@extends('frontend.layouts.master')

@section('header')
    @include('frontend.layouts.header-layout.three')
@endsection

@section('contents') 
<!-- breadcrumb-area -->
<section id="hero" class="hero section dark-background">
  <div id="hero-carousel" class="carousel slide carousel-fade" data-bs-ride="carousel" data-bs-interval="5000">
    <div class="carousel-item active"> <img src="{{ asset('frontend/img/hero-carousel/overdraft-h.jpg') }}" alt="">
      <div class="carousel-container">
        <nav aria-label="breadcrumb">
          <ol class="breadcrumb text-white">
            <li class="breadcrumb-item"><a href="{{ route('home') }}">{{ __('Home') }}</a></li>
            <li class="breadcrumb-item" aria-current="page"><a href="">Account</a></li>
            <li class="breadcrumb-item active  text-white" aria-current="page">{{ __('Overdraft for Individual Accounts') }}</li>
          </ol>
        </nav>
        <h1 class="fw-bold hero-title fs-1">{{ __('Overdraft for Individual Accounts') }}</h1>
      </div>
    </div>
    <!-- End Carousel Item --> 
  </div>
</section>
<section id="open-peronalacc" class="open-peronalacc">
  <div class="container">
    <div class="row">
      <div class="col-12 col-md-4">
        <div class="text-md-end border-end border-2 pe-4 py-md-3" data-aos="fade-left" data-aos-delay="200">
          <h2 class=" mb-3  fw-bold"> Overdraft for Individual Accounts</h2>
        </div>
      </div>
      <div class="col-12 col-md-8">
        <div class="text-left mb-0" data-aos="fade-right" data-aos-delay="300">
          <p> This Key Facts Statement provides you with indicative information about the features, interest, fees and charges of this product, but please refer to BSI Offer Letter for the final terms of your Overdraft facility.</p>
        </div>
        <div class="mt-2">
          <div class=""><a href="#" class="btn btn-lg btn-blue fs-6 py-2 mb-3 aos-init aos-animate text-white" data-aos="fade-right" data-aos-delay="900">Open Account <i class="bi bi-arrow-up-right ms-2"></i></a></div>
        </div>
      </div>
    </div>
  </div>
</section>
<section id="teller-services" class="open-peronalacc pt-0">
  <div class="container card border-0 ">
    <div class="row gx-5">
      <div class="col-12">
        <div class="wrap-box border-bottom mb-5 aos-init aos-animate" data-aos="fade-up" data-aos-delay="350">
          <h4 id="teller" class="fw-bold py-3">Product Information </h4>
        </div>
      </div>
      <div class="col-md-4 my-4 my-md-0">
        <div class="wrap-box mb-4" data-aos="fade-up" data-aos-delay="500">
          <h6 class="fw-bold mb-3">Product Type</h6>
          <ul class="list-hero">
            <li><i class="bi bi-check2-circle me-2"></i> <span>An Overdraft facility is a credit agreement made with the Bank that allows an account holder to withdraw amount up to approved overdraft limit as decided by the Bank, even if there is no credit balance in the said account. </span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span>The Overdraft facility can only be offered to customers having valid residence visa against Fixed Deposit Under-lien. </span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span>The customers must be having a satisfactory AECB report to avail the facility.</span></li>
          </ul>
        </div>
        <div class="wrap-box mb-4" data-aos="fade-up" data-aos-delay="500">
          <h6 class="fw-bold mb-3">Overdraft Period</h6>
          <ul class="list-hero">
            <li><i class="bi bi-check2-circle me-2"></i> <span>Offered for maximum 12 months and may be renewed at the Bank’s discretion </span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span>In case customer wishes to terminate the facility, customer has to settle the outstanding overdraft amount plus accrued interest (if any) at any point in time.</span></li>
          </ul>
        </div>
        <div class="wrap-box mb-4" data-aos="fade-up" data-aos-delay="500">
          <h6 class="fw-bold mb-3">Collateral</h6>
          <ul class="list-hero">
