Issue link: https://maltatoday.uberflip.com/i/1075590
17 COMMERCIAL maltatoday | SUNDAY • 27 JANUARY 2019 APS Bank branch transformation continues APS Bank's transformation of its branches in Victoria, Gozo and Mosta is nearing completion. FOLLOWING closely on the projects undertaken at Valletta Republic Street and Sliema Tower Road, the pur- pose of the Branch Trans- formation Programme is to redefine customers' experi- ence by providing a more contemporary design and technologically friendly en- vironment. Both branches are now equipped with Teller Cash Recyclers, a modern ser- vice lobby with 24/7 ac- cess to an ATM and Bulk Deposit Machine. Inter- active screens have also been installed in the Mosta Branch to assist customers when searching for prod- ucts and services. Equally important are the introduction of various meeting facilities, ranging from pods to board-rooms, permitting more privacy and availability for cus- tomer meetings. The trans- formed offices also create a better 'sense of space'. Works at the Mosta branch will be completed with the reconstruction of the façade, which will be commencing shortly. The Branch Transforma- tion Programme will con- tinue in 2019 with other offices in the APS network undergoing similar mod- ernisation to a more cus- tomer-friendly, standard- ised design. BNF Bank has extended and enhanced its current home loan offer for another six months, until June 2019. The offer con- sists of a fixed interest rate of 2.25% p.a. until June 2020 and a variable rate of 2.99% p.a. thereafter. During the offer pe- riod, the Bank is also offering a full refund on the processing fees for persons buying their first property or changing their primary residence up to a max- imum of €600. Persons buying their first prop- erty, changing their primary residency or purchasing a second home can avail themselves of this offer, as long as the property is used for personal residence. The loan is available for pur- chase, construction, comple- tion, reconstruction, alteration or improvement of the property. Kitchens, photovoltaic panels, air conditioning systems and solar water heaters are considered part of completion works. In addition to the Home Loan, one can also apply for a Personal Loan at reduced rates to finance other personal requirements. "We are pleased to further en- hance our competitive home loan offer at a time when interest in real estate is high," said Melvin Pellicano, Head of Business De- velopment at BNF Bank. "With Malta's culture of owning one's own home set to remain strong, we believe our product offering is very attractive to those who wish to invest in their family's future by purchasing a new home or mak- ing improvements to their exist- ing residence. Our home loan, like all of our products, can be customised to individual requirements, accord- ing to one's life needs. What's more, our banking model puts the customer at the core, via easy and transparent banking, and through a pleasant customer journey." For more information about the BNF Bank Home Loan, visit your preferred branch, call Cus- tomer Care on 2260 1000, or send an email to customercare@ bnf.bank. Customers are encouraged to book an appointment at their preferred branch and to take identification, evidence of income and bank statements on the day. Details of the home loan can be found on the Bank's website www. bnf.bank/home-loan-offer. A representative example con- sists of a typical Home Loan of €250,000 repayable over 30 years with a fixed interest rate of 2.25% p.a. for the first 12 months and a variable interest rate of 2.99% p.a. for the remaining 348 months. The facility will be repayable in 12 monthly instalments of €959.60 and 348 monthly instalments of €1,055.32 plus the following charges: €600 processing fees, €350 legal fees and €100 loan clo- sure fees. The Annual Percentage Rate ap- plicable in this case is 3.05%. All third party fees have not been tak- en into consideration in the calcu- lation of the Annual Percentage Rate. The facility is to be secured by a 1st general hypothec, 1st special hypothec and a special privilege over the property be- ing purchased, a life assurance policy covering the whole facility amount and a building insurance policy for the replacement cost of the same property. If repayments are not main- tained, the Bank may take steps to sell the property financed follow- ing legal proceedings and the bor- rower may lose his property. Terms and conditions apply. The loan is subject to the Bank's lending criteria. The Bank re- serves the right to amend or with- draw this loan product from the market at any time, at its sole and absolute discretion and without any prior notice. BNF Bank plc is a credit insti- tution licensed to undertake the business of banking by the MFSA in terms of the Banking Act 1994. Registered in Malta C41030 - 203, Level 2, Rue D'Argens, Gzira, GZR 1368, Malta. BNF Bank extends and enhances its attractive home loan offer Burger King Malta adopts no straws policy Home loans at great rates. We're ready to listen. Call 2260 1000 | www.bnf.bank Terms and conditions apply. The loan is subject to the Bank's lending criteria. The Bank reserves the right to amend or withdraw this loan product from the market at any time, at its sole and absolute discretion and without any prior notice. BNF Bank plc is a credit institution licensed to undertake the business of banking by the MFSA in terms of the Banking Act 1994. Registered in Malta C41030 - 203, Level 2, Rue D'Argens, Gzira, GZR 1368, Malta. BURGER King Malta are proud to champion a No Straws Movement across all its six stores starting January 2019, as part of its effort to re- duce single use plastic within the Burger King franchise. Burger King Malta felt the need to contribute towards this initiative together with sev- eral other countries. Unless re- quested by guests, Burger King will not be giving a straw and plastic lid with drinks served for consumption within the restaurant. On the other hand, straws will be given with drinks sold for take-away due to prac- tical reasons. Burger King urges its guests to join them in this meaningful journey. Kurt Micallef, Business Man- ager of Food Chain is proud to see Burger King Malta launch this campaign. "Being one of Malta's lead- ing Quick Service Restaurant brands we felt we had to act and contribute to the devastat- ing effect plastic is having on the environment," he said. "Our customers still have the option of requesting a straw, but we are noticing that many customers are willing to join us as we come together as a team and help to contribute in saving the planet one straw at a time." Burger King is operated in Malta by Food Chain Limited, a member of the Farsons Group, with outlets in Valletta, Pace- ville, Sliema, Mosta, Qormi and Malta International Airport.