Monday, 14 May 2007

Brunei Darussalam Welfare System

south east asia map

This post is originally intended as a continuation from about Brunei Darussalam, 'Wealthy Nation'... A friend of mine was rather interested in the Brunei Darussalam welfare syastem after watching the videos, and I decided to make a post on it and share only now...
Actually I realized not many people know where Brunei is located, including West Malaysians, much less realize that Brunei is a fully-fledged welfare state. As a sidenote, Asia does not have many welfare states, which includes Kuwait, South Korea, Japan, Saudi Arabia, and Brunei Darussalam is the only country with a generous welfare system among ASEAN members.

brunei map
 A larger version of the map of Brunei.
Brunei is approximately 10 times the size of Singapore, 
with an area of 5,765 km square, 
but only has a population of approximately 380,000.

Brunei's welfare system can be summed up in 2 words: OIL & GAS!!! At the turn of 20th century, Brunei was an economic backwater relying on agriculture and fishing, until the oil struck in Seria on 5th April 1929 transformed Brunei into one of the most prosperous nation in the region.

Since then, money began piling up, and there wasn't a fast enough way to spend it. In 1955, the then Al-Marhum Sultan Haji Omar Ali Saifuddien III, 28th Sultan of Brunei, promulgated Brunei's welfare model in the First National Development Plan (NDP), catching the people in the country by surprise.


 The Billionth Barrel Monument in Seria
                         The Billionth Barrel Monument in Seria and a nodding donkey beside it

Brunei provides generous welfare benefits for her citizens and residents. Note there is a clear distinction between citizens and residents in many aspects, that'll be another post for another day. 
 The Brunei citizenship benefits, The welfare includes:
  • NO TAXES: Brunei does not require her citizens and residents to pay any form of taxes to finance the welfare benefits of the state. There are NO income tax, NO Goods & Services Tax (GST) or Value-Added Tax (VAT), NO licence fees for television sets etc. The only tax I remember paying for was the Road Tax for our cars.
  • FREE EDUCATION: Brunei citizens enjoy the privilege of free education in public schools in the Sultanate from primary level right up to tertiary level. Promising students are sent abroad to UK and Australia on Brunei Darussalam Government scholarship. On top of that, the government generously provides an allowance of SGD1000 per tertiary student per month, regardless of whether they are in local or overseas tertiary institutions. Unlike Malaysia, education in Brunei uses English as the medium of instruction and most students possess at least a GCE O Level or GCE A Level certificate.
  • FREE HEALTHCARE: Brunei citizens are entitled to free medical services. They do not have to pay for consultations with any doctors, nor do they have to pay for any operations or surgeries performed. However, Permanent Residents are required to pay a nominal consultation fee of a few dollars. In the case that a Brunei citizen requires a very specialized treatment that is not available in the Sultanate, he/she will be sent overseas to Singapore or UK to receive treatment, being that all expenses are borne by the government. Accompanying family members also have their expenses paid for by the government. For expecting mothers, pre-natal checks are completely free. After birth, the government would generously provide free milk powder and tonics.
  • PENSION SCHEME: Since the First NDP in 1955, the government had placed a heavy emphasis on taking care of the elderly in the country. Pension rates had been revised recently, and all citizens and residents above the age of 60, are now entitled to SGD250 per month, funded directly from the government's coffer! On top of that, residents also have a Workers' Provident Fund, or what is locally known as Tabung Amanah Pekerja (TAP). Apart from that, widows, orphans and invalids are also entitled to handouts.
  • HOUSING SCHEMES/SKIM PERUMAHAN: Since independence in 1984, the government had been actively advocating a policy to ensure that everyone has a right to own a house. If you are a couple with no assets, you will be entitled to a free land with no strings attached. The government will even provide a very low interest loan to build your dream house. Civil servants, however, will be entitled to an interest-free loan instead. A typical house costs only around SGD100,000 to SGD200,000 to build. Otherwise, you can always opt for readily-built houses from the government, and if you are starting a family, you can pay interest-free installments of a few hundred dollars for over 10 to 20 years. Thereafter, the house is yours forever, unlike the 99-year HDB lease in Singapore and you can bequest it to your descendants. The benevolent monarch is so concerned about the housing welfare of his citizens/rakyats that he personally hand them the keys to their new house. Some pictures of houses in Brunei below:
 brunei Government Housing
  Government Housing - Ready-made units(left), Non-ready made(right)
  Private Houses in Kuala Belait
  Private Houses in Kuala Belait
  Private Houses in Kuala Belait
Another house - think is Perumahan in Kuala Belait

