We look at four main factors to assess your loan eligibility:

• Employment: Your current status and length of employment.
• Credit History: Your credit rating and past loan history.
• Financial Health: Your income relative to your current financial commitments.
• Collateral: The availability and value of assets offered as security.

Note: ANSA Bank reserves the right to request additional information or documentation if necessary during the application process.

Yes. Both self-employed individuals and retirees are welcome to apply, provided they meet specific documentation requirements:

• Self-Employed: You usually need to provide proof of income—such as financial statements or bank statements—to demonstrate repayment ability.
• Retirees: You may need to provide pension statements or proof of other steady income sources.

• Our Christmas loans are designed to be flexible to help you achieve your goals this season, including:

  • Buying a vehicle
  • Taking a vacation
  • Home renovations
  • Education expenses
  • Debt consolidation
  • Healthcare expenses
  • Savings and investments

Opening a Savings or Chequing account with us offers several distinct advantages:

• Zero Fees: Keep more of your money with no hidden charges.
• Faster Growth: Our competitive returns help you save faster.
• Great Rates: Enjoy attractive interest rates on your balance.

• This means you do not have to pay your loan installment for the first two months after the loan starts.

  • How it works: Your payments are postponed. If your loan starts in January, for example, you won’t pay an installment in January or February. (Note: that your final loan payment will be your largest)
  • When you pay: You simply start paying your regular installments from Month 3.
• Once the self-registration is successfully completed, the system will automatically send two emails
  • One email with your User ID (this should be retained as it is required for Login).
  • One email with your temporary password.

Yes. Like other commercial banks in Trinidad and Tobago, our mortgage rates are variable and may adjust over time. Changes are influenced by factors such as:

• Funding Costs: The cost to the bank to borrow money.
• Market Conditions: Economic trends and the wider interest rate environment.
• Pricing Strategies: Our aim to remain competitive in the market.
• The MMRR: The Mortgage Market Reference Rate set by the Central Bank, which serves as a benchmark for mortgage pricing.