Description:
The HSP allows you to gradually build up the personal contribution required to obtain a mortgage at a preferential rate. Withdrawals are not permitted during the savings period.
Features:
IB Bank's House Savings Plan (HSP) is designed to help individuals achieve their real estate goals. It allows them to gradually build up savings for the purchase, construction, or renovation of a home, while benefiting from a secure and profitable framework.
Free and regular deposits according to the customer's capacity
Capital available at any time (subject to the terms and conditions of the contract)
Account history that can facilitate access to a mortgage
Account monitoring via IB Bank Online and IB Bank SMS
Benefits:
- Tax-free savings at a rate of 3.75% per year
- Accessibility to payment methods (issuance of checkbooks and bank cards)
- Payment schedule or free transfer
- Acquisition of land for future construction
- Purchase of a home
- Development, extension, renovation, or construction of a dwelling
Documents to be provided and conditions for opening:
To start a house savings plan, you must provide the following documents:
- Two (02) recent passport photos from the same print run
- Valid proof of identity (National Identity Card, Consular Card, ECOWAS Card, or Passport)
- Proof of residence (a copy of a water, electricity, or landline telephone bill, or a certificate of residence)
- Mailing and geographic address
- Initial Deposit: Free of charge