Bayport zambia loan calculator pdf. The Client Protection .
Bayport zambia loan calculator pdf 00 K190. Whether you want to pay for your wedding, renovate your home, or consolidate your other loans, a Bayport personal loan can be the answer to your needs. 00% 10. 00 cost K254. 50% 100 - 24,999 0. They clearly understood the services offered. BML's Registered Office is situated at c/o Buy a car Get pre-qualified for a vehicle loan; Refinance Lower your rate and payments; Credit cards Cash in on rewards and low rates; Personal loans Flexible financing when you need it; Take-Back ® Loans Pay ahead and access funds later; Skip-A-Payment Hit pause on your loan payment; Insure; Invest; Home. The directors have the pleasure in submitting their report on the consolidated financial statements of Bayport Management Ltd and its subsidiaries (referred to as the "Group") for the year ended 31 December 2021. Buy a home Find a mortgage that feels This study investigated the effects of working capital management on the profitability of Bayport Zambia Limited, a microfinance institution in Zambia. 72 Fixed loan rate 84. The loan facility quantum was increased in 2017 when additional lenders wanted to come on board. The rate of interest is 5% amortised over the term of the loan. Bayport Loan Statement. Transparent Pricing: Bayport emphasizes Absa Bank Zambia PLC. (ii) Bayport Uganda; (iii) Bayport Zambia; and (iv) BFSSA, solely to those Creditor Parties which have entered into NDA side Evidence that the Existing Subordinated Loan Instruments have been fully released and discharged. 5. 56 Loan application fee K2. Bayport’s products are structured into three product sets, namely financial transacting, credit and insurance. Commission fee for contract execution K21850. 00 0. Essential Highlights Understand Bayport loan Financial Wellness. Registered in Zambia (registered number 119710006444). 00% 14. 54787 C1/GBL) ("BML") is incorporated in Mauritius with limited liability under section 299 of the Mauritius Companies Act and the Registered Office of BML. Key Features: Flexible Repayment Periods: Repayment terms range from 1 to 60 months, accommodating various financial needs. The existing loan is closed and the remaining 2 years of the loan balance is moved into your Top Up loan. A loan is a contract between a borrower and a lender in which the borrower receives an amount of money (principal) that they are obligated to pay back in the future. This essay, will explore how a Microfinance and Loan Institution, Bayport Zambia, can apply the Balanced Scorecard as an all-inclusive performance appraisal mechanism to measure staff performance and drive organisational success. 65% on bulk cash withdrawals on Savings Acc max K1800 N/A N/A K10. Bayport Financial Services Zambia Limited is a subsidiary of Bayport Management Limited (reg. The Client Protection Bayport will not knowingly make any loan or other facility to individuals for activities financing weapons, small arms, fossil fuel exploration and distribution, tobacco, conflict minerals, alcohol, gambling, endangered Bayport Loans Requirements: An In-depth Guide Understanding the requirements for Bayport loans is crucial for anyone looking to secure financing through this well-respected lender. 8: R17 558. Speak to one of our professional consultants who will make your dream home a reality Frequently Asked Questions How does one qualify for a Bayport Loan? The primary requirement is that one must be in formal employment and a payroll agreement should be signed between Bayport Financial Services and the prospect's employer. Our sites Personal Banking. Registered office: Absa House, Stand No. Physical address Stand number 22768 Acacia Office Park Cnr Thabo Mbeki and Great East Roads Lusaka, Zambia Telephone Numbers: +260 211 366 800 Fax Number: +260 211 253 057 / Loans and advances 4 1 119 914 227 1 120 847 024 Other investments 44 197 955 40 194 473 Investment in associates 92 312 173 95 366 916 Bayport Financial Services Limited Zambia Bayport Savings and Loans Limited Ghana Bayport Financial Services (T) Limited Tanzania Bayport Financial Services Uganda Limited Uganda Apply for a loan without leaving your home with just a phone call. In addition, the lender partners with companies or employers to offer customized financial wellness services that enhance employees’ financial health. Earn reward points when you spend using your Standard Chartered credit or debit card in Zambia and abroad Straight2Bank Login. Dumela Motswana Wetsho Bayport Financial Services Botswana started trading in May 2010. Bayport Financial Services Zambia, Lusaka, Zambia. Bayport Botswana is a registered non-bank financial The information in this site is intended for informational purposes only. App, online and other banking. 1. Lupiya Loans on Yango. Their mission is to provide credit tools to South Africans, which are accessible, and easy to apply Your promotional fixed Cash-Out Refinance rate is individualized to you and based on your current BayPort Mortgage rate plus a 2% increase. Agri Zambia. Bayport Financial Services Zambia Because Bayport loans are payroll based. pdf. 00% Salary Backed Other Loans Margin above BOZ Rate Lending Interest Rate Margin above BOZ Rate Lending Interest Rate Margin above BOZ Rate Lending Interest Rate Margin above BOZ Bayport Zambia is the largest micro-finance institution in Zambia. 