  • SUBSIDIZED PETROL AND AMENITIES: Many things that we Bruneian locals take for granted day to day are actually heavily subsidized by our dear government. Being an oil-producing country, we enjoy one of the lowest petrol prices in the region - SGD 0.53 per litre. For the same amount of petrol, Singapore costs around SGD 1.74 to SGD 1.90 and Malaysia costs approximately RM1.92. Apart from that, we also enjoy low water and electricity tariffs, prices which had been unchanged for the past 40 years since 1960s. With water tariffs as low as SGD0.11 per cubic meter, we have one of highest rate of water consumption per head in the region.
  • SUBSIDIZED FOOD: The Brunei government also attempts to make food cheap and affordable for all. The government imports plain fragrant rice from Thailand and sells to the population at cost price. As most food supplies in Brunei are imported, to offset the cost of imported food like beef and mutton, the government owned a huge cattle ranch in Wileroo, Darwin, Australia. The entire ranch is larger than the whole of Brunei, with an area of 5,859 square kilometers. This ranch is responsible for ensuring fresh beef and mutton supply to the Brunei populace at low price.
  • SHELL-FARE: Shell Petroleum Brunei Shell Petroleum Brunei is one of the largest employers in Brunei's labor market. It is actually also part of Brunei's welfare system, but under the disguise of corporate welfare. Shell in Brunei is like a mini-state of its own. It has its own recreation club (BSRC) and Health Center (with free dental) FOC for its employees and their dependants. Not only that, they even have provides their own housing for their employees (expats, BSP and BLNG staffs). Shell Brunei owns a myriad of houses around the district - from the Canadian Houses in Panaga (so called because the houses are Canadian-styled and timbers are imported from Canada) to housing estates beside the sea in Kuala Belait. Shell is concerned about welfare of its employees, and provides allowances such as housing allowances, transport allowances etc. If your dependants study in a private school, Shell will take care of your dependants school fees and education allowance.
  • FREE COOKING GAS & EXCELLENT ROADS: Cooking gas is absolutely free in Brunei, actually, in my town, Kuala Belait, and Seria probably. Due to close proximity to the oil fields in Seria and Shell in Panaga, cooking gas is actually PIPED into our kitchens! There is no need to purchase the cumbersome gas cylinders. Turn on the stoves as you would turn on a tap, and VOILA! We have got gas and currently it is still FOC! Since we are an oil producing nation, it is imperative the we have an abundance of asphalt - a by product of crude oil during refining. Apparently, the asphalt has to go somewhere, and thus we see new roads being built and roads/highways being paved and then re-paved from time to time. It would be a real challenge to find badly-weathered roads in major towns.
Roads: Highway leading to BSB(Left), Road to BSB(Belait)

Roads: Highway leading to BSB(Left), Road to BSB(Belait)
  • FINANCIAL BAIL OUT: There are cases where people who had gotten themselves into debt got bailed out by the government. I remember reading somewhere that, for some unknown reasons if you took out some loans financing your studies abroad and somehow managed to convince the authorities that you are unable to repay your loans/debts, the government can lend a helping hand and bail you out of your debts. However, whether this bailing comes with any ensuing conditions or not I do not know.
Despite being a welfare nation, Brunei does not readily give handouts to unemployed masses. This is to prevent corroding the work ethics of the society and to ensure that no one fall one into welfare trap - whereby people live on welfare handouts than be gainfully employed.

The above list is most probably not be a comprehensive list of the Brunei welfare. There could be other welfare benefits which I am not aware of.

Sometimes, I feel lucky to be born in Brunei, though I am not a citizen YET. Probably won't be blogging till next Wednesday, after I finished my first exam - Advanced Data Management. Wish me luck!!!

source :
http://ykwang84.blogspot.com/2007/04/steady-welfarism.html

47 comments:

  1. Well, the welfare can be summed up in 2 words that is Free and Subsidised like you said. Oil and gas is the summed up of Revenue.
    Dr consultations do cost $1.

    Nice read, again. Good luck for your exam.

