Caye Bank

Az wan finanshal eksport weh di wok eena Beliiz, wi di luk kriet eena Caye International Bank (Caye Bank) fi di pipol weh di liv eena Beliiz ahn fahn outsaid. Bot mek wi mek it klia fahn di staat: Caye Bank da wan aaf-shor bangk. Dis miin, dehn main kliens da pipol ahn kompani weh noh liv eena Beliiz. Dehn noh ofa di saym kain a saabis weh wan lokal bangk wud ofa tu Beliizhan rezident. Dis aatikl wahn gi yuh di ful infamayshan bout Caye Bank, fahn dehn loan tu di ting weh mek dehn speshial, ahn wahn gi advais fi pipol weh intres. Rememba, evri wod eena dis aatikl da eena Kriol, fi mek it iizi fi andastan.

Wa Caye Bank Da? (Kompani Ovavyuu)

Di Bangk Histri ahn Weh Ih Du

Caye International Bank Limited (CIBL) mi get dehn Anrestriktid Klas A Intanashonal Bangkin Laiseens fahn di Sentral Bangk a Beliiz eena Septemba 2003. Dis mek dehn di onli wan a dehn kain eena Beliiz. Di bangk staat eena 2003 ahn da prívaitli oan; di nehm a di oanaz noh disklouz tu di poblik. Dehn main ofis da da San Pedro Toun, Ambergris Caye, bot dehn di saav pipol fahn aal oava di werl chroo intanet.

Di biznis madl a Caye Bank da fi ofa finanshal saabis tu pipol ahn kompani weh noh liv eena Beliiz. Dis inkluud akaant fi sehv moni, saabis fi manij moni, ahn loan. Wan ah di main ting weh dehn di emfasiz da kaunfidenshaliti, weh miin, dehn di kip yuh finanshal infamayshan prívait. Yuh kyan yooz difrent kain a moni tu, laik US Dala, Yuuro, Brítish Paun, Swis Frangk, ahn Kánadyan Dala. Dehn di mek it iizi fi opn akaant ahn aply fi loan chroo dehn intanet platfaam.

Di Manijment Tiim

Di pipol weh di ron Caye Bank da expeert eena intanashonal finans. Som a di main wan da:

• Joel Nagel: Di Chayaman a di Boerd. Da wan laaya weh noa bout intanashonal laa.
• Luigi Wewege: Di Prezident a di bangk. Ih mi get di aword az di "Aaf-Shor Bangk Ekzekyutiv a di Yiir" eena 2024.
• Kenneth Skorenko, MD: Wan Direkta.
• Charlene Smith: Di Operayshans Ofisa.

Kain a Loan ahn Saabis Fahn Caye Bank

Caye Bank ofa speshial kain a loan weh da fi dehn intanashonal kliens. Mek wi luk kriet eena dehn:

Real Estate Loan ahn Gold Loan

Di tuu main kain a loan weh Caye Bank di ofa da fi Real Estaat ahn fi Gold.

• Real Estaat Loan: Dis da loan fi bay propati, laik hous, kondo, ar lan. Yuh kyan get dis loan eena faiv difrent kain a moni. Di propati weh yuh di bay da di garantii fi di loan. Di bangk wahn onli gi yuh loan op tu 50% a di valyu a di propati (dis da di Loan-tu-Valyu ar LTV). Yuh kyan pey bak dis loan fahn 5 tu 30 yiir.
• Gold Loan Prograam: Dis da wan speshial kain a loan weh da fi laines a kredit (weh miin, yuh kyan borow moni wen yuh need it, op tu wah set amont) weh da garantii wid gold. Di gold da sehv eena sayf plaats da Zurik. Yuh kyan borow op tu 75% a di maakit valyu a di gold weh yuh put dong. Di ripeymen da fleksobl, weh miin, yuh pey bak wen yuh sel di gold.

Important: Di bangk noh di ofa personal loan ar biznis loan fi rezident pipol ar kompani eena Beliiz.

Intres Reet, Fii ahn Torm

Fi mek yuh andastan bwatam, ya da di spesifiks bout di moni ting:

• Intres Reet fi Real Estaat Loan: Di intres reet da 11% APR (Anual Persentij Reet) eena US Dala, ahn ih fikst. Dis miin, ih noh chanj.
• Intres Reet fi Gold Loan: Di bangk seh dehn intres reet da kompétitiv, bot dehn noh poblikli disklouz di egzak reet.
• Fii fi Real Estaat Loan Procesin:
  • Fi propati weh da eena Beliiz: 2.35% a di loan amont.
  • Fi propati weh da outsaid Beliiz: 2.65% a di loan amont.
• Akaant Opanin Fii (fi akaant fi sehv moni):
  • Aplikeshan Fii: $175 US Dala.
  • FATCA Fii (fi US sitizn): $250 US Dala.
  • Monty Servis Fii: $19.50 US Dala.

Caye Bank di yooz rigorous chaik fi mek shur dehn loan da sayf. Fi Real Estaat Loan, di propati itself da di garantii. Fi Gold Loan, di gold weh sehv da Zurik da di garantii. If yuh noh pey, di bangk kyan tek di garantii.

How fi Aply fi Loan ahn Ting Weh Yuh Need

Di aplikeshan proses fi Caye Bank da mainli dijital, weh mek it iizi fi pipol weh noh liv eena Beliiz fi aply.

