First National Bank of Namibia LTD
C/O Fidel Castro & Independence Ave
Box 195, Windhoek
Tel: 061 2992111
infonam@fnbnamibia.co.na
The Parkside branch also services RMB, Homeloans and WesBank clients.
RMB Namibia Tel: 061 2992340
RMB Corporate Banking
Tel: 061 2998446
infonam@fnbnamibia.com.na
WesBank
C/O Fidel Castro & Independence Ave
Box 195, Windhoek
Tel: 061 2992437
wesbank@fnbnamibia.com.na
Homeloans
C/O Fidel Castro & Independence Ave
Box 2150, Windhoek
Tel: 061 2992523 / 061 2992524
bonds@fnbnamibia.com.na
C/O /Fidel Castro & Independence Ave
First Floor
Box 285, Windhoek
Tel: 061 2992838
C/O Chasie & Frankie Fredericks St, Ground Floor
Shop 44, The Grove Mall shopping centre
Box 35387, Kleine Kuppe, Windhoek
Tel:061 2992222
C/O Independence Ave & John Meinert St
Box 23043, Windhoek
Tel: 061 299 2222
Contact Centre
C/O Fidel Castro & Independence Ave
Box 285, Windhoek
el: 061 2992222
Pick n Pay Complex, Independence
Katutura
Box 62207, Katutura, Windhoek
Tel: 061 2992222
fnbkatutura@fnbnamibia.com.na
16 Nguni St, Northern Industrial Area
Box 23043
Tel: 061 299 2222
Private Wealth
C/O Fidel Castro & Independence Ave
Ground Floor
Box 285, Windhoek
Tel: 061 2998447
207 Independence Ave, Windhoek
Box 285, Windhoek
Tel: 061 299 2222
Bureau de Change
207 Independence Ave, Windhoek
Box 285, Windhoek
Tel: 061 299 2222
First National Bank of Namibia LTD
17 Main St, Box 91 Aranos
Tel: 061 299 2222
First National Bank of Namibia LTD
BH Complex Main Rd, Box 13407 Eenhana
Tel: 061 299 2222
First National Bank of Namibia LTD
44 Church St, Box 14 Gobabis
Tel: 061 299 2222
First National Bank of Namibia LTD
Hage Geingob Ave, Box 30 Grootfontein
Tel: 061 2992222
First National Bank of Namibia LTD
C/O Jakkalsputz & Duineweg, Box 447 Henties Bay
Tel: 061 299 2222
First National Bank of Namibia LTD
79 Main St
Tel: 063 270012
Fax: 063 270079
First National Bank of Namibia LTD
Main St Hidipo Hamutenya, Box 24 Karibib
Tel: 061 299 2222
First National Bank of Namibia LTD
Hage Geingob Drive, Erf 329 Katima Mulilo
Tel: 061 299 2222
First National Bank of Namibia LTD
76 Hampie Plichta Ave, Box 77 Keetmanshoop
Tel: 061 299 2222
First National Bank of Namibia LTD
12 Bismarck St, Box 10 Luderitz
Tel: 061 299 2222
First National Bank of Namibia LTD
Erf 280 Dr Sam Nujoma Ave, Box 131 Mariental
Tel: 061 299 2222
First National Bank of Namibia LTD
Nkurenkuru Shopping Mall, Main Rd
Tel: 061 299 2222
First National Bank of Namibia LTD
Okahao-Tsandi main Road, Box 42 Okahao
Tel: 061 299 2222
First National Bank of Namibia LTD
Shop 16, Okahandja Shopping Mall, Box 140
Tel: 061 299 2222
First National Bank of Namibia LTD
89 John Tjikuua St, Box 212 Okakarara
Tel: 061 299 2222
First National Bank of Namibia LTD
Room no 16, Okongo Complex, Box 15216 Okongo
Tel: 061 299 2222
First National Bank of Namibia LTD
Omuthiya Shopping Centre, Shop no 10 Main Road Omuthiya
Box 19281 Omuthiya
Tel: 061 299 2222
First National Bank of Namibia LTD
37 Main Rd, First City Centre
Box 42, Ondangwa
Tel: 061 299 2222
First National Bank of Namibia LTD
Tel: 061 299 2222
Area Office
Ongwediva
Shop 28-32, Oshana Mall, Main Road,