    ReplyDelete
    Replies
    1. $$$ GENUINE LOAN WITH LOW INTEREST RATE APPLY $$$
      Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.
      Email: shadiraaliuloancompany1@gmail.com

      LOAN APPLICATION DETAILS.
      First Name:
      Last Name:
      Date Of Birth:
      Address:
      Sex:
      Phone No:
      City:
      Zip Code:
      State:
      Country:
      Nationality:
      Occupation:
      Monthly Income:
      Loan Amount:
      Loan Duration:
      Purpose of the loan:
      Email: shadiraaliuloancompany1@gmail.com

      Delete
  2. Thanks for comments at "Just Share Everything about Brunei Darussalam - Brunei share in virtual Blogs"

    ReplyDelete
  3. Do you need a Loan?
    Are you looking for Finance?
    Are you looking for a Loan to enlarge your business?
    I think you have come to the right place.
    We offer Loans atlow interest rate.
    Interested people should please contact us on
    For immediate response to your application, Kindly
    reply to this emails below only.
    mohamendloanservice@gmail.com

    Please, do provide us with the Following information if interested.

    1) Full Name:.........
    2) Gender:.........
    3) Loan Amount Needed:.........
    4) Loan Duration:.........
    5) Country:.........
    6) Home Address:.........
    7) Mobile Number:.........
    8)Monthly Income:.....................
    9)Occupation:...........................
    )Which site did you here about us.....................

    Thanks and Best Regards.
    mohamendloanservice@gmail.com

    ReplyDelete
    Replies
    1. Hello Everybody,
      My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

      LOAN APPLICATION INFORMATION FORM
      First name......
      Middle name.....
      2) Gender:.........
      3) Loan Amount Needed:.........
      4) Loan Duration:.........
      5) Country:.........
      6) Home Address:.........
      7) Mobile Number:.........
      8) Email address..........
      9) Monthly Income:.....................
      10) Occupation:...........................
      11)Which site did you here about us.....................
      Thanks and Best Regards.
      Derek Email osmanloanserves@gmail.com

      Delete
  4. Such a good place to live
    http://goo.gl/jyzeOA

    ReplyDelete
  5. Attention:
    Do you need cash to settle you debts and solve other financial problems? search no more because we are currently giving out loan to individuals and companies at 2% interest rate...Reply back to us so that we can furnish you with more information on getting a loan.
    NOTE: All Responses should be forwarded to: ( lim.koh56@yahoo.com ) for quick processing,even if you have bad credit your loan will still be 100% approved.
    Thanks and God bless you.
    Regards,
    Lim Financial Services...

    ReplyDelete

  6. A licensed Loan Lender, We offer Affordable Loan at 3% interest rate available for local and international borrowers, Are you seriously interested in getting a genuine Loan without stress? Do you need this Loan for business and to clear your bills? Then send us an email now for more details via:(majidvijahlending@gmail.com)

    LOAN APPLICATION FORM.

    (1)Full Name:
    (2)Country:
    (3)State:
    (4)Address:
    (5)Sex:
    (6)Occupation:
    (7)Amount needed:
    (8)Loan duration:
    (9)Loan purpose:
    (10)Telephone

    Email Us:(majidvijahlending@gmail.com)

    ReplyDelete

  7. Do you need a Loan?
    Are you looking for Finance?
    Are you looking for a Loan to enlarge your business?
    I think you have come to the right place.
    We offer Loans at low interest rate.
    Interested people should please contact us on
    For immediate response to your application, Kindly
    reply to this emails below only:
    mohamendloanservice@gmail.com

    Please, do provide us with the Following information if interested.
    LOAN APPLICATION INFORMATION FORM
    First name:
    Middle name:
    Date of birth (yyyy-mm-dd):
    Gender:
    Marital status:
    Total Amount Needed:
    Time Duration:
    Address:
    City:
    State/province:
    Zip/postal code:
    Country:
    Phone:
    Mobile/cellular:
    Monthly Income:
    Occupation:
    Which sites did you know about us.....
    mohamendloanservice@gmail.com

    http://mohammedloanserviceplc.gnbo.com.ng

    ReplyDelete
  8. It's was nice to live in there

    ReplyDelete

  9. I am a private loan lender which have all take to be a genuine lender i give out the best loan to my client at a very convenient rate.The interest rate of this loan is 3%.i give out loan to public and private individuals.the maximum amount i give out in this loan is $1,000,000.00 USD why the minimum amount i give out is 5000.for more information contact us email
    Your Full Details:
    Full Name :………
    Country :………….
    state:………….
    Sex :………….
    Address............
    Tel :………….
    Occupation :……..
    Amount Required :…………
    Purpose of the Loan :……..
    Loan Duration :…………
    Phone Number :………
    Contact email:fasterloancredite@gmail.com

    ReplyDelete

  10. Do you need personal loan? Does your firm,company or industry need financial assistance? Do you need finance to start your business? Do you need finance to expand your business? We give out loan to interested individuals who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us at Email:
    APPLICATION DETAILS
    Your Full Details:
    Full Name:
    Loan Amount Need:
    Loan Duration:
    Phone Number:
    Applied before?
    State:
    Monthly Income:
    Country:
    You are to send this to our Company Email;fasterloancredite@gmail.com