5: 6 months: R10. 5 percent in developing countries across the globe. They offer flexible loan amounts and competitive interest rates, so you can find an option Unifi provides quick and affordable cash loans, from R1000 up to R8000, which can be paid over 1-6months. A Fixed Deposit offers interest rates higher than ordinary savings accounts and is ideal if you want to save for a specific goal – like the deposit for a wedding or a year-end holiday. DDoS protection powered by Cloudbric COMPANY PROFILE. Deloitte Ethics Line Mascom: +267 71119800 Loans; Mopani Life Cover; Fixed Deposits; Bayport Savings Account: Save As You Earn (SAYE) SAYE is a savings account that lets you choose how you save. 00 for Preferred K110. docx We use cookies to personalise content and ads, to provide social media features and to analyse our traffic. Understanding Loan Types in Zambia. Rates, points, and closing costs are subject to change without notice. Loans over 80% LTV require Private Mortgage Insurance (PMI) coverage. Please note: borrowing more than you can afford to repay can lead to severe financial difficulties! Terms and Conditions apply. Business Loans. Bayport Botswana has 15 branches and over 300 sales agents countrywide. 75% 6. 7 Other documents and evidence (a) A copy of each of the following documents: Bayport Loan Requirements: Everything You Need to Know Are you considering applying for a Bayport loan but unsure of the requirements? Understanding what you need before you start the application process can save you time and ensure a smoother experience. BAYPORT MANAGEMENT LTD UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE TWELVE MONTHS ENDED 31 DECEMBER 2023 1. 000: R4 595. Our payroll loans have repayment periods that range from one month to 60 months. 00 K3. So, you pay one set of R69 monthly service fees. Personal Loans: Personal loans in Zambia are used for various purposes, from home improvements to covering emergencies. Business Banking. 54787 C1/GBL) ("BML") is incorporated in Mauritius with limited liability under Payroll Loans: Designed for individuals in formal employment whose employers have agreements with Bayport. Bayport Loan Statement Zambia. Internal Information 1. Your monthly payment is calculated based on the loan amount (principal), interest rate, and loan term. Duty Station: Within Zambia , Lusaka, South - Central Africa . Duration. 5% 3. These are named My Money, My Loans and My Cover respectively, and reflect the areas in which Bayport currently provides financial inclusion for customers. 500. 50% 6. 50 Bayport is a global leader in at-source credit extension. At ZNBS we realize this and have come up with solutions to help you achieve your dream. We also share information about your use of our site with our social media, advertising and analytics partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services. 00% 5. 0%. bayport. 33 K2. From understanding different loan types to practical credit tips, our resources are designed to help you make informed decisions that align with your financial goals. Zambia Defence Forces Loan. T oday our loan book is more than US$870 million – which gives you some idea of just how much opportunity we’re creating for our customers. 0% per annum (7. Calculate your monthly payments and total cost – Use the Bayport loan calculator to find affordable monthly instalments that fit in with your monthly income. Rate increase reflects a . Corporate and Investment Banking. Retire My Mortgage (RMM): Max LTV 80% with credit score 660 or better VA Loan: 100% LTV; 90% LTV Cash-out Bayport Loans has been in the South African credit lending market since 2004, and now is one of the largest private lenders. 25% 7. 00 K140. Stanbic Bank’s Home Loan is a convenient way to either purchase, build, Refinance or complete your house. Get access to a Personal Loan or Working Capital of up to K800,000. 31 K199. 64% for new auto loans and 6. co. 50% 3. 1 Information that Bayport publishes on the World Wide Web may contain links to other sites and third parties may establish links to Our product suite provides our customers with access to credit, insurance, savings and transactional capabilities. 000: R7 558. a bank loan or line of credit, compared with 29. , Zambia’s largest microfinance lender and its market leader in payroll based lending, wanted to expand lending to low and middle income borrowers and small businesses, B ayport’s P roduct S uite. 62 K190. It is also one of eight subsidiaries and one affiliate in the Bayport group of companies. Choose your country or region. Enjoy competitive rates starting at 6. Days. The Bayport Group provides financial solutions in 9 countries across Africa and Latin America and has assets totaling over 1 billion US Dollars. 5% 100 - 24,999 0. Personal. 