Types of Loan

GTB has been providing loans through bank branches across the nation to both corporates and consumers, and the types of loan are presented hereunder.

(1) Overdraft Loan

GTB has been issuing the overdraft loans in accord with the instructions of the Central Bank of Myanmar to fulfill the needs of the businesses requiring the Working Capital.

(2) Term Loan

According to Directive 7/2017 dated 24th November of 2017 issued by the Central Bank of Myanmar, GTB has been providing the term loans for a period of three years to enable extension of the business enterprises as well as to fulfill other requirements. The term loans can be repaid either lump sum or 20% of the principal as the first installment in the first year, another 20% as the second installment in the second year and the remaining 60% in the third year.

(3) Unsecured Loan

Commencing from May of 2020, GTB has been issuing the unsecured loans as a new type of loan in accordance with the instructions of the Central Bank of Myanmar with an annual interest rate in line with CBM’s interest rate amendment instruction for a term of one year. In addition to the secured term loan, the customers can apply for unsecured loans to extend their business activities and to raise fund for capital investment.

(4) Project Loan

GTB has also been providing project loans to the companies and individual customers who have won the tender for the projects being implemented with the funds of either the Union Government or the State/Region Governments. The loans are being issued by the branches with the approval of the GTB Head Office as well as in accord with the instructions of the Loan Department.

(5) Government Staff Loan

In July of 2017, GTB issued the government staff loan to the government employees (staff from education department and other departmental personnel) amounting to their three-month salary.

(6) Market Loan

GTB has also introduced a new loan called the Market Loan to the shopkeepers from within the bounds of the Development Department Areas in Regions and States. In so doing, GTB formulated projects to earn income from the Market Loan issued to the Shopkeepers.

(7) Hire Purchase Business

Beginning from May of 2012, the Global Treasure bank, in cooperation with the 11 major companies, has been engaged in sale of machinery, flats, home use cars, business use motor vehicles and construction machineries. Focus has been laid upon selling of home use vehicles and construction industry use heavy machineries. In 2024-2025 Financial Year, we got 156 customers, and earned a total income of Kyats 78.09 million from interest, service charges and sale commission.

(8) Home Loan

To enable those people who have regular income to buy a plot of land or land with building or a flat from a condominium of apartment, GTB, commencing from November of 2024, has been providing the home loans for 15 to 25 years term.

(9) Staff Loan

GTB has been issuing loans to finance the bank staff commencing from August 2022.

(10) Credit Card Loan

To be able to cope with the changing technology, GTB beginning from fiscal 2020-2021, has been providing credit card loans by issuing GTB UnionPay Single Brand Credit Card so that cash can be withdraw at the ATMs inside and outside the country and POS & Online payments can be made.

(10) Credit Card Loan

To be able to cope with the changing technology, GTB beginning from fiscal 2020-2021, has been providing credit card loans by issuing GTB UnionPay Single Brand Credit Card so that cash can be withdraw at the ATMs inside and outside the country and POS & Online payments can be made.

(10) Credit Card Loan

To be able to cope with the changing technology, GTB beginning from fiscal 2020-2021, has been providing credit card loans by issuing GTB UnionPay Single Brand Credit Card so that cash can be withdraw at the ATMs inside and outside the country and POS & Online payments can be made.