    ReplyDelete
  11. Hallo,

    How about foreigner, i am about to move to brunei, and looking for information of medical cost for foreigner, doctor especially giving birth.. appreciate if someone can share..thanks

    ReplyDelete
  12. Hello,
    Are you in need of urgent financial assistance for a personal purpose or for your business needs? Here is some good news for you. We offer loans to individuals or corporate firms at the lowest annual percentage rate.
    Contact us today to get:-
    *Hard Money Loans
    *Business Loan
    *Debt Consolidation Loan
    *Personal Loan
    *Business Expansion Loan
    *Student Loan
    *Agricultural Development Loan
    ...And Lots more
    Email: arabicloan11@yahoo.com

    ReplyDelete
  13. Hello,
    Are you in need of urgent financial assistance for a personal purpose or for your business needs? Here is some good news for you. We offer loans to individuals or corporate firms at the lowest annual percentage rate.
    Contact us today to get:-
    *Hard Money Loans
    *Business Loan
    *Debt Consolidation Loan
    *Personal Loan
    *Business Expansion Loan
    *Student Loan
    *Agricultural Development Loan
    ...And Lots more
    Email: arabicloan11@yahoo.com

    ReplyDelete

  14. Do you need a loan to consolidate your debt? Are you in need of a loan
    to finance or expand your business? or for car purchase, buying a
    house and other personal loans ETC we give long term loan for five to
    fifty years maximum with 3% interest. You are 100% Guaranteed.
    contact us via email reply to email (urgentloan22@gmail.com)
    BORROWERS APPLICATION DETAILS:
    Full Name:________________________
    Country:_________________________
    State:__________________________
    Sex:____________________________
    Date of Birth:______________________
    Home Address:______________________
    Amount Needed:______________________
    Loan Duration:_______________________
    Cell Phone:_________________________
    Monthly income:____________________
    Purpose for Loan:___________________
    Occupation:_________________________

    ReplyDelete
  15. Hello,
    Are you in need of urgent financial assistance for a personal purpose or for your business needs? Here is some good news for you. We offer loans to individuals or corporate firms at the lowest annual percentage rate.
    Contact us today to get:-
    *Hard Money Loans
    *Business Loan
    *Debt Consolidation Loan
    *Personal Loan
    *Business Expansion Loan
    *Student Loan
    *Agricultural Development Loan
    ...And Lots more
    Email: arabicloan11@yahoo.com

    ReplyDelete
  16. Loan offer between particular

    However, you need to finance the project you crave and that care you about or pay small money worries looming over you. Rejoice, because this should no longer pose a problem. Enjoy now an exceptional rate of 2% for the end of this year. Because we are a Financial Institution that can help you fix your financial worries.

    E-mail:sarayool2017@gmail.com
    sarayool2017@gmail.com

    ReplyDelete

  17. Do you need Personal Loan?
    Business Cash Loan?
    Unsecured Loan
    Fast and Simple Loan?
    Quick Application Process?
    Approvals within 24-72 Hours?
    No Hidden Fees Loan?
    Funding in less than 1 Week?
    Get unsecured working capital?
    Contact Us At :oceancashcapital@gmail.com
    Website http://oceancashmj.com
    Phone number :+1-6474-864-724 (Call/Whats app)

    LOAN SERVICES AVAILABLE INCLUDE:
    ================================
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Acquisition Loans .
    *Construction loans.
    *Business Loans And many More:

    LOAN APPLICATION FORM:
    =================
    Full Name:................
    Loan Amount Needed:.
    Purpose of loan:.......
    Loan Duration:..
    Gender:.............
    Marital status:....
    Location:..........
    Home Address:..
    City:............
    Country:......
    Phone:..........
    Mobile / Cell:....
    Occupation:......
    Monthly Income:....