            <li><i class="bi bi-check2-circle me-2"></i> <span>Fixed Deposit Under-lien </span></li>
          </ul>
        </div>
      </div>
      <div class="col-md-4 mt-4">
        <div class="wrap-box mb-4" data-aos="fade-up" data-aos-delay="500">
          <h6 class="fw-bold mb-3">Overdraft Currency</h6>
          <ul class="list-hero">
            <li><i class="bi bi-check2-circle me-2"></i> <span>AED (Arab Emirates Dirham)</span></li>
          </ul>
        </div>
        <div class="wrap-box mb-4" data-aos="fade-up" data-aos-delay="500">
          <h6 class="fw-bold mb-3">Interest Rate / Interest Pay time</h6>
          <ul class="list-hero">
            <li><i class="bi bi-check2-circle me-2"></i> <span> For Overdraft linked against Fixed Deposit under-lien, interest rate is maximum 3% above Fixed Deposit rate. </span></li>
            <li><i class="bi bi-check2-circle me-2"></i><span>(Interest Rate is fixed throughout the Overdraft validity period) </span></li>
            <li><i class="bi bi-check2-circle me-2"></i><span>Overdraft interest to be charged for utilized balances. </span></li>
            <li><i class="bi bi-check2-circle me-2"></i><span>Excess over limit – Higher interest rate to be charged on the amount exceeding the approved limit as per prevailing interest rate tariff sheet. </span></li>
            <li><i class="bi bi-check2-circle me-2"></i><span>Excess over limit amounts must be settled by the customer at the end of each month. </span></li>
          </ul>
        </div>
      </div>
      <div class="col-md-4">
        <div class="wrap-box mb-4 card bg-smlight p-4 border-0" data-aos="fade-up" data-aos-delay="400">
          <h6 class="fw-bold mb-3">Fees & Charges</h6>
          <div class="wrap-box mb-4" data-aos="fade-up" data-aos-delay="500">
            <h6 class="fw-bold mb-3">Commission / Processing Fees</h6>
            <ul class="list-hero">
              <li><i class="bi bi-check2-circle me-2"></i> <span> For Overdraft facility against Fixed Deposit under-lien: 0.1% (Min. AED 200.00, Max. AED 1,000.00) </span></li>
              <li><i class="bi bi-check2-circle me-2"></i><span>
                <p>All charges, commissions and fees mentioned are exclusive of 5% Value Added Tax (VAT). To review the latest Schedule of Charges please visit our website:</p>
                <p><a href="http://www.banksaderat.ae/">http://www.banksaderat.ae/</a></p>
                </span></li>
              <li><i class="bi bi-check2-circle me-2"></i><span>
                <p>If you have any queries, you are unsatisfied with our services or to report fraud / complaint / dispute, please contact our Customer Service on +971 4 6035267 or <a href="mailto:businesscare@bsi.co.ae">businesscare@bsi.co.ae</a></p>
                </span></li>
            </ul>
          </div>
        </div>
      </div>
    </div>
  </div>
</section>
<section id="teller-services" class="open-peronalacc pt-0 px-2">
  <div class="container card card-bg  p-5 border-0 rounded-4 overflow-hidden" style="background: url({{ asset('frontend/img/overdraft-bnnr.jpg') }}) 0 0 no-repeat; background-size: cover;">
    <div class="row gx-5" style="z-index: 9;">
      <div class="col-12">
        <div class="wrap-box border-bottom mb-0 aos-init aos-animate" data-aos="fade-up" data-aos-delay="350">
          <h4 id="teller" class="fw-bold py-3 text-white">Sample Illustration (for reference purpose only) </h4>
        </div>
      </div>
      <div class="col-md-4 my-4 my-md-0">
        <div class="wrap-box mb-0" data-aos="fade-up" data-aos-delay="500">
          <ul class="list-hero text-white">
            <li><i class="bi bi-check2-circle me-2"></i> <span><b>Fix Deposit Rate</b> 3.25% </span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span><b>Overdraft Interest Rate </b>6.25% (3% above Fixed Deposit rate) </span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span><b>Overdraft Facility </b> AED 20,000.00 </span></li>
          </ul>
        </div>
      </div>
      <div class="col-md-4 mt-md-4">
