Residential Loans

Overview

If you thought owning your own home was difficult to achieve, then come to The St. Vincent Co-operative Bank and we will show you how you can realize this goal very easily.

Need to do an extension or renovation to your home, to better accommodate your changing needs or growing family. The St. Vincent Co-operative Bank can facilitate you.

General Requirements:
• Deed of Conveyance
• Approved Plan
• Detailed Estimate / Sale Agreement
• Job Letter / Salary Slip (must not be in excess of 2 months old)
• Proof of Address e. a utility bill, a credit card Statement, an existing Bank account statement from another financial institution, or hire purchase receipt bearing the address. (These must not be in excess of 2 months old)
• Two valid pieces of identification (e.g. National ID Card, Passport or Drivers License)

In addition to the above, overseas customers are required to provide three (3) pieces of photo identification, Bank Statements, Income Tax Returns (last 2 yrs), Credit Bureau report, Bank reference letter. All documents from overseas customers must be notarized by a Notary Public.

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Land Loans

Overview
The St. Vincent Co-operative Bank Limited offers mortgage loans for purchasing land. Our interest rates on loans are highly competitive and our application process guarantees a hassle-free experience with unmatched personalized service.

General Requirements:
• Deed of Conveyance
• Sale agreement
• Survey Plan
• Job Letter / Salary Slip (must not be in excess of 2 months old)
• Proof of Address e. a uutility bill, a credit card Statement, an existing Bank account statement from another financial institution, or hire purchase receipt bearing the address. (These must not be in excess of 2 months old)
• Two pieces of identification (e.g. National ID Card, Passport or Drivers License)

In addition to the above, overseas customers are required to provide three (3) pieces of photo identification, Bank statements, Income Tax Returns (last 2 yrs), Credit Bureau report, Bank reference letter. All documents from overseas customers must be notarized by a Notary Public.

Mortgage Calculator

Commercial Loans

Overview
You’ve found the right property, but how do you find the right loan to buy it?  The St. Vincent Co-operative Bank can walk you through and assist with your real estate loans.

General Requirements:
• Business Plan
• Audited Financial Statements (2 years)
• Bank Statements
• Corporate documents
• Trade Registration Documents
• Deed of Conveyance
• Survey Plan
• Approved Plan (if applicable)
• Detailed Estimate / Sale Agreement
• Two valid pieces of identification for directors (e.g. National ID Card, Passport or Drivers License)

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Vehicle Loans

Overview
SVCB offers new and used vehicle loans to customers at the best rates available in SVG. We pride ourselves on our swift decision-making and loan approval could be obtained in as few as two days.

General Requirements:
• Invoice, pro-forma invoice / sale agreement
• Valuation Report*
• Registration Certificate
• Maximum term of 60 months for used vehicles
• Maximum term of 84 months for new vehicles
• Proof of Address e. a uutility bill, a credit card Statement, an existing Bank account statement from another financial institution, or hire purchase receipt bearing the address. (These must not be in excess of 2 months old)
• Job Letter / Salary Slip (must not be in excess of 2 months old)
• Two valid pieces of identification (e.g. National ID Card, Passport or Drivers License)

*Valuations reports must come from Dennis Joyette or Ashford Cole who are SVCB’s approved vehicle valuators.

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Personal Loans

Overview
Put your money where your dreams are. Loans for the life you live. There are a host of reasons you may want access to a loan. A consumer loan from The St. Vincent Co-operative Bank can help put your money to work for you right now.

General Requirements:
• Purpose of loan
• Invoices (goods purchases)
• Travel Itinerary
• Job Letter / Salary Slip (must not be in excess of 2 months old)
• Two valid pieces of identification (e.g. National ID Card, Passport or Drivers License)
• Proof of Address e. a utility bill, a credit card Statement, an existing Bank account statement from another financial institution, or hire purchase receipt bearing the address. (These must not be in excess of 2 months old)

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