Secured Personal Term Loan with Pledged Immovable Properties
What We Offer
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Competitive Interest: Earn up to 8.5% p.a. on your daily balances, with interest deposited into your account quarterly.
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Unlimited Transactions: Make deposits, withdrawals, and transfers with no restrictions, giving you full control over your finances.
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Branch and Digital Access: Easily manage your account at any of our branches or through our convenient online and mobile banking platforms.
Is This Account Right For You?
This account is perfect for individuals in Myanmar who:
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Want a convenient and flexible account for daily transactions.
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Seek to earn competitive interest on their savings.
Government Assisted Loans/ MSME Financing
MSME Development Financing
Myanmar Metro Bank is dedicated to fueling the success of micro, small, and medium-sized enterprises (MSMEs) throughout Myanmar. Recognizing the vital role MSMEs play in our nation's economic development, the bank has partnered with Myanmar Economic Bank to offer loans through the MSME Development program. This special financing initiative, backed by the government's MSME Development Fund, provides MSMEs with access to much-needed financing.
The MSME Development Financing program offers a range of loan options specifically designed to meet the diverse needs of MSMEs. These loans come with favorable interest rates and flexible repayment terms, making them both accessible and manageable for businesses. Whether an MSME needs to enhance its day-to-day operations, invest in new equipment, or expand its production capacity, this program provides the financial support to make it happen.
By offering these vital financial services, Myanmar Metro Bank aims to help MSMEs overcome challenges, seize opportunities, and achieve sustainable growth. This contributes to job creation, strengthens the overall economy, and supports our nation's ongoing economic development.
Tailored Support for Growth
This financing is uniquely crafted for micro, small, and medium enterprises, empowering you to acquire the essential assets that will propel your business to new heights and ensure its thriving success.
Long-Term Success Orientation
This loan is intricately designed to ignite sustainable growth and pave the way for your business's long-term success, enhancing efficiency through the strategic acquisition of new assets that empower your operations.
Benefits
Ensure your business thrives with our specialized MSME development financing for working capital loans, designed to meet the unique needs of micro, small and medium enterprises. With flexible terms and competitive rates, we’re here to support your growth journey and help you achieve lasting success.
MSME Financing
What We Offer
This loan will be considered on priority for established corporations as follows:
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Value-added Manufacturing
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Export Businesses
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Wastewater Treatment and Environmental Conservation
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Eco-Friendly Resource Utilization
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Workforce Management, Talent Sourcing & Payroll
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Production with Locally Sourced Substitutes/ Local Raw Materials
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Healthcare Enhancement Enterprise
This loan will be restricted for corporations as follows:
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Real Estate Services
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Insurance Services
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Microfinance Institutions and Operations
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Jewelry and Gemstone Business
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Bar and Lounge Business
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Recreation and Entertainment Industry (except Tourism and Hospitality Industry)
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Manufacturing of Explosives, Armaments, and Detonating Materials
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Manufacturing and Distribution of Drugs and Stimulants
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Businesses Subject to Legal Restrictions
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Ecologically Unfriendly Businesses
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Flexible Repayment Options: Choose a very flexible and relaxed repayment plans to subsidize and develop your business, making it easier for you to manage your finances.
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Competitive Interest Rates: Benefit from affordable rates that help you maximize your investment and minimize financial strain.
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Interest Rate: as low as 12% p.a.
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Service Charge: 1% – 2% on loan amount
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Loan Tenure: 1 – 3 years
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Penalty Fee: up to 3% p.a.(charged daily on overdue days)
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Pre-Closure Charge: Up to 4% on prepaid amount
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Interest Rate: 3% to 4% p.a.
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Loan Term: Maximum 3 years
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Default Fees: 1% p.a. (charged daily on overdue days of Principal Repayment)
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Late Fees: Interest Rate of Loan Issuing Bank (charged daily on overdue days of interest rate)
Repayment Schedule
Principal Repayment
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Loan Tenor of 1 Year: Full Repayment at the end of Tenor
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Loan Tenor of 1 Year 6 Months: Waiver – First 6 Months, Second 6 Months – 50%, Third 6 Months – 50%
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Loan Tenor of 2 Years: Waiver – First 1 Year, Second 6 Months – 50%, Third 6 Months – 50%
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Loan Tenor of 3 Years: Waiver – First 1 Year, 4 times of payment for every 6 month for the remaining 2 Years
Interest Repayment
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Monthly or Quarterly
Before you apply
Interest Rate
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Below 100 million MMK – 8.0% p.a.
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100 million MMK and above – 8.5% p.a.
⦁ No account opening fee
⦁ Account Maintenance Fee of 1,500MMK will be charged if there is no activity for one year.
CALCULATE YOUR INTEREST
Loan Calculator
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FAQs
Common questions about MSME Asset Loans
Micro, small and medium-sized business owners can apply for a loan through the Union Territory/Region, State, Self-Administered Division/Self-Administered Zone Micro, Small and Medium Enterprises Development Agency branches. You can also contact the nearest MSME agency branch for inquiries and you can also contact Metro Bank's head office Hotline for inquiries.
Myanmar Metro Bank has partnered with Myanma Economic Bank to offer special low-interest loans to micro-, small- and medium-sized enterprises (MSMEs). This program is funded by the government's MSME Development Fund, and Myanmar Metro Bank is participating as a PFI (Participating Financial Institution). This initiative aims to support the growth and development of MSMEs by providing them with access to affordable financing.
Loans cannot be renewed but can be disbursed for maximum 2 times on which loans that will use more than 30% for Fixed Capital.
We will evaluate the credit proposal, but it will not be prioritized. As long as your business is not part of a restricted industry, we will accept the application.
An SME membership card can be obtained by completing the registration online at
An SME membership card can be applied through the provided portal at https://msmewebportal.gov.mm/user/login
The registration fees may be paid online using authorized card payments according to their procedures. Alternatively, assistance can be sought from our Relationship Managers at the nearest branch.An SME membership card can be applied through the provided portal at
The following documents are required for the application:-
4 units of passport sized applicant photos
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Household lists
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License/Permission/Registration obtained from the relevant departments
For any further inquiries, kindly advised to contact our nearest branch for assistance.
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Land and Buildings
Land Types -Inherited Land, Grant Land
Building Types -Concrete RC, Building made of Bricks and Concrete and Steel Structure
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Vehicles and Machineries
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Treasury Bonds/ T Bills
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Fixed Deposits (Saving Deposits)
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Collateralizable Credit Guarantee
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You can apply for a loan at our bank only after fully repaying your existing loans.
Risks associated with the collection of overdue loan principal, interest, and any resulting action plans will be transferred to and managed by the issuing bank. Therefore, default and late fees will be collected according to the issuing bank's applicable and prevailing rates.
Yes. In accordance with the applicant’s industry and in alignment with the program’s regulations and restrictions, collateral, financial strength, and other relevant credit appraisal criteria will be evaluated before making a decision on the loan approval.
CALCULATE YOUR INTEREST
Savings Calculator
Deposit Type
High-Yield Savings Accounts
Total interest you can earn on
23,000,000 Ks