    Contact Us At :oceancashcapital@gmail.com
    Website http://oceancashmj.com
    Phone Number:+1-6474-864-724 (Call/Whats app)

    ReplyDelete
  18. How I Got My Loan From A Genuine And Reliable Loan Company

    My name is Mrs SMITH STEPHANIE. I live in Malaysia and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $100,000,00 and was scammed by those fraudulent lenders and a friend introduce me to MR BRAHIM MUSA,and he lend me the loan without any stress,you can contact him at(powerfinance7@gmail.com)

    1. Your Full names:_______
    2. Contact address:_______
    3. Country Of Residence:______
    4. Loan Amount Required:________
    5. Duration:_____
    6. Gender:_____
    7. Occupation:________
    8. Monthly Income:_______
    9. Date Of Birth:________
    10.Telephone Number:__________

    Regards.
    Managements
    Email Him at: powerfinance7@gmail.com

    ReplyDelete
  19. My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com)

    ReplyDelete
  20. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact DrJubrin Mohamed Email:(jubrinfinance333@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS

    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact:jubrinfinance333@gmail.com

    ReplyDelete
  21. Hello all,

    Apply for a quick and convenient loan to pay off your bills and to start up a new business and your project at an interest rate of 2% contact us at ; (frankdavisloanfirm@yahoo.com)

    Regards.

    Mr Frank Davis

    ReplyDelete
  22. $$$ GENUINE LOAN WITH LOW INTEREST RATE APPLY $$$
    Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.
    Email: shadiraaliuloancompany1@gmail.com

    LOAN APPLICATION DETAILS.
    First Name:
    Last Name:
    Date Of Birth:
    Address:
    Sex:
    Phone No:
    City:
    Zip Code:
    State:
    Country:
    Nationality:
    Occupation:
    Monthly Income:
    Loan Amount:
    Loan Duration:
    Purpose of the loan:
    Email: shadiraaliuloancompany1@gmail.com

    ReplyDelete
  23. Good day my Dear brothers and sisters, I am a Reputable, Legitimate & an accredited money Lender. I loan money out to individuals in need of financial assistance. Do you have a bad credit or you are in need of money to pay bills? i want to use this medium to inform you that i render reliable assistance as I'll be glad to offer my Services which include;*Refinance *Home Improvement*Auto Loans*Debt Consolidation *Line of Credit*Second Mortgage*Business Loans*Personal Loans*International Loans If interested kindly apply via email;. Upon Response, you'll be mailed a Loan application form to fill.(No social security and no credit check,100% Guaranteed!) I Look forward permitting me to be at your service Contact us via email:erivanloancompany@yahoo.com

    ReplyDelete
  24. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:{urgentloan22@gmail.com} Thank you.

    ReplyDelete
  25. PACIFIC LOAN SERVICE
    ===============================
    This is a Christian Organization formed to help people in need of
    help, such as financial help. and help them out of their financial
    crises. If you are short of cash and in need of financial assistance
    PACIFIC LOAN SERVICE is the best solution.
    We make applying and qualifying for a loan quick, easy and painless.
    Our payday loans IS a fast and easy way of obtaining the emergency cash fast!
    DO YOU NEED A LOAN TO PAY BILL?
    DO YOU NEED FINANCIAL ASSISTANCE?
    Do you need a personal loan to secure a home?
    OUR. VISION IS TO MEET YOUR FINANCIAL PROBLEMS BY OFFERING YOU LOAN.
    If you are faced with stress in the acquisition of a loan that make
    you .Have sleepless night? Or you have been disappointed by your bank?
    PACIFIC LOAN SERVICE is here WIPE YOUR TEARS AWAY.
    ======================
    If you are having any stress in obtaining a loan from your local
    banks and finance kindly fill the application and send to our
    ============================
    APPLICATION FORM
    PREFIX {MR.,MRS.,MS.,DR.,etc.}
    1)YOUR NAME......................
    2)YOUR COUNTRY...................
    3)YOUR OCCUPATION................
    4)YOUR MARITAL STATUS............
    5)PHONE NUMBER...................
    6)MONTHLY INCOME.................
    7)ADDRESS........................
    8)PURPOSE OF LOAN................
    9)LOAN REQUEST...................
    10)TELEPHONE.....................

    If you are interested and you want to obtain a loan from
    PACIFIC LOAN SERVICE, kindly fill the application
    form and reply us through our email pacificloanservice@gmail.com

