, , % 1% % 1, , % 1% % 1, , % 1% % 1, Examples on effective interest rate calculation for Tourism loan 25, % 0% % 2, , % 0% % 1, , % 0% % , % 0% % , % 0% % , % 0% % , % 0% %

7 Examples on effective interest rate calculation for real estate investment loans for leasing purposes 70, % 1% % 12, , % 1% % 4, , % 1% % 2, , % 1% % 2, , % 1% % 1, , % 1% % 1, , % 1% % 1, , % 1% % 1, Examples on effective interest rate calculation for real estate investment loans for sales purposes 70, % 1% % 6, , % 1% % 3, , % 1% % 2, , % 1% % 1, Examples on effective interest rate calculation for small enterprise reducing loans 30, % 1% % 3, , % 1% % 1, , % 1% % 1, , % 1% % , % 1% %

8 Examples on effective interest rate calculation for Business Vehicles (New Vehicle) 20, % 1% % 2, , % 1% % 1, , % 1% % , % 1% % , % 1% % , % 1% % , % 1% % Examples on effective interest rate calculation for Business Vehicles (Used Vehicle) 20, % 1% % 2, , % 1% % 1, , % 1% % , % 1% % , % 1% %

9 Notes: interest rate is an aggregate of a one year JODIBOR interest rate (as issued by The Association of Banks in Jordan) and a spread that is changed on a daily basis (except for auto loans and advances). Moreover, all examples mentioned before are for illustrative purposes only. For all retail loans the real cost is measured based on nominal interest rate and commission stated in the examples above. 1% will be added to interest rate if the loan is offered to Non Jordanians (customers not carrying a national ID number) (applicable to personal loans, housing loans and advances). For the first year a 1% granting commission is due for all loans except for advances. For advances, interest rate amount is deducted from the loan amount in advance, hence, the value delivered to the customer will be after deducting the interest amount from the loan amount shown in the above examples. For personal loans against foreign currency collaterals, a margin of 1.15% to be fixed and JODIBOR to be added on. For personal loans and advances, the above rates are applicable until further notice. Minimum interest rate offered on personal loans and advances is 9.25%, and the minimum interest rate offered on housing loans for salaried customers is 7.25%. 9

Procedures for Lending Funds to Other Parties of Taiwan Semiconductor Manufacturing Company Limited (The "Company")

Procedures for Lending Funds to Other Parties of Taiwan Semiconductor Manufacturing Company Limited (The "Company") Article 1 The Company shall follow the Procedures set forth below for lending funds to