We know that you are starting out and may need some assistance to buy the things you want, when you want them. Here are some great products that help you along the way to enable your professional lifestyle.
Platinum Credit Card
With your Platinum Credit Card you get personalised and competitive interest rate (which can be up to 3% lower than other products), you'll receive higher limits than on any other products, benefit from free Automatic Debt Protection, up to 2 months interest free, access to a free Auto Payment Solution as well as free Lost Card Protection and PIN Replacement, plus every swipe is FREE.
Not only do you get a FREE linked Petro Card for the first 3 months with your Platinum Credit Card, but you also get access to the AA Emergency Roadside Assistance, free of charge.
You can use your linked Petro Card to pay for fuel, oil, services and toll fees. You can earn eBucks on services, repairs and maintenance, PLUS you can also earn up to 15% back on fuel when using your linked Petro Card.
Overdraft
An Overdraft is a short-term financial solution which can assist you if unforeseen expenses arise. The facility is available, on application, for Premier Young Professional Cheque Account clients.
-
Interest is charged monthly on your Overdraft balance
-
The interest rate will be calculated for you, once your application has been submitted
-
Credit fees will be provided upon application
-
The amount you qualify for, as well as the interest rate, will depend on your credit profile
-
Overdrafts are subject to a monthly fee only if more than R200 of the facility is used
-
If the Overdraft is not used, then no monthly fee is charged
-
Note that you'll be required to make monthly deposits into your account
FNB Vehicle Finance
The car of your dreams is just a few clicks away!
FNB Vehicle Finance offers you tailor-made finance for your car or leisure item, with personalised interest rates and the option of buying a new or used vehicle from a dealership or a private seller.
-
Get a personalised interest rate
-
Finance Vehicles up to 10 years old
-
The choice of a Fixed or Variable rate linked to Prime Lending Rate
-
As a Premier client apply for Vehicle Finance through your Banker
-
Finance using Installment Sale or Lease agreement options
Home Loans
It's that time of your life where you may be thinking about purchasing your first home. Buying a new home is an exciting step and there is nothing like a brand new space to call your own. Before your search begins, FNB Home Loans and Premier Banking would like to ensure that your journey to home ownership is a smooth one.
At FNB, we offer home buying advice and home loan information for existing home owners and first time home buyers. We also make it possible for you to move home not your home loan.
Apply for a Traditional Home Loan if you want to buy property or a Building Loan to help you finance the building of your perfect home.
Choose the Repayment option to suit your individual needs:
-
Flexi Option - Is a financial management facility on your home loan that provides you with easy access to your available funds 24 hours a day. Now you can deposit extra funds into your home loan and still have access to it when you need it. This could mean saving thousands of rands in interest and reducing the term of your home loan.
-
Re-advance - gives you access to the funds that make up the difference between your original registered home loan amount and the outstanding balance. It's simpler than extending your home loan and funds are readily available. For example, if the original approved home loan amount was R1 000 000 and the outstanding balance at this stage is R500 000, you will have access of up to R500 000.
-
Pre-paid - allows you to withdraw any additional funds that you have paid into your home loan, namely the difference between the projected balance and the actual balance on the home loan.
-
Future Use - enables you to register a bond greater that the home loan amount you require, creating an additional amount that you can access at a later stage without further registration.
-
Further Loan - Allows you to apply for a greater amount of finance than the original registered bond on the same property. You can increase the size of your loan amount for home improvements, or use it to obtain additional finance.
