The bank Popular of Saving creates for himself by means of the Decree Law No. 69 of date May 18, 1983, published in Official Gazette Extraordinary No. 11 of date May 18, 1983. Furthermore, Resolution Not. Five hundred thirty six of date August 6, 1984, of the First Vice-President of the National Bank of Cuba, published in the Official Gazette Ordinary No. 55 of date August 29, 1984, ratify the sale as a result of which, to the start of operations of the first working day of January  1984, they proceeded to integrate the Bank Popular of saving: The agencies of population (perform on Subsidiaries), the same ones Boxes of saving linked to them, the Provincial Directions of saving (perform on Directions Territorial, Provincial and of the Special Municipality Island of the young), and the offices of the central level (present-day Head Office).

Services

Personal bench

We borrow:

By means of the granting of credits, the bank concedes the right to have a certain quantity of money during a period of time determined, in exchange for the collection of payment of interests and agreed commissions.

Advantages for the customer.

- Fast and safe money.

- Permit discount for payroll.

- Financing with bank credit and solving needs.

Requirements to be Fastened of Financiamiento.

- Having kept 18 elderly years.

- Residing permanently in Cuba.

- Having licit demonstrable, fixed income and or regular customers.

- Having honored and being honoring, to have caught them, other bank debts seriously.

- Fulfilling the creditworthiness, assurances and other requirements and conditions demanded by the Bank.

Types of Loans.

- Loan for Consumption.

- Loan for Construction Materials.

Characteristics

- Credits amortize themselves with a minimal monthly payment of 50,00 CUP, except for the retired persons and pensioners.

- There is not a minimal pay-back period or maximum these depend on the capacity of the payment of the debtor.

- A customer's creditworthiness comes true from the monthly income. These income are deducted the 33 % and the customer can compromise to the 50 % to amortize in shorter time or to agree to more financing.

- The minimal monthly payment for teams of cooking are 30,00 with a time limit of amortization of 10 years.

Loans for consumption:

The loan for consumption the BPA grants herself to buy a good or service of personal use in periods determinados.El he can finance for:

The loan for consumption the BPA grants herself to buy a good or service of personal use in periods determinados.El he can finance for:

- Rice cookers, of electric and conventional pressure.

- Kitchen of induction (it can belong to 1 or two rangetops) and your furnishings.

- Electric cooker of resistance.- Goods once the MININT's workers were assigned to, MINFAR, and Glorias Sports.

- Teams that use renewable sources of energy (solar water heaters and systems of photovoltaic building lots this last when your commercialization is authorized)

Advantages for the customer.

- It allows using products and services, while still they are paying for them without having to wait until they had saved enough money for a cash purchase.

- He creates a credit track record to of being favorable, it allows the consumers making good use of other opportunities of financing.

LOAN FOR CONSTRUCTION MATERIALS And Or PAYMENT OF THE MANPOWER.

Loan granted in order to make easy the acquisition of construction materials and payment of the manpower to realize for the people constructive actions by one's bootstraps for the sake of getting better, enlarging or remodeling his house.

Advantages for the customer.

- Offer ease and an ample pay period.

- It allows enjoying the repair, renewal and or enlargement of your house without big affectations of manner to your personal earnings.

- In the same measure that keeps on amortizing the loan he can request an enlargement of the same and going on with the works.

2.Savings accounts

You count for the future in Magnetic Card: It is about accounts shaped like magnetic card, where monthly payments that are deducted for the bank, to the salaries deposit that customers charge.

- They can be sincere by workers, retired persons or pensioners.

- Permit extractions in any automatic teller machine, for TPV, operations for Transfermovil and Remote Bank, and besides accomplishing shopping of products and services with the resulting bonus that it implies of 4 % of discount

- They earn an interest of a 2 yearly % and it improves with a 2 additional %, if the customer does not accomplish extractions during a natural year, from the opening date of the account

Savings accounts Ordinary:

- They can be sincere in CUP, CUC, USD and EURO everybody natural, of legal age, Cubans or resident aliens in the country.

- Natural persons Cubans and foreigners nonresident in the country, (in freely convertible coin MLC) USD and EUR- Minimal balance for the opening $50.00

- Tell that it can be incremented by means of cash deposits, checks (CUP, CUC and USD) or national bank transfers or international Importe minimal to maintain in the account it belongs to 50.00CUP, CUC, USD or EUR.

- Operations can come true so much in the subsidiaries of the inaugural Bank as of another Banco (CUP, CUC or USD), according to the regulations established, the ones of EURO only in the subsidiary where the account is open

In Banco Popular of Ahorro he gets to stub prevention, detection and confrontation to money laundering, which is why it has like fundamental premise to keep the international beginning: KNOW YOUR CUSTOMER and applying logically to the due diligence to know it the deeper inside possible. 