    THANKS AND REGARDS

    ReplyDelete
  26. PACIFIC LOAN SERVICE
    ===============================
    This is a Christian Organization formed to help people in need of
    help, such as financial help. and help them out of their financial
    crises. If you are short of cash and in need of financial assistance
    PACIFIC LOAN SERVICE is the best solution.
    We make applying and qualifying for a loan quick, easy and painless.
    Our payday loans IS a fast and easy way of obtaining the emergency cash fast!
    DO YOU NEED A LOAN TO PAY BILL?
    DO YOU NEED FINANCIAL ASSISTANCE?
    Do you need a personal loan to secure a home?
    OUR. VISION IS TO MEET YOUR FINANCIAL PROBLEMS BY OFFERING YOU LOAN.
    If you are faced with stress in the acquisition of a loan that make
    you .Have sleepless night? Or you have been disappointed by your bank?
    PACIFIC LOAN SERVICE is here WIPE YOUR TEARS AWAY.
    ======================
    If you are having any stress in obtaining a loan from your local
    banks and finance kindly fill the application and send to our
    ============================
    APPLICATION FORM
    PREFIX {MR.,MRS.,MS.,DR.,etc.}
    1)YOUR NAME......................
    2)YOUR COUNTRY...................
    3)YOUR OCCUPATION................
    4)YOUR MARITAL STATUS............
    5)PHONE NUMBER...................
    6)MONTHLY INCOME.................
    7)ADDRESS........................
    8)PURPOSE OF LOAN................
    9)LOAN REQUEST...................
    10)TELEPHONE.....................

    If you are interested and you want to obtain a loan from
    PACIFIC LOAN SERVICE, kindly fill the application
    form and reply us through our email pacificloanservice@gmail.com

    THANKS AND REGARDS

    ReplyDelete
  27. PACIFIC LOAN SERVICE
    ===============================
    This is a Christian Organization formed to help people in need of
    help, such as financial help. and help them out of their financial
    crises. If you are short of cash and in need of financial assistance
    PACIFIC LOAN SERVICE is the best solution.
    We make applying and qualifying for a loan quick, easy and painless.
    Our payday loans IS a fast and easy way of obtaining the emergency cash fast!
    DO YOU NEED A LOAN TO PAY BILL?
    DO YOU NEED FINANCIAL ASSISTANCE?
    Do you need a personal loan to secure a home?
    OUR. VISION IS TO MEET YOUR FINANCIAL PROBLEMS BY OFFERING YOU LOAN.
    If you are faced with stress in the acquisition of a loan that make
    you .Have sleepless night? Or you have been disappointed by your bank?
    PACIFIC LOAN SERVICE is here WIPE YOUR TEARS AWAY.
    ======================
    If you are having any stress in obtaining a loan from your local
    banks and finance kindly fill the application and send to our
    ============================
    APPLICATION FORM
    PREFIX {MR.,MRS.,MS.,DR.,etc.}
    1)YOUR NAME......................
    2)YOUR COUNTRY...................
    3)YOUR OCCUPATION................
    4)YOUR MARITAL STATUS............
    5)PHONE NUMBER...................
    6)MONTHLY INCOME.................
    7)ADDRESS........................
    8)PURPOSE OF LOAN................
    9)LOAN REQUEST...................
    10)TELEPHONE.....................

    If you are interested and you want to obtain a loan from
    PACIFIC LOAN SERVICE, kindly fill the application
    form and reply us through our email pacificloanservice@gmail.com

    THANKS AND REGARDS

    ReplyDelete
  28. PACIFIC LOAN SERVICE
    ===============================
    This is a Christian Organization formed to help people in need of
    help, such as financial help. and help them out of their financial
    crises. If you are short of cash and in need of financial assistance
    PACIFIC LOAN SERVICE is the best solution.
    We make applying and qualifying for a loan quick, easy and painless.
    Our payday loans IS a fast and easy way of obtaining the emergency cash fast!
    DO YOU NEED A LOAN TO PAY BILL?
    DO YOU NEED FINANCIAL ASSISTANCE?
    Do you need a personal loan to secure a home?
    OUR. VISION IS TO MEET YOUR FINANCIAL PROBLEMS BY OFFERING YOU LOAN.
    If you are faced with stress in the acquisition of a loan that make
    you .Have sleepless night? Or you have been disappointed by your bank?
    PACIFIC LOAN SERVICE is here WIPE YOUR TEARS AWAY.
    ======================
    If you are having any stress in obtaining a loan from your local
    banks and finance kindly fill the application and send to our
    ============================
    APPLICATION FORM
    PREFIX {MR.,MRS.,MS.,DR.,etc.}
    1)YOUR NAME......................
    2)YOUR COUNTRY...................
    3)YOUR OCCUPATION................
    4)YOUR MARITAL STATUS............
    5)PHONE NUMBER...................
    6)MONTHLY INCOME.................
    7)ADDRESS........................
    8)PURPOSE OF LOAN................
    9)LOAN REQUEST...................
    10)TELEPHONE.....................

