FEATURES FOR SPECIAL LOAN 1 1. Period: 48 Months 2. Limit is 2.5 of the total shares 3. Any loan above 2.5 million will need a collateral. 4. Civil Servants as per capacity but they are required to bring commitment letter declaring that they are not retiring soon. 5. Interest 4% reducing balance 6. It will have processing 4% 7. Insurances fees is calculated using the following formula ((loan amount/1000)*1.25*period)