Tel: 061 299 2222
Box 3321,
Tel: 061 299 2222
First National Bank of Namibia LTD
NDC Park 1, Main Road, P/Bag 3008 Opuwo
Tel: 061 299 2222
First National Bank of Namibia LTD
8th Avenue, Box 204 Oranjemund
Tel: 061 299 2222
Oshakati Game
Game Shopping Complex, King Mandume Road
P/Bag 5510, Oshakati
Tel: 061 299 2222
First National Bank of Namibia LTD
Erf 272, Okatana, Main Road
P/Bag 5510, Oshakati
Tel: 061 299 2222
FNB Insurance Brokers Namibia (PTY) LTD
Office No 8, Oshakati Complex
Tel: 061 299 2222
First National Bank of Namibia LTD
No 13, Unie St, Box 81 Otavi
Tel: 061 299 2222
First National Bank of Namibia LTD
7 George St, Box 64 Otjiwarongo
Tel: 061 299 2222
Otjiwarongo Midway Agency
Hage Geingob St, Spar Complex, Shop no 2
Tel: 061 299 2222
Box 64 Otjiwarongo
Central North Area Office
196 Hage Geingob St, Box 2047 Otjiwarongo
Tel: 061 299 2222
Fax: 067 308805
FNB Insurance Brokers Namibia (PTY) LTD
44 Hage Geingob St, Box 667 Otjiwarongo
Tel: 061 299 2222
Fax: 067304438
First National Bank of Namibia LTD
Tsandi, Main Road, Box 35 Outapi
Tel: 061 299 2222
First National Bank of Namibia LTD
Erf 29, Shop 7, President Ave, Outjo Park, Box 16 Outjo
Tel: 061 299 2222
First National Bank of Namibia LTD
Erf 1, C/O Church & Bahnhoff, Block B, P/Bag 1008 Rehoboth
Tel: 061 299 2222
First National Bank of Namibia LTD
2 Lood St, Box 418 Rosh Pinah
Tel: 061 299 2222
First National Bank of Namibia LTD
Maria Mwengere Street
Box 149 Rundu
Tel: 061 299 2222
First National Bank of Namibia LTD
16 Tobias Hainyeko St, Box 1 Swakopmund
Tel: 061 299 2222
Mondesa
1040 C/O Independence & Mandume Ndemufayo Ave
Mondesa, Box
First National Bank of Namibia LTD
74A Presidents Ave, Box 251 Tsumeb
Tel: 061 299 2222
First National Bank of Namibia LTD
138 Sam Nujoma Ave, Box1 Walvisbay
Tel: 061 299 2222
Kuisebmond
Shop 4& 5 Nataniel Mauxuilili Service Centre
Kuiseb Mall, Kuisebmond, Box 1819 Kuisebmond
Tel: 061 299 2222
Fax: 064 280501
WesBank Finance
No 5, 11 Road, Walvisbay
Box 2941, Windhoek
Tel: 061 299 2222
Fax: 064 203409
FNB Insurance Brokers Namibia (PTY) LTD
116 6 St, Box 1640 Walvis Bay
Tel: 061 299 2222
FNB Insurance Brokers complaints
fnbibcomplaints@fnbnamibia
No 9 Eaton Heights, Bassingthweighte St
Klein Windhoek
Box 285, Windhoek
Tel: 061 2992222
Instalments refer to a set amount you pay for an item over an agreed period. Often, we are attracted by special offers and low monthly instalments that look like very good deals. But 'low' instalments can be deceiving.
It is important to look at the total cost you will pay by adding up the monthly instalments over the payment period. You may find you will pay way more than the cash price. Always check before agreeing to the instalments and where possible, save up and buy the item in cash.
Remember: Check if you are being charged for extras such as delivery, credit life insurance, etc. You have a choice not to take up insurance if you do not want it.
It's always better to save up for something and pay cash, but we know that's not always possible.
There are two types of interest: interest earned (on savings and investments) and interest charged (on loans).