    If you are interested and you want to obtain a loan from
    PACIFIC LOAN SERVICE, kindly fill the application
    form and reply us through our email pacificloanservice@gmail.com

    THANKS AND REGARDS

    ReplyDelete
  29. Do you need Finance?
    Are you looking for Finance?
    Are you looking for a money to enlarge your business?
    We help individuals and companies to obtain loan for business
    expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 3%, Do you need this cash/loan for business and to clear your bills? Then send us an email now for more information contact us now via Email:maxcreditfinance@googlemail.com

    ReplyDelete
  30. Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate.If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever.Just give us a try,because a trial will convince you.What are your Financial needs?Do you need a business loan?Do you need a personal loan?Do you want to buy a car?Do you want to refinance?Do you need a mortgage loan?Do you need a huge capital to start off your business proposal or expansion? Have you lost hope and you think there is no way out, and your financial burdens still persists? Contact us (gaincreditloan1@gmail.com)

    Your Name:...............
    Your Country:...............
    Your Occupation:...............
    Loan Amount Needed:...............
    Loan Duration...............
    Monthly Income:...............
    Your Telephone Number:.....................
    Business Plan/Use Of Your Loan:...............
    Contact Us At : gaincreditloan1@gmail.com
    Phone number :+44-75967-81743 (WhatsApp Only)

    ReplyDelete
  31. My Name is Mrs Angel Mariana. I live in Portugal and i am a very happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.They gave me and my family happiness, i was in need of a loan of €150,000.00 to start my life all over as a widowed with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of €150,000.00, They are indeed GOD fearing People, A reputable loan company.

    I am very happy i got my loan from them last week. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs Angel Mariana directed you to them. contact via E_mail: marysmartservice@yahoo.com

    Mrs Angel Mariana

    Testimony on how i got my loan

    ReplyDelete
  32. My Name is Mrs Angel Mariana. I live in Portugal and i am a very happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.They gave me and my family happiness, i was in need of a loan of €150,000.00 to start my life all over as a widowed with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of €150,000.00, They are indeed GOD fearing People, A reputable loan company.

    I am very happy i got my loan from them last week. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs Angel Mariana directed you to them. contact via E_mail: marysmartservice@yahoo.com

    Mrs Angel Mariana

    Testimony on how i got my loan

    ReplyDelete
  33. We Offer Loan At A Very Low Rate Of 3%. If Interested, Kindly Contact Us Now.email us now reply to email (urgentloan22@gmail.com)

    LOAN APPLICATION FORM [Fill and Return]

    1. Full Names:------
    2. Country:-----------
    3. State:---------------
    4. Contact Address:-------
    5. Loan Amount Needed:------
    6. Duration of the Loan--------
    7. Monthly Income:----------------
    8. Direct Telephone Number:-----------
    Have you applied for loan online before (yes or no)

    EMAIL: {urgentloan22@gmail.com}
    Best Regards.

    ReplyDelete
  34. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  35. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  36. Are you seriously in need of a loan? do you believe there is still genuine and reliable lender? what is your financial stress? Personal loan, Company loan, Business loan, Student loan. There is a cheap offer here with 2.5% interest Rate avail unsecured Loan. Contact for genuine purpose. and you shall find loan here. good services well reliable apply for quick Loan. how serious are you being in need of a Loan. Were you disappointed before has it failed when you first tried? don't give up, keep hoping. Find good services here, that we interest you! suit your budget do you wish a loan urgent and very fast. unsecured and secured Loan Contact Us:Email:(royaleviewloanservice@gmail.com)

    ReplyDelete
  37. Do you need a loan? or in need of financial help? we offer loan from the range of $3,000 to $10,000,000 to individual and co- operate bodies in need of financial assistance, Application are available for applicant over 18 years only. contact us by email via royaleviewloanservice@gmail.com if interested in a fast and easy loan at a low and affordable interest rate of 2.5% per annul.

    BORROWER DATA.
    Full Name:_________________________
    Loan Amount Needed:________________
    Purpose of loan:___________________
    Loan Duration:_____________________
    Gender:____________________________
    Age:_______________________________
    Address:______________________
    City:______________________________
    Country:___________________________
    Phone Number:_________________
    Occupation:________________________
    Monthly Income:____________________

    You are to contact us true our Company E mail: royaleviewloanservice@gmail.com

    Mr Mohammed Abdul

    ReplyDelete

  38. Dear Customers,

    Business-Capital-Experts
    The area we specialize on: Business start-up, business developments, business expansion, investment funding, Project funding, Franchise Funding and working Capital loan ILM.) Ranging from (20,000.00 to 10,Million Maximum IM-Euro,Usd,Pounds) Our funding sources specialize in creative solutions to meet your needs. We want to satisfy our customers’ financial needs and help them succeed financially, When Bank Say No-We Say Yes With Fast Process and Instant Approval.