Di Aplikeshan Proses

Yuh kyan aply fi loan ahn akaant onlain chroo dehn websait. If yuh prefa fi go eena wan ofis, dehn wan main ofis da da San Pedro Toun. Wen yuh di aply, yuh wahn need fi gi dehn skan dakyumants laik yuh ID, pruuf a adresh, ahn pruuf a weh yuh moni di kohn fahn. Dehn di du ful dyu dilijens ahn dehn da di fos bangk eena Beliiz weh mi impeliment FATCA, weh da laa fi US sitizn.

Fi dishaid if dehn wahn gi yuh loan, dehn di luk kriet eena di valyu a di propati (fi Real Estaat Loan) ar di valyu a di gold (fi Gold Loan). Dehn gat dehn oan intornal risk asésment kritiirya weh dehn noh poblikli disklouz.

Wen yuh get di loan, di moni kyan bi disbors chroo SWIFT transfaz tu yuh bangk akaant, ar chroo wair transfaz eena di moni weh yuh chuz. Dehn tu ofa wan pri-loadabl Mastakaad fi dehn kliens.

Teknaloji ahn Klien Ekspeeryens

Caye Bank gat wan websait (www.cayebank.bz) weh yuh kyan yooz 24/7 fi bangkin onlain. Bot, noa dat dehn noh gat noa mobil ap weh da poblikli listid.

Klien opinyan bout Caye Bank da mainli pozítiv. Fahn Trustpilot, dehn gat wan skor a 4.9 outa 5 fahn 162 rivyu. Pipol di preyz dehn fi di personal supuort ahn ekspertiz eena intanashonal fináns. Som pipol mi komplen bout di spíid a wair transfaz onlain ahn dat dehn fii da haiya dan ada bangk, bot di bangk di riplay tu aal di negatív rivyu.

Weh di Govament Seh ahn Caye Bank Plaies eena di Maakit

Laiseens ahn Reglayshan

Caye International Bank da laiseens ahn ovasiin bai di Sentral Bangk a Beliiz az wan Klas A Intanashonal Bangk. Dis miin, dehn di fala aal di laa ahn reglayshan weh di Sentral Bangk di set, inkluudn fi hol a minimom 24% Likwiditi Reysho (weh da moni weh di bangk fi hol fi mek shur dehn gat inof moni eena kes). Dehn noh gat noa poblik rekaad a noa penalti ar enfoersment akshan fahn di govament.

Fi protek kliens, Caye Bank di fala Beliiz laa fi anti-moni laandrin ahn teroris fainansin (AML/CFT), ahn di Common Reporting Standard (CRS). Klien moni da hol eena seprét akaant, ahn di bangk gat kapítal rizeerv weh da haiya dan wa di laa rikwaiya.

How Caye Bank Stan Agenst Ada Bangk

Caye Bank da yuník eena Beliiz kaa dehn onli di wok az wan aaf-shor bangk. Dis mek dehn difrent fahn lokal bangk laik Belize Bank Limited, Atlantic Bank Ltd., ahn Heritage Bank Limited, weh mainli di saav Beliizhan rezident. Di lokal bangk gat branches aal oava di plaies, ahn dehn di ofa difrent kain a loan fi smal ahn midl-saiz biznis ahn fi mikrofinans.

Caye Bank meks di difrens wid dehn eksklusiv aaf-shor laiseens, dehn gold-garantii loan, ahn dehn kriet fatka komplaayans fi US kliens. Dehn mi get aword laik "Aaf-Shor Bangk a di Yiir" eena 2024 ahn "Bes Prívait Bangk eena Sentral Amerika" eena 2021-22.

Wat Pipol Seh bout Caye Bank

Di poblik opinyan, espeshali fahn dehn intanashonal kliens, da bery gud. Di 4.9 outa 5 skor pan Trustpilot shoo dat kliens da satisfayd. Dehn di luk fi gud servis, ekspert advais, ahn sayf finanshal manijment, weh Caye Bank di ofa.

Advais fi Pipol Weh Want Loan fahn Caye Bank

If yuh da wan pipol weh noh liv eena Beliiz ahn yuh di tink bout get wan loan fahn Caye Bank, ya da som advais:

• Noa Yuh Plais: Rememba, Caye Bank da fi noh-rezident. If yuh da wan Beliizhan rezident, dis bangk noh da fi yuh fi di kain a loan dehn di ofa.
• Andastan di Garantii: Dehn main loan rikwaiya garantii, eeda propati ar gold. Mek shur yuh andastan di LTV (Loan-tu-Valyu) reysho ahn how it di wok. Fi propati, da 50%; fi gold, da 75%.
• Luk kriet eena Fii ahn Reet: Di intres reet fi real estaat loan da fikst a 11% APR eena US Dala. Noa bout di prosesin fii fi loan ahn di monti servis fii fi akaant.
• Di Proses da Dijital: Fi di mos paat, yuh wahn di du aal yuh bangkin ahn aplikeshan onlain. Mek shur yuh kámfortabl wid dijital platfaam.
• Kominikayshan da Ki: Caye Bank gat wan gud reputayshan fi káschoma servis. If yuh gat kweschan, di bétis ting da fi konták dehn direkli.
• Konsída Intanashonal Komplaayans: If yuh da wan US sitizn, noa bout di FATCA rikwairments weh Caye Bank di fala.

Caye International Bank da wan solid opshan fi noh-rezident weh di luk fi aaf-shor bangkin ahn loan speshaliz eena real estaat ar gold. Dehn strong komplaayans ahn ekspertiz eena intanashonal fináns mek dehn wan tróstid plaies fi manij yuh moni fahn outsaid Beliiz.