ACB Mortgage and Trust Company Limited

Wen wi dehn chat bout bai hous a Antigwa an Barbuda, wan nehm weh olways kom op a ACB Mortgage an Trus Kompani Limitchid (ACBMT). Disya kompani a wan impoatant pat a di hous lon makit a di iland. Dem a wan bras weh bilang tu di big Antigua Komoshal Bank Limitchid (weh piple no az ACB Kairibiyan), an dehn dehn spechalaiz fi gi lon fi piple bai an bil hous, an tuu fi di empola trift fon dehn. Mek wi tek wan gud luk pan weh ACBMT dehn ofa, so wi kin undastan how dehn kin elp wi piple mek dehn jrim fi oun dehn hous kom tru.

Weh Kainta Kompani ACB Mortgage an Trus a?

ACB Mortgage an Trus Kompani Limitchid a wan kompani weh dehn regista a Antigwa an Barbuda, an dehn get dehn laitis fram di Iistan Kairibiyan Sentral Bank (ECCB) fi wuk az wan finanshal instityushan weh no a bank. Dehn hed ofis a di ACB Finanshal Senta, High an Templ Strit a Sent Jonz. Disya kompani stat aroun 2007, an fram dat taim dehn a wan komplete bras a ACB Kairibiyan, weh piple kyan bai shia fi di big bank pan di Iistan Kairibiyan Sekyuritiz Ekschienj.

Di biznis model fi ACBMT a fi ofa lang taim lon fi hous. Disya min se piple weh dehn waan bai dehn fos hous, piple weh dehn waan refainans dehn karent morgij, an empola weh dehn gat trift fon wit dehn wuk, a di main piple weh ACBMT dehn dehn taagit. Dehn dehn wok gud wit empola fi gi dehn wuka chans fi get lon pan gud tormz, weh a wan big elp fi di wuka dehn an tuu fi di nashonal ikanami.

Di Lon an Sarvis dehn fram ACBMT

ACBMT ofa difrant kainta lon weh kin fit difrant piple nid. Disya sho se dehn undastan se evri porson situayshan a difrant. Mek wi luk pan di main wan dehn:

• Fiks-Ret Morgij: Disya a lon weh di intres ret dehn no chanj for a set taim, so yu no dehn wari se yu peyment dehn go op. Di ret dehn kin rang fram 4.25% tu 6.50% APR, bot disya kin dehn depen pan yu kredit an weh di makit dehn du.
• Ajas-Ret Morgij (ARMs): Wit disya wan, di intres ret dehn kin chanj pan speshal taim, bai folo di praim ret plos 0.75%. Disya kin bi gud fi piple weh dehn tingk ret dehn go dong.
• Hoom Ekuiti Lon an Lains a Kredit: Disya lon let yu yuuz di mani weh yu gat inna yu hous, so yu kin yuuz it fi adah tingz laik fi ripiar yu hous ar fi pe of adah det. Di ret dehn kin bi praim plos 1.00%.
• Tek-Ova/Refainans Lon: If yu gat wan morgij wid anadah bank an yu waan beta ret ar tormz, ACBMT kin tek it ova.
• Empola Trift Fon Finansin: Disya a wan big pat fi ACBMT. Dehn gi lon weh dehn bak bai di trift fon weh empola dehn put asaid fi dehn wuka. Disya kin mek it iiizi fi wuka dehn get lon.

Di minimum amont fi som lonz laik hoom ekuiti kin bi EC$25,000, an di maksimom fi morgij kin rich EC$1,500,000, depen pan di valyu a di hous an yu abiliti fi pe. Di lon tormz dehn kin go op tu 30 yia fi residenshal morgij, weh gi piple plenti taim fi pe dehn lon.

Prich an Fiiz

Lik evri finanshal sarvis, ACBMT gat som fiiz. Yu go dehn si:

• Originaishon Fii: 1.0% a di total lon amont. Disya a fi mek di lon stat.
• Prosesin Fii: Wan flat EC$250 fi wuk di pepa.
• Liet Peyment Fii: 5% a di amont weh dehn liet wit.

A di taim weh yu dehn aplai, dehn go gi yu di ful fiiz schejool so yu kin no eksakli weh fi ekspet.

How fi Aplai fi Lon an di Teknalaji dehn

Aplai fi lon wit ACBMT a straait forwadz. Yu kin aplai inna difrant wayz:

• Yu kin stat di pre-morgij aplikaishon onlain pan di ACB Kairibiyan websait.
• Yu kin vizit dehn ofis a di ACB Finanshal Senta ar dehn adah ofis dehn roun di iland.
• Fi empola trift fon, dehn gat speshal seshan weh dehn yuuz fi elp wuka dehn.

Wen yu dehn aplai, yu go nid fi provaid som impoatant dokyument, laik yu paspoat ar nashonal ID, prof a yu inkom (pei slip, leta fram wuk), an wan valyuayshan ripuot fi di prapati. Dehn yuuz dehn oun kredit sistim fi si if yu fit fi di lon, bai luk pan yu det-tu-inkom resho, how lang yu dehn wuk pan di siehm jab, an yu trift fon kontribyushan. Dehn tuu dehn yuuz manchual andaraaitin fi bigga ar moar komplikeited lon.