    @2% interest rate
    Flexible repayment
    1 to 25 years duration
    Contact details
    Email: capitalfundingsolutinfo@gmail.com

    ReplyDelete
  39. Hello Everybody,
    My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

    LOAN APPLICATION INFORMATION FORM
    First name......
    Middle name.....
    2) Gender:.........
    3) Loan Amount Needed:.........
    4) Loan Duration:.........
    5) Country:.........
    6) Home Address:.........
    7) Mobile Number:.........
    8) Email address..........
    9) Monthly Income:.....................
    10) Occupation:...........................
    11)Which site did you here about us.....................
    Thanks and Best Regards.
    Derek Email osmanloanserves@gmail.com

    ReplyDelete
  40. Do you need an urgent loan? We offer loans with a low interest rate.
    Whatever your circumstances,business loan, person loan, have a poor credit rating,
    contact for more info :unityfirmfinancialhelp@gmail.com
    Full Names:
    Date of Birth:
    Amount Needed:
    Purpose for Loan:
    Duration:
    Country:
    Mobile:
    The site you found our advert:
    Regards,
    On-line Advertiser/Announcer
    unityfirmfinancialhelp@gmail.com
    Unity Firm Financial Help

    ReplyDelete
  41. LOAN OFFER APPROVED IN 60MINS !!

    Hello, Do you need a loan from The most trusted and reliable company
    in the world? if yes then contact us now for we offer loan to all
    categories of seekers be it companies or for staff usage. We offer
    loan at 3% interest rate, Contact us via email:
    trustedbusiness01@gmail.com

    (1) Full Name
    (2) Full Address
    (3) Country
    (4) Age
    (5) Occupation
    (6) Tell phone number
    (7) Sex:
    (8) Loan Amount needed:
    (9) Loan Duration

    Email us at: trustedbusiness01@gmail.com

    ReplyDelete


  42. Hello, Do you need a loan from The most trusted and reliable company
    in the world? if yes then contact us now for we offer loan to all
    categories of seekers be it companies or for staff usage. We offer
    loan at 3% interest rate, Contact us via email:
    trustedbusiness01@gmail.com

    (1) Full Name
    (2) Full Address
    (3) Country
    (4) Age
    (5) Occupation
    (6) Tell phone number
    (7) Sex:
    (8) Loan Amount needed:
    (9) Loan Duration

    Email us at: trustedbusiness01@gmail.com

    ReplyDelete
  43. My name is Charles David,I am a Citizen Of USA.Have you been looking for a loan?Do you need an urgent personal or business loan?contact Mr James Eric Finance Home he help me with a loan of $320.000 some days ago after been scammed of $4500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $320.000.Feel free to contact the company for a genuine financial service. Email:{urgentfastloan@gmail.com}

    LOAN APPLICATION FORM:

    Full Name:................
    Loan Amount Needed:.
    Purpose of loan:.......
    Loan Duration:..
    Gender:.............
    Marital status:....
    Location:..........
    Home Address:..
    City:............
    Country:......
    Phone:..........
    Mobile / Cell:....
    Occupation:......
    Monthly Income:....
    Website You Heard About Us?......
    Email Him at: (urgentfastloan@gmail.com)

    ReplyDelete
  44. Are you looking for a Genuine and reliable Supplier of Russian Origin Products? Worry no more as Krivtsov Oil Consultant have Available FOB Rotterdam for JP54,JA1,D2, D6 and CIF Rotterdam for;
    Russia D2 Gas Oil....
    JP54 Aviation Fuel Colonial Grade 54...
    D6 Virgin Fuel Oil....
    Russian Mazut M100 10585-75/99...
    LPG (Liquefied Petroleum Gas)...
    Russia Export Blend Crude...
    SN 500 BASE OIL...
    UREA 46%...
    CST–180 FUEL OIL...
    Bitumen grade(s) 40/50, 60/70, 80/100, 85/100...
    HSD2 Gas Oil L-0.2-62 Gost 305-82 AGO (Automotive)...
    Ultra Low Sulfur Diesel EN590...
    with good and workable procedure,whereby buyer will dip test in seller tank. Kindly Contact us via (Krivtsovoilconsultant@yandex.ru) for SCO.
    Regards
    Krivtsov Afanasy
    4 Blvd. Kirishi, Leningrad Region Russia 187110
    E-mail: Krivtsovoilconsultant@yandex.ru
    Email: krivtsovoilgasconsultant@mail.ru
    Skype: krivtsovoilandgasconsultant

    ReplyDelete

LinkWithin

Related Posts Plugin for WordPress, Blogger...