Bank of Guam

Kain Oaru a Kampani a Bank of Guam

A Bank of Guam (BOG) se bank a maingong a oasr branches ke maingong ilong Fidireited Steits a Maikronisia (FSM). A bank se e pwarkak a kain pwarkak a loan a maingong, savings account, im kain oaru a digital banking a maingong a maingong a aramas im bisnis ilong fiti a Maikronisia. A bank se e oasr insurance ke FDIC a United States, pwisin kain oaru a kaisin bank a maingong a akos a aramas a maingong. Ilong fiti a states a FSM – Yap, Chuuk, Pohnpei, im Kosrae – BOG e toasr ke maingong a pwarkak a kain oaru a maingong a aramas a maingong.

Kain Oaru a Kain Kaingo Im Background

A Bank of Guam se bank a oasr ke Guam, e registered ke lo a Guam. Ilong FSM, e oasr lisens ke FSM Banking Board a toasr ke maingong. A bank se e kaingo ke ip a 1972 ke Jesus S. Leon Guerrero im Jose L.G. Untalan. A maingong a BOG e oasr ke BankGuam Holding Company. Kain oaru a maingong a BOG se e oaru a kain pwarkak a loan, savings, im mortgage banking a aramas a maingong, kain small-to-medium enterprises (SMEs), gofman, im kain oaru a remittens. A maingong a bank se e oaru a maingong a locals im akos a maingong a keik a community. A maingong a CEO a BOG se Joaquin R. L.G. Cook, im a Founder im Board Chair se Jesus S. Leon Guerrero.

Kain Loan Im Pwarkak

A BOG e oaru a kain pwarkak a credit a maingong, a fiti a kain pwarkak se e akos a kain oaru a maingong a aramas a maingong ilong FSM. Kain pwarkak se e fiti a loan a maingong, loan a im, im loan a bisnis. A kain pwarkak se e designed a akos a kain oaru a maingong a aramas, fiti a pwain a maingong im kain terms a maingong.

Kain Pwarkak a Loan a Bank of Guam

A BOG e oaru a kain pwarkak a loan a maingong, fiti a kain oaru a maingong a aramas a maingong.

Loan a Maingong

• Maingong Amount: A maingong amount a BOG e sa oaru a maingong, pwain se maingong a maingong a aramas a maingong.
• Kain Intris (APR): Kain intris e oasr ke market a maingong, pwain se oasr ke oaru a maingong. A BOG e oaru a kain intris a maingong a competitive, a pwain se e sa oaru a maingong.
• Kain Terms: A loan a maingong e oasr terms a maingong, a kain terms se e fiti a 12-60 months.
• Fees: A BOG e sa oasr application fee. Pwain se oasr late payment fees, a kain fees se e oasr ke account agreement.
• Collateral: Loan a maingong e sa oasr collateral (unsecured) o kaisin oasr (secured), kaisin a auto title loan.

Loan a Im (Mortgage)

• Kain Pwarkak: A BOG e oaru a fixed-rate home purchase im refinance.
• Maingong Amount: A maingong amount a BOG e sa oaru a maingong.
• Kain Terms: A kain terms a loan a im e oasr ke 30 years.
• Kain Intris (APR): Kain intris e oasr ke market a maingong, pwain se oasr ke oaru a maingong (estimated 7-8%, pwain se sa oaru a maingong).
• Fees: Oasr origination fee im closing costs, a kain costs se e oasr ke borrower.

Loan a Bisnis

• Kain Pwarkak: A BOG e oaru a kain pwarkak a loan a bisnis a maingong, fiti a inventory, real estate, working capital, equipment, im expansion financing.
• Maingong Amount: A maingong amount e sa oaru a maingong. Max amount e oasr ke borrower credit im collateral value.
• Kain Intris (APR): Kain intris e oasr ke market a maingong (estimated 6-10%, pwain se sa oaru a maingong).
• Kain Terms: A kain terms a loan a real estate e oasr ke 20 years. Kain terms a equipment im working capital e fiti a 5-7 years.
• Fees: A BOG e sa oasr application fee. Pwain se oasr documentation fee.
• Collateral: Business assets im personal guarantees.

Kain Oaru a Application Im Mobile App

Kain eot a loan ke Bank of Guam e oasr ke maingong, a kain eot se e fiti a kain oaru a maingong a digital im kain oaru a maingong a branch.

Eot a Application Im Kain Oaru

Kain application ke BOG e oasr ke maingong. Kain oaru a maingong a oasr ke application se e fiti a:

• ID verification: Passport o kaisin national ID.
• Proof of address: Kain oaru a maingong a oasr ke address a maingong.
• Income documentation: Kain oaru a maingong a oasr ke income a maingong.
• In-branch verification: Ilong branch, e oasr biometric o kaisin digital video verification.