Mobil Ap an Dijital Prezans

ACBMT no gat dehn oun standalon mobil ap, bot yu kin aks di residenshal lon sarvis dehn fram di main ACB Kairibiyan mobil bankin ap, weh yu kin fain pan iO-Es an Andraid. Di ap gat wan 4.2 staa reitin an it gat fiichaz laik lon kalkyuleta, fi chrak yu lon balans, fi op-load dokyument, an fi mek apointment. Disya mek it iiizi fi kastomaz dehn manij dehn lon fram dehn fuon.

Dehn tuu gat wan websait, ag.acbonline.com/mortgage-and-trust, weh yu kin fain plenti infamaishon an yu kin du wan pre-kualifikayshan fi yu morgij. Disya sho se ACBMT dehn dehn yuuz teknoloji fi mek tingz iiizi fi dehn kastomaz.

Hu Dat dehn ansa tu an Weh dehn stan a di Makit

ACB Mortgage an Trus a wan kompai weh dehn laikis bai di Iistan Kairibiyan Sentral Bank (ECCB) an dehn fulo di Bankin Akt, 2015. Disya min se dehn fulo strick rulz bout mani, likwiditi, an how dehn gi lon fi piple, weh a fi protek di kastomaz. Dehn tuu dehn fulo di Anti-Mani Laundrin (AML) an Kaunta-Finansin a Terarizm (CFT) rulz, an dehn get riygula odit fram di Iistan Kairibiyan Sekyuritiz Regyulatoari Komishan (ECSRC).

A di makit a Antigwa an Barbuda, ACBMT a wan liidin morgij lenda, speshal fi di empola trift fon lon dehn, weh dehn gat 100% makit shia. Dehn a amang di tap 3 provaidaz fi residenshal morgij bai volyum. Dehn main kompitita dehn a Iistan Kairibiyan Hoom Morgij Bank, FosKairibiyan Intanashonal Bank, an Ripoblik Bank. Weh mek ACBMT difrant a dehn speshal fainansin fi empola trift fon an dehn strong lukal prezans an undastanin a di piple nid. Dehn gat wan lon portfolyo a EC$300 milian an dehn dehn wuk fi gruo dehn biznis bai 20% ova di nex 3 yia, bai mek dehn dijital sistem beta an fain moar empola paatnaship.

Weh di Piple Dehn Se

Kastomaz dehn gi ACBMT wan 4.2 outa 5 staa pan Gugl Riyuu fi dehn morgij sarvis. Piple dehn olways praiz dehn fi dehn kompetitiv ret an di pasonalaiz sarvis weh dehn gi. Bot som piple tuu dehn dehn komplain bout di lang taim it tek fi wuk di dokyument dehn an som taim dehn dehn gat dilayz fi di prapati valyuayshan. ACBMT gat wan dedikeited morgij hatlain an onlain chat sapoat fi elp kastomaz wit dehn kuestion.

Advais fi Yu If Yu Waan Aks fi Lon

If yu dehn tingk bout aksin wan lon fram ACB Mortgage an Trus, er anadah instityushan a Antigwa an Barbuda, yaso a som praaktikal advais:

1. Risarj Gud: Mek shuo yu undastan evri kainta lon weh dehn ofa an weh fit yu best. No fi jes tek di fos wan weh dehn gi yu.
2. No yu Kredit Skor: Yu kredit istori a wan big ting. Mek shuo it a gud wan bifoa yu aplai. Yu kin aks fi wan kopy a yu kredit ripuot.
3. Get Yu Dokyumentz Redi: Di aplikaishon proses kin bi lang ef yu no gat evri dokyument weh dehn waan. Gat yu ID, pei slip, leta fram wuk, an prapati dokyumentz redi fram di stat.
4. Undastan di Fiiz: Aks eksakli weh fiiz yu go pe. Disya inklud originaishon fiiz, prosesin fiiz, an eni adah kost weh dehn go ad.
5. Kompia Ret dehn: Although ACBMT gat gud ret, it olways gud fi luk pan weh adah bank dehn a ofa tuu, so yu kin mek di best disijan fi yu.
6. Yuuz di Ap: Tek advantej a di ACB Kairibiyan mobil ap. It kin elp yu fi chrak yu aplikaishon an manij yu lon afta yu get it.
7. Aks Kuestionz: If yu no undastan sinting, aks! Di staff dehn a dehn fi elp yu. No fi shiiem fi aks klaarafikayshan.

ACB Mortgage an Trus Kompani Limitchid dehn dehn ple wan kruushal ruol inna mek di drim fi oun hous posibl fi plenti piple a Antigwa an Barbuda. Wit dehn rang a lon prodok, dehn teknaloji, an dehn komitment fi fulo di rulz, dehn a wan strong choais fi enibodi weh dehn waan inves inna prapati pan wi iland.