The Baytown Sun (Baytown, Tex.), Vol. 68, No. 4, Ed. 1 Sunday, November 5, 1989 Page: 7 of 24
twenty four pages : ill. ; page 18 x 11 in. Digitized from 35 mm. microfilm.View a full description of this newspaper.
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THE BAYTOWN SUN
Sunday, November 5, 1989
7-A
,, •. ........V ' >« . ' ' v , • ■ ' ’ .J\\ ; '
.0 n « .
%u Afraid
, j , . , ■ - , , , ‘ • ,
A 1
To Ask For
ALoan?
TakeTheLoanabilityTest.
* ' If the fear of the unknown is keeping you from a new car or
boat, a little help with someone’s education or a few improvements
around the house, we have something to qalmyour nerves.
It’s the Loanability Test from NCNB Texas. And, you can take it
right now - in private. It’s a great way to find out if you’re a good
prospect for a loan before you apply.
Just fill in the numbers that best describe your current situa-
tion. Then, add up your score. If you score 15 points or higher,
chances are, you’re in good shape to apply for a loan from NCNB
Texas. Of course, you should keep in mind that this test is for your
information only. And final approval is not guaranteed by any score
on this test. ,
A score of less than 15 does not mean you will be unable to
qualify. In fact, regardless of your score, you’re invited to submit an
application. -——
If that doesn’t cure your fear of applying for a loan, we bet this
will. Just bring in your completed test and you’ll receive up to one per;
centage point off the regular personal installment loan interest rate*
To find out how much you can save, come on in. Thanks to *.
NCNB Texas’ Loanability Test, there’s nothing to be afraid of.
Offer expires December 31,1989. Discount is applicable for all personal installment loans A
personal installment loan is defined as a banking center-originated, closed-end installment loan
used for personal purposes excluding first mortgages, lines of credit, revolving credit and loans,
assigned by third parlies. To claim interest rate discount, present completed teshin person to the-
designated employee at any NCNB Texas banking center. Loans are subject to credit approval
and normal credit standards will apply.
* Interest rate savings of one percentage point include: 1. Interest rate discount of 1/2 of a
percentage point for redeeming the NCNB Texas Loanability Test. 2. Additional savings of 1/4 of
a percentage point for Resource and Reward Plus customers. 3. Additional 1/4 of a percentage
point for automatic withdrawal of the payment from your NCNB Texas checking account.
•\ V V '
Save Up To One Percentage
■ Point Off The Regular
I Personal Installment Loan
Interest Rate With This Test.
I EXAMPLE: ■
Dependents (Include spouse and children)
Years with Present Employer
’ 2-3 yrs.
3
4-6 yrs.
4
[ 7-10yrs.
. 5
Over 10 yrs. ]
6 !
Years with Previous Employer
Under 1-3 yrs.
1 yr.
0 I 1
4-6 yrs.
, 2
7-10 yrs.
■' 4
Over 10 yrs.
5
I u?i<2.
_-.....QUIZ: _
Three | Four Five or More j
2 1 J_1
Monthly Income Remaining
(After monthly obligations)
10% to 25% to
24% 32%
2 . 3
33% tQ | Over
49% I 50%
4 I 5
Dependents (Include spouse and children)
One, | Two - | Three | Four FiveorMore
Bonus Points (Circle all that apply)
2
Checking
nMs
Savings
Acct with
NCNB Texas
Loan at I Loan at
NCNB Texas- i another bank j
~hr
s
With
Parents
1 ..
Rent I Rent
Furnished Unfurnished
2 3
your information only. It does not necessarily . JOTAL
ight we give to any factor. It also does not in- f—-—,———,
plude many of the factorsconsidered in evaluating a loan
reflect thewei_
iting a
regu&Uueh as paymenlhistoryand your ability to s<
Years at Present Address
Under . 2-4 yrs. I 5-8 yrs
2 yrs. \
.1. 2 -3
ir monthly obligations, Firial loan approval is not guaran-
9-14 yrs..
4
I5yrs, I J
,r more i L
5 r
Gross Monthly Income
! $i,ooo-
| 1,500
3
O . H ^
$2,001- ! $2,701- Over
2,700 I 3,500 j $3,500
5 ! 6 .! 7
Banking rrom ioju
J.
I
NCR'S |
Texas.
Banking From Yojtr Point Of Vie^^l
Member FDIC Equal Housing Lender ta) ©1989 NCNB Texas
' 4000 Garth Road. 422 8231
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Brown, Leon. The Baytown Sun (Baytown, Tex.), Vol. 68, No. 4, Ed. 1 Sunday, November 5, 1989, newspaper, November 5, 1989; Baytown, Texas. (https://texashistory.unt.edu/ark:/67531/metapth1052826/m1/7/: accessed June 22, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu.; crediting Sterling Municipal Library.