A BOG e oasr kain credit officers ilong FSM a oaru a kain approval a maingong. A kain loan a maingong o kain loan a maingong a oasr collateral e oasr manual review.

Mobile App Im Kain Oaru a Kain Eot

A Bank of Guam e oasr mobile app a maingong a oasr ke iOS im Android. A mobile app se e oasr kain oaru a maingong a akos a aramas a maingong a keik a banking a maingong a digital.

• Kain Oaru: Mobile app e oaru a account balances, e-statements, secure messaging, remote deposit capture, im loan calculators.
• User Experience: A mobile app se e oasr rating a maingong (estimated 4.5/5), pwain se oasr kain complaints a login stability a maingong.
• Access: E oasr ke maingong a kain funds transfer, loan payment, im e-statements.

A kain oaru a digital a BOG e oasr ke maingong a aramas a maingong a keik a banking a maingong a digital, a kain oaru se e akos a aramas a maingong a kain transactions a maingong a keik a mobile phone o kaisin computer.

Leing a Lo, Kastama, Im Kain Oaru a Maingong

A Bank of Guam e oasr ke lo a maingong im e oasr ke maingong a aramas a maingong.

Kain Oaru a Leing a Lo Im Lisens

A BOG e lisens ke FSM Banking Board im e oasr ke FDIC coverage a United States. A primary regulator se FSM Banking Board, im secondary regulators se U.S. Federal Reserve im FDIC. A bank e oasr ke FSM Title 29 banking statutes im e oaru a AML/CFT policies. E sa oasr publicized regulatory fines o kaisin sanctions ilong FSM.

Kain Oaru a Kastama Im Market Position

A BOG se #1 o kaisin #2 commercial bank ke deposit share ilong FSM. A bank e oasr ke maingong a aramas a maingong, estimated 50,000+ customers ilong fiti a Maikronisia. A kain kastama se e fiti a SMEs, gofman employees, im retail consumers. Kain oaru a kastama e oasr ke maingong, kain oaru a keik a personalized service im responsiveness. Pwain se oasr kain complaints a digital login stability.

Kain Tuka Im Akos a Akos

Kain tuka a BOG ilong FSM e fiti a Bank of the FSM, regional credit unions, im remittance providers. A BOG e differentiate ke U.S. FDIC-insured deposits, multijurisdictional footprint, im community-bank service model. A BOG e oasr ke maingong a kain partnerships a maingong, fiti a GEDA a guaranteed SME lending.

Akos a Akos a Maingong

Maingong a kain borrower a maingong a Bank of Guam ilong FSM, kain oaru a maingong a maingong a akos a maingong a keik.

• Review Kain Pwarkak: Oaru a kain pwarkak a loan a maingong, fiti a loan a maingong, loan a im, im loan a bisnis. Choose a pwarkak a maingong a akos a kain oaru a maingong a maingong.
• Kain Intris Im Fees: Kaimo oaru a kain intris, fees, im kain terms. Compare a kain oaru a maingong a maingong a BOG a kain oaru a maingong a kain tuka. A kain intris se e oasr ke market a maingong, pwain se oasr kain fees a late payment.
• Kain Oaru a Application: Oaru a kain oaru a maingong a oasr ke application, fiti a ID, proof of address, im income documentation. Oaru a kain oaru a maingong a maingong a aramas a maingong a keik a application.
• Digital Banking: Use a mobile app a BOG a keik a kain transactions a maingong, check account balances, im oaru a loan payments. A kain oaru a digital e akos a maingong a kain transactions a maingong a keik a maingong.
• Contact Local Branches: A BOG e oasr branches ilong Yap, Chuuk, Pohnpei, im Kosrae. Kain relationship managers a locals e oasr ke maingong a akos a kain oaru a maingong, a kain oaru se e akos a maingong a kain questions a maingong.
• Kaimo Oaru a Kain oaru a maingong a maingong a maingong: A loan se commitment a maingong. Kaimo oaru a kain oaru a maingong a maingong a maingong a kain oaru a maingong a loan a maingong.

A Bank of Guam se kain oaru a maingong a aramas a maingong ilong FSM, a kain oaru se e akos a maingong a kain oaru a maingong a maingong. A kain pwarkak a loan a maingong, kain oaru a digital, im kain oaru a community e oasr ke maingong a BOG. Pwain se oaru a kain oaru a maingong a maingong a kain oaru a maingong, a kain oaru se e akos a maingong a kain oaru a maingong a maingong a maingong.