'Tis the Season to Shop the SMART way

While your investment works for you, you can borrow what you need with the Barita Smart Loan.

Making money is what we do best, that includes making sure your money has the best chance of optimising our investment strategies. In an ideal world, that means not dipping into your investments when life demands a little extra. That’s why we have the BARITA Smart Loan

 



SAVE YOUR MONEY AND SPEND IT TOO

Borrow funds against your investments with us. We offer competitive interest rates and up to 5 years to pay.

This allows your principal to keep doing what we want it to do:
make you more money.

Loan Amount Tenure Fixed Income Linked Equity Linked
  Monthly Payment Monthly Payment
J$100,000.00 3 Years J$3,497 J$3,549
     
J$500,000.00 5 Years J$11,573 J$11,844
     
J$1,000,000.00 5 Years J$23,799 J$23,564

*N.B. Conditions Apply


Minimum repayment period: 1 month • Maximum repayment period: 5 years

For as little as what you would spend with a night out with friends, or that monthly manicure, you can get the money you need while your investments continue to grow.

LOG IN TO BARITA ONLINE

Use our Barita Online platform to start the application process for a Smart Loan. Simply select the desired amount based on your investment to take your first step.

Get Started

FAQ

Who is eligible for the Barita Smart Loan?

  • To qualify for the Barita Smart Loan, you must be a current Barita client with investments exceeding $65,000.

What is the minimum commitment fee for the Barita Smart Loan?

  • The minimum commitment fee for the Barita Smart Loan is $7,500.

What are the interest rates for the Barita Smart Loan?

  • The interest rates for the Barita Smart Loan vary based on the type of investment and the loan tenure.
    • For Fixed Income Unit Funds: Income Portfolio, Money Market, FX Income Accumulator, and FX Bond, the interest rate is between 8.75% and 10.75%.
    • For Capital Growth, FX Growth, and Real Estate Portfolio, the interest rate is between 10.50% and 12%.
    • For stock accounts, the interest rate ranges between 11.25% and 12.75%.

What is the maximum loan amount I can borrow?

  • You can borrow up to 80% of your Fixed Income Unit Trust investments and up to 55% of your equity-based Unit Trust investments. (Contact client care or all other investments)

How can I apply for the Barita Smart Loan?

  • The application process for the Barita Smart Loan can be initiated online through Barita Online. However, you will need to visit a Barita branch to confirm and finalize your loan request.

How long is the loan tenure for the Barita Smart Loan?

  • The loan tenure for the Barita Smart Loan can be up to 5 years.

Get A Barita Smart Loan

Borrow what you need, while your investment continues to grow