        <div class="wrap-box mb-4" data-aos="fade-up" data-aos-delay="500">
          <ul class="list-hero text-white">
            <li><i class="bi bi-check2-circle me-2"></i> <span><b>Amount Utilized </b> AED 10,000.00 </span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span><b>Interest Rate per annum (Fixed) </b> 6.25% </span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span><b>Computation on Interest Rate </b> Daily basis over the amount overdrawn </span></li>
          </ul>
        </div>
      </div>
      <div class="col-md-4">
        <div class="wrap-box mb-4" data-aos="fade-up" data-aos-delay="500">
          <ul class="list-hero text-white">
            <li><i class="bi bi-check2-circle me-2"></i> <span><b> Utilized Period in Days </b> 15 (number of calendar days the account has been overdrawn) </span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span><b> Total Interest Amount </b> AED 26.04 (Calculated based on number of days utilized) </span></li>
          </ul>
        </div>
      </div>
      <div class="col-12 my-md-0">
        <p class="text-center text-white  mt-5"><em>Interest is calculated daily and charged monthly using the formula: Overdraft daily Balance * Interest Rate * (1/360) for one day (as we follow 30/360 basis)</em></p>
      </div>
    </div>
  </div>
</section>
<section id="teller-services" class="open-peronalacc pt-0">
  <div class="container card p-5 border-0 bg-smlight rounded-4 container-md">
    <div class="row gx-5 mb-5">
      <div class="col-12">
        <div class="wrap-box border-bottom mb-5 aos-init aos-animate" data-aos="fade-up" data-aos-delay="350">
          <h4 id="teller" class="fw-bold py-3">Additional Information</h4>
        </div>
      </div>
      <div class="col-md-7">
        <div class="wrap-box mb-4 aos-init aos-animate" data-aos="fade-up" data-aos-delay="500">
          <ul class="list-hero">
            <li><i class="bi bi-check2-circle me-2"></i> <span>The Overdraft amount you are eligible for and the interest rate offered may differ from the representative example as shown above. This will depend on your credit profile and affordability assessment done by the Bank.</span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span>The processing of your application leading to the Overdraft limit setup into your account may take up to 10 business days from the time Bank receives complete documentation. </span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span>The Bank reserves the right to make permissible changes to the Terms and Conditions, including the applicable interest rate. You will be given 60 calendar days’ notice before such changes are implemented. </span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span>If Fixed Deposit interest rate changed during the Overdraft contract period, Bank reserves the right to revise the Overdraft Interest rate (not exceeding 3% over the Fixed Deposit rate). </span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span>In case you fail to fulfill your obligations as per the Terms and Conditions, before and during your relationship with us, there will be consequences including, but not limited to larger compounding interest payments, repayment on demand, blockage or cessation of this product / service, and / or penalties. </span></li>
            <li><i class="bi bi-check2-circle me-2"></i> <span>You will have 5 working days after acceptance of any offer to change your mind unless you have waived this right. If you waive the right to the Cooling Off, you will be bound by the conditions of the product immediately. </span></li>
          </ul>
        </div>
      </div>
      <div class="col-md-5 text-md-end my-4 my-md-0">
        <div class="img-wrap aos-init aos-animate" data-aos="fade-up" data-aos-delay="300"> <img src="{{ asset('frontend/img/wps-key.jpg') }}" alt="" class="img-fluid rounded-4"> </div>
      </div>
    </div>
  </div>
</section>
<!--  Marquee Area --> 
@include('frontend.partials.marquee')
@endsection
@section('footer')
    @include('frontend.layouts.footer-layout.two')
@endsection