We have the responsibility of assuring that for our system the funds of illicit origin do not transit then, than the operations that for him process themselves be taken to stub accordingly to rigorous ethical principles, and respecting laws and regimentations concerning to financial operations and of collections of payment and payments. 

In order to fulfill this precept in our subsidiaries and when customers resort to opening savings accounts, pays a courteous visit to him intervening information the models Conozca to your Cliente and in front of determined amounts of extraction and deposits, the model carries out Origin and Destiny of the Funds itself

What it is a Fixed Deposit:

It is the deposit of determined amount of money during a period agreed on between the Bank and the customer, with the last commitment of this, that to the duedate of the same advance of interests will not come over the utmost depositada

Depósito at a fixed term in MN with payment.

- Let that headlines may collect earned interests in advance, without having to expect their duedate.

- The minimal balance for the opening is 100,00 CUP The period of imposition is of 72 months.

- In the case of interests a differentiated rate is applicable of one (7 %) regarding the traditional Fixed Deposits.

- Interests can collect themselves before the duedate of the deposit, at the end of every year that it passed, from the date of imposition or prorogation. To charge the interests for the customer in advance and next interrumpirg the Deposit before your duedate, the same it deduct myself of the principal balance of the savings account.

Certificate of deposits:

- Your balance is represented in CUP, CUC ó USD.

- A certificate's headline can negotiate it with the Issuing Bank or a third if that way desires it, by means of the correspondent item endorsement that should be done in front of the Issuing Bank.

- They can be endorsed in favor of a financial institution or of someone else natural, up to a maximum of two times.

- They agree for a minimal total sum of 100 CUP and 500 CUC or USD.

- The periods of imposition belong to 3, 6, 12, 24, 36 and 60 months, nonrenewable to the duedate.

- They earn a fixed interest in dependence of the agreed period and according to the agreed rate.

- In case of decease of the headline your total sum is processed by inheritance, according to what's established in the prevailing laws, then it does not enable designation of beneficiaries.

Fixed deposit

The minimal balance for the opening is 100,00 CUP, 200,00 (CUC or USD),

- The periods of imposition are 3-month, 6 months, 12(1 year), 24(2 years), 36(3 years) and 60 months (5 years).

- Interests will be able to be not only charged in cash, but at the request of the customer they will be able to deposit of automatic way to the same account (capitalization) or to another account that this has in the same subsidiary, including account of magnetic card. If the customer disobeys the agreed period, the Bank returns all its money to him and does not pay his interests.

- These deposits recess themselves officially, that's to say, needlessly that the customer shows up in the Bank to the expiration of term agreed on, by a total sum and to a similar period to the initial, but to the going rate upon the prorogation.

Beneficiaries 'Designation.

- He can designate beneficiary (s) of your balances to $5000.00, the Individual headline of Savings Accounts.

- The full names of the designate beneficiaries should correspond with their credential papers.

- Beneficiary (s) in the act of opening of the account can be designated or at a later time.

- When perishing the headline, beneficiaries can charge to $ 5000,00, without that this number integrates the hereditary flow The headline the part that corresponds to each beneficiary can specify, otherwise, the Bank it gets authorized to sell out to the same in equal shares

.- The holder of an account, whose balance be constituted with saving of the wedding community, can have only even one half as the balance, unless the consort consents the designation at any time, in which case he can arrange of the balance to $ 5000,00. Said consent can take place for the heirs of the consort, of having perished this

I pay when perishing Beneficiarios

-Headline, the or the designate beneficiaries, they claim the Bank, showing the following documents.

- Death certificate or certified copy with note of firmness of judicial sentence that he declares Death's presumption of headline ID Card.

- Savings passbook, of no being possible, keeps note of it in the file of liquidation.

The payments of beneficiaries will be able to realize as much in the inaugural Subsidiary as in another one themselves, either of the own bank or of BANMET, the corresponding payments to liquidation of the wedding community of goods, as well as the payments to beneficiaries and to heirs even though the account found itself pregnant inactive.

For more information you can visit the web site of the Bank Popular of Saving

www.bpa.cu

Contacto

Director: Ophelia Revoredo Sanchez

Direction: avenue 16 # 901 between 9 and 11 Jovellanos Matanzas

Phone: 45813271/ 45812706

Mail

Director:

Recuperation's This email address is being protected from spambots. You need JavaScript enabled to view it.:

Countable This email address is being protected from spambots. You need JavaScript enabled to view it.

Manager: This email address is being protected from spambots. You need JavaScript enabled to view it.

Hours of services:

8:00 AM to 1:00 PM

Atention to Poblation:

Tuesday and Thursday 8:00 am 1:00 pm

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