| Product | Murabaha Rate | Payment Period | Variable Rate | Effective Annual Percentage Rate | An Actual Example to Calculate The Actual Rate Of a Product | |||
| minimum rate | the highest rate by customer category | minimum rate | the highest rate by customer category | minimum rate | the highest rate by customer category | |||
| Personal Finance | 5.75% | 7.00% | 1 | 10.299% | 12.496% | 12.204% | 14.412% | amount = 100,000 JD |
| 5.75% | 7.00% | 2 | 10.528% | 12.729% | 11.537% | 13.748% | fixed rate = 5.75% | |
| 5.75% | 7.00% | 3 | 10.494% | 12.649% | 11.188% | 13.352% | variable rate =10.299% | |
| 5.75% | 7.00% | 4 | 10.397% | 12.498% | 10.930% | 13.040% | payment period 1 year | |
| 6.00% | 7.25% | 5 | 10.695% | 12.730% | 11.132% | 13.176% | extra cost ( 1% of financing values paid once granted) | |
| 6.00% | 7.25% | 6 | 10.564% | 12.547% | 10.936% | 12.928% | when applying the approved formula of the central bank of jordan the Effective annual percentage rate is | |
| 6.00% | 7.25% | 7 | 10.435% | 12.369% | 10.760% | 12.703% | %12.204(Effective APR) | |
| Financing of Shares | 6.00% | 7.25% | 1 | 10.740% | 12.934% | 12.647% | 14.851% | amount = 100,000 JD |
| 6.00% | 7.25% | 2 | 10.970% | 13.166% | 11.981% | 14.186% | fixed rate = 6% | |
| 6.00% | 7.25% | 3 | 10.928% | 13.075% | 11.624% | 13.780% | variable rate=10.74% | |
| 6.00% | 7.25% | 4 | 10.821% | 12.912% | 11.356% | 13.456% | payment period 1 year | |
| 6.25% | 7.50% | 5 | 11.106% | 13.131% | 11.546% | 13.578% | extra cost ( 1% of financing values paid once granted) | |
| 6.25% | 7.50% | 6 | 10.966% | 12.937% | 11.340% | 13.320% | when applying the approved formula of the central bank of jordan the Effective annual percentage rate is | |
| 6.25% | 7.50% | 7 | 10.827% | 12.748% | 11.154% | 13.084% | %12.647(Effective APR) | |
| Auto Finance | 4.75% | 5.75% | 1 | 8.531% | 10.299% | 10.428% | 12.204% | amount = 100,000 JD |
| 4.75% | 5.75% | 2 | 8.745% | 10.528% | 9.747% | 11.537% | fixed rate = 4.75% | |
| 4.75% | 5.75% | 3 | 8.740% | 10.494% | 9.427% | 11.188% | variable rate =8.531% | |
| 4.75% | 5.75% | 4 | 8.680% | 10.397% | 9.206% | 10.930% | payment period 1 year | |
| 5.25% | 6.25% | 5 | 9.446% | 11.106% | 9.879% | 11.546% | extra cost ( 1% of financing values paid once granted) | |
| 5.25% | 6.25% | 6 | 9.344% | 10.966% | 9.711% | 11.340% | when applying the approved formula of the central bank of jordan the Effective annual percentage rate is | |
| 5.25% | 6.25% | 7 | 9.242% | 10.827% | 9.562% | 11.154% | %10.428(Effective APR) | |
| Land Murabaha | 4.75% | 5.50% | 1 | 8.531% | 9.858% | 10.428% | 11.761% | amount = 100,000 JD |
| 4.75% | 5.50% | 2 | 8.745% | 10.084% | 9.747% | 11.091% | fixed rate = 4.75% | |
| 4.75% | 5.50% | 3 | 8.740% | 10.058% | 9.427% | 10.750% | variable rate=8.531% | |
| 4.75% | 5.50% | 4 | 8.680% | 9.971% | 9.206% | 10.502% | payment period 1 year | |
| 5.00% | 5.75% | 5 | 9.025% | 10.281% | 9.456% | 10.717% | extra cost ( 1% of financing values paid once granted) | |
