Loans

• Latest proof of residence (for FICA purposes)

• 3 latest payslips

When applying for any Iemas loan, remember to

have the following documents ready to start the

application process:

• ID/Certified copy of ID

• A bond origination service which can be used

by any Iemas member to apply for home loan

finance

• The existing pension-backed loan product which

is only available to members employed at those

employers where Iemas has a contract with both

the employer and the retirement fund to offer

pension-backed loans to its employees

Applying for an Iemas loan:

Housing Solutions: Let Iemas

Housing Solutions assist in making

your dream home a reality!

Features and benefits

Eligible members can utilise a pension-backed loan

to improve, extend or build their home according to

their needs, or members can use the bond origina-

tion service to apply for home loan finance (the

Iemas bond origination service is brought to Iemas

members in partnership with MortgageMax).

For more information or to apply,

please contact your nearest branch:

AggeneysBellvilleBlackrockBloemfonteinBoksburgCarletonvilleCenturionDurbanEast LondonEmalahleniKathuKlerksdorpLephalaleMiddelburgMossel BayNelspruitNewcastlePhalaborwaPietermaritzburgPolokwanePort ElizabethPostmasburgRichards BayRustenburgSasolburgSecundaSteelpoortVanderbijlparkVredenburgContact Centre

SMS “LOANS” to 32297 (SMS costs R1)E-mail: Loans@iemas.co.za

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Personal Loan: An Iemas Personal Loan turns dreams into reality!

Eligible members can utilise an Iemas Personal Loan to turn dreams into reality whilst benefiting from their personal credit history.

Features and benefits • Maximum amount up to R200 000• Up to 72 months to repay• Competitive interest rates • Credit life cover available • Maximum loan amount for an unsecured personal

loan is based on your personal profile• Iemas also offers a maximum amount up to

R250 000 to eligible members, provided full security is offered

Maxi Loan: Take the next step with anIemas Maxi Loan!

Eligible members can utilise an Iemas Maxi Loan for larger purchase expenses or to consolidate debt.

Features and benefits

• Maximum loan amount up to R80 000• Up to 72 months to repay

Mini Loan: With an Iemas Mini Loan you don't have to sweat the small things!

Eligible members can utilise the Iemas Mini Loan for smaller expenses such as school books for your children, uniforms, much needed tyre replacements or even unexpected travel expenses.

Features and benefits

• Maximum amount up to R15 000• Up to 12 months to repay

An option to suit your every financial need!

No matter your financial need: the unexpected loss of a loved one; medical bills; an unplanned financial emergency; investing in your educational future or home improvements - an Iemas Financial Service's loan could be your solution.

Why Iemas?

• Iemas is a Co-operative which means members share in the organisation's profit annually according to the products they have used throughout the year

• Iemas understands that members have unique financial needs and as such offers both secured and unsecured loan options at competitive interest rates to suit your pocket

*Iemas Loan options available include:

• Personal loan • Maxi loan • Mini loan • Emergency loan• GradUcare Educational loan • Iemas Housing Solutions

Emergency Loan: Let Iemas, your caring partner, help you when you need it the most with an Iemas Emergency Loan!

Eligible members can utilise an Iemas Emergency Loan in times of crisis. Situations that qualify as emergencies:

• Death, illness or medical costs • Unexpected loss or interruption of income • Catastrophic loss of, or damage to your home or

property due to fire, theft or a natural disaster

Features and benefits

• Maximum amount up to R6 000• Up to 12 months to repay• Proof of incident required when applying

GradUcare Educational Loan: Let an Iemas GradUcare Educational Loan be your catalyst to greatness!

Eligible members can utilise the Iemas GradUcare Educational Loan to provide their children with an education, the ingredient to a successful future.

Features and benefits

• Maximum amount up to R80 000• Repayment period of up to 60 months• Loan amount can be used for tuition fees, books

and campus accommodation• Guaranteed affordable interest rate*• All loan disbursements are made directly to the

applicable educational institution• Credit life cover available

*Subject to approval, interest rate may vary to a maximum of prime plus 3%

Terms & Conditions applyIemas Financial Services (Co-operative) Limited is a registered credit provider | NCRCP 1332 and Iemas Insurance Brokers (Pty) Ltd is an authorised financial services provider | FSP 47563 | www.iemas.co.za

*Loan amount, interest rates and payback terms are subject to individual and payment profile assessment.