This type of interest is a way to grow your money and is a reward from the bank for saving your money with them. It's extra money you earn for saving your money with a bank or an investment/savings institution.
This is the type of interest charged by a credit provider to lend you money. It's the cost of credit and is usually calculated as a percentage of the amount that you borrow.
When interest is calculated on the original investment and interest earned, so you earn interest on your interest, helping your money grow quicker.
When interest is calculated on the original amount borrowed invested plus any interest charged in previous months or years so you are charged interest on your interest, meaning your debt grows over time.
Instalments refer to a set amount you pay for an item over an agreed period. Often, we are attracted by special offers and low monthly instalments that look like very good deals. But 'low' instalments can be deceiving.
If you are planning to borrow money, there are lots of different places that you can borrow from including: banks, micro-lenders, shops and informal (unregistered lenders) such as loan sharks.
All these places offer different products and their terms and application requirements differ. The risk associated with each lender also differs, so think carefully before signing an agreement or contract.
Taking up credit is a big decision. Before you do, consider the following:
Obtain a quote from the credit provider. It should show how much you will be paying in total.
Find out if there are penalties or rewards for repaying the debt earlier.
Get a copy of the contract and read it at home before you sign.
Make sure you understand the terms of the agreement.
Find out what will happen if you are unable to make the loan repayments on time.
There is no shame is asking for help to manage your debt. It is better to get help than to drown in debt.
Your rights as it relates to credit is protected under the National Credit Act and the National Credit Regulator can assist customers to get help when their rights have been violated. If you have a concern or a problem about the way you have been treated in accessing credit, contact the NCR. Their telephone number is 0860 627 627 and their website address is www.nca.co.za
Physical address:
Plot 184 Ist Floor,
Tlale House Main Mall , Opposite BEDIA.
Postal address:
Office of the Banking Adjudicator
Private Bag 00404
Gaborone
Tel: (0267) 3935409
Fax: (0267)3935406
Email: bankadjud@info.bw
Website: www.banking-adjudicator.org.bw
Credit bureaux keep credit related information of all credit-active consumers, this information is compiled on a credit report or credit profile. Credit grantors submit payment information to the credit bureaux on how well you are repaying your loans. The information submitted is both positive and negative information. The purpose of a credit report is to allow credit grantors to determine if you are eligible for credit, by assessing the amount of credit you already have and also looking at how well you repay existing loans. It is a risk for companies to give you a loan, therefore they must ensure that you can repay it.
Call Centre on 0861 514 131
Online at www.mycreditcheck.co.za
Call Centre on 0861 105 665
Online at www.creditexpert.co.za
Plot 115 Unit 21 Kgale Mews, Gaborone, Botswana
Private Bag 305, Gaborone, Botswana
Email: vgaleromeloe@transunion.co.za
Web: http://www.transunion.co.za
Phone: 0267 390 3535
Fax: 0267 318 1124
Call Centre on 0860 937 000
Online at www.credit4life.co.za
The seller takes back the goods, as well as keeps the money you have already paid for the goods.
A judgement is a court order that forces you to repay your loans.
Depending on how big your debt is, the court can order that some of your property (such as furniture, a vehicle, etc.) can be repossessed.
The court will instruct your employer to pay a part of your wages or salary to the creditor as repayment of your debt.
You are over-indebted if you are failing to meet your debt repayments and constantly need to borrow to support your monthly expenses.
a) The first step is to write a list of all the people and businesses that you owe money to.
b) Contact your creditors and explain your situation.
c) When creditors write to you, take their letters seriously and respond.
d) Do not promise to make payments if you cannot afford them. Rather explain the situation and look at making smaller payments over a longer period.
e) Avoid taking more loans to pay the debt you already have
f) Change your lifestyle, cut down on things like entertainment, alcohol, cigarettes, gambling, etc.
g) If you drive an expensive car, consider downgrading to a more affordable car or sell your car and use public transport.
h) Avoid buying groceries on credit.
i) Consult a debt counsellor. Call the National Credit Regulator (0860 627 627) and they will refer you to a debt counsellor near you.
There is no shame is asking for help to manage your debt. It is better to get help than to drown in debt.