| 5.00% | 5.75% | 6 | 8.932% | 10.160% | 9.297% | 10.531% | when applying the approved formula of the central bank of jordan the Effective annual percentage rate is | |
| 5.00% | 5.75% | 7 | 8.838% | 10.040% | 9.157% | 10.364% | %10.428(Effective APR) | |
| Home Finance | from 1 year – 15 years | 6.75% | 7.50% | 8.639%-6.911% | 9.393%-7.664% | amount = 100,000 JD | ||
| variable rate = 6.75% | ||||||||
| payment period 1 year | ||||||||
| extra cost ( 1% of financing values paid once granted) | ||||||||
| from 15 years – 20 years | 7.00% | 7.75% | 7.162%-7.130% | 7.916%-7.884% | when applying the approved formula of the central bank of jordan the Effective annual percentage rate is | |||
| from 20 years – 25 years | 7.00% | 7.75% | 7.130%-7.112% | 7.884%-7.866% | 8.639%(Effective APR) | |||
| Land Finance | from 1 year – 12 years | 7.25% | 8.00% | 9.142%-7.413% | 9.895%-8.167% | amount = 100,000 JD | ||
| variable rate = 7.25% | ||||||||
| payment period 1 year | ||||||||
| extra cost ( 1% of financing values paid once granted) | ||||||||
| from 12 years -15 years | 7.50% | 8.00% | 7.664%-7.633% | 8.167%-8.135% | when applying the approved formula of the central bank of jordan the Effective annual percentage rate is | |||
| from 15 years – 20 years | 7.75% | 7.75% | 7.884%-7.866% | 7.884%-7.866% | 9.142%(Effective APR) | |||
| Commercial Offices Financing | from 1 year – 15 years | 7.50% | 8.25% | 9.393%-7.664% | 10.146%-8.418% | amount = 100,000 JD | ||
| variable rate = 7.5% | ||||||||
| payment period 1 year | ||||||||
| extra cost ( 1% of financing values paid once granted) | ||||||||
| from 15 years – 20 years | 7.75% | 8.50% | 7.916%-7.884% | 8.669%-8.638% | when applying the approved formula of the central bank of jordan the Effective annual percentage rate is | |||
| from 20 years – 25 years | 8.00% | 8.00% | 8.135%-8.117% | 8.135%-8.117% | 9.393%(Effective APR) | |||
رسالة من القلب….
شعرنا مع متعاملينا بسبب الظروف الاقتصادية الصعبة التي واجهت العالم، البعض خسر وظائفه والبعض تأثّر دخله، وفي هذه الأثناء كان همّ صفوة الأول هو مساعدة متعامليه لإيجاد الحل المناسب، ففي صفوة ننظر لمتعاملينا على أنهم عائلتنا.
تنوعت الحلول التي تم العمل بها، وتواصلنا مع متعاملينا ليلاً ونهاراً من خلال قنواتنا المختلفة، فكان العمل أشبه بخلية نحل. هذه الجائحة علمتنا كيفية التعامل مع الأزمات المختلفة، ولا ننكر أننا واجهنا أوقاتاً ولحظات من الخوف والقلق، لكن ثقة متعاملونا بنا كانت الدافع الأكبر لإعادة صياغة استراتيجيتنا ومنتجاتنا وخدماتنا وإطلاقها بأقل الأسعار.
هذه الجهود أتت ثمرها وأصبح صفوة الخيار الأول، فتوسعت قاعدة متعاملينا وزادت ثقة متعاملينا القائمين، وكيف لا وقد وعدنا الله تعالى في كتابه الكريم “وقل اعملوا فسيرى الله عملكم”.
هذه الجائحة جعلتنا أقوى من قبل وعلى ثقة بأننا بنك كبير بوجودكم معنا.
في صفوة سنستمر على هذه الخطى، وسنستمر في العمل بشعارنا وهو أنّ متعاملينا هم أولويتنا، فنقدّم أفضل الخدمات والمنتجات وبأفضل الأسعار.
نسأل الله العليّ القدير دوام الصحة والعافية على الجميع والرحمة لكل من فُقد في هذه الجائحة.