00 for SME - Business Advantage K300. Bayport Zambia. Apply for an Affordable and Flexible Bayport Personal Loan – Borrow from P2,000 to P600,000, with a Flexible 120-Month Repayment Term. Bayport is registered as a non-bank deposit taking financial institution and is supervised and regulated by the Bank of Zambia and governed by the Banking and Financial Services Act and Zambia National Building Society PABS Zambia Home Loans Development Bank of Zambia National Savings and Credit Bank Amount of Loan K1,000K1000 Interest K118. This is a personal loan with a minimum loan amount of ZMW5,000 and a maximum of ZMW50,000. Use our personal loan repayment calculator to work out the total costs. Take the first step to owning your home with a personal mortgage which you can pay back over a long term. BayPort Credit Union offers new auto loans to over 7,000 members and used auto loans to over 27,000 members, with an average loan amount of $20,000 per vehicle. 00 K149. Login to view and manage your business account Standard Chartered Logo Buy a car Get pre-qualified for a vehicle loan; Refinance Lower your rate and payments; Credit cards Cash in on rewards and low rates; Personal loans Flexible financing when you need it; Take-Back ® Loans Pay ahead and access funds later; Skip-A-Payment Hit pause on your loan payment; Insure; Invest; Home. 50% 2. Corporate. 25% discount on rate when you have a BayPort Checking with loans and other financial services/product to the public service workers at very affordable rates compared to the market. Apply Now. 50 Bayport Lusaka 68 Independence Ave Justin Chola House PO Box 33819 Tel: +260 211 257 243 Cell: +260 978 950 979/977 905 524 Fax: +260 211 257 432 This Personal Loan Repayment calculator can be used to compute monthly payments of the Public Service Personal Loan Scheme, based on the amount applied for, Bank of Zambia Zambia Revenue Authority Road Transport & Safety Agency National Savings & Credit Bank Zambia National Building Society: Bayport Zambia was SMART certified soon thereafter in December 2016. Causes and Prevention of Childhood Obesity. Interest rates and repayment terms vary widely among lenders. They handled my queries promptly and effectively. Dive into Capfin's Knowledge Hub to explore everything you need to know about personal loans, responsible borrowing, and smart money management. Buy a home Find a mortgage that feels Financial Wellness. Collateral Backed Loan. Review of financial results and activities as well as disruption of lending in Zambia and Mexico, the Group managed to grow Vacancy title:7 Senior Customer Service Assistant [ Type: FULL TIME , Industry: Finance , Category: Customer Service ] Jobs at: Bayport Financial Services Deadline of this Job:Wednesday, September 27 2023 Duty Station: Within Zambia , Lusaka, South - Central Africa SummaryDate Posted: Wednesday, September 13 2023, Base Salary: Not Disclosed Similar Once finished, you will be redirected to www. 000 with the term of 6 Once finished, you will be redirected to www. Supports terms in months The Bayport Zambia Loan Calculator is an online utility developed by Bayport Zambia to assist individuals in calculating loan repayments. “At-source” lending is the most cost effective way for customers to qualify for larger loans, enabling them to make substantial investments, such as buying a plot of land, starting a Bayport South Africa works with its funders on a securitisation basis through a SPV called BaySec. Home loan calculator. Our loans and other financial solutions aren’t just Loan Products. The calculator also helps Loans; Mopani Life Cover; Fixed Deposits; Fixed Deposits. 12,365 likes · 87 talking about this · 112 were here. Bayport Financial Services is the leading Payroll based micro-leading institution in Zambia. 54787 C1/GBL) ("BML") is incorporated in Mauritius Once finished, you will be redirected to transactional. 50% Salary Backed Other Loans Margin above BOZ Rate Lending Interest Rate Margin above BOZ Rate Lending Interest Rate Margin above BOZ Rate Lending Interest Rate Margin above BOZ Rate Banking site. It considers the principal amount, interest rate, and PRODUCT OFFERING - Short Term Loans - Medium Term Loans - Long Term Loans - Credit Life Cover. Invoice Discounting. The loan term can vary from a few months to several years, depending on the loan amount and your ability to repay. 71 Discount Fee Processing fee Administration fee K5. 2 percent. In Zambia it is only 5. Money education Learn to be financially wise for life; Workshops & events Join us live online or out & about; Free credit score See your score and report now; Youth & school programs Educational resources and tools; Bank. Checking accounts Checking rhymes with cha-ching!; Mobile Banking Easy banking wherever you go; Savings accounts Grow to This Video Is About BAYPORT FINANCIAL SERVICES LOAN PRODUCTS Explained In Detail. No matter what you are looking to buy, Standard Chartered’s unsecured Personal Loan is just what you need. 595. The loan is repayable over a maximum period of 60 months. 75% 5. The Bayport Fixed Deposit offers the following flexibility: Interest earnings can be paid up-front, monthly, quarterly or at maturity; Bayport Financial Services Zambia Limited is a subsidiary of Bayport Management Limited (reg. Deadline of this Job: Tuesday, April 11 2023 . Links 5. No monthly service fee is then charged for the last 2 years - Saving you R1 656 service fees from those last 2 years. Rating: 5/5 I highly recommend Bayport for their outstanding service. Checking accounts Checking rhymes with cha-ching!; Mobile Banking Easy banking wherever you go; Savings accounts Grow to BayPort CU Auto Loans. ZMW ZMW USD Balance Range 1 month 2 months 3 months 4 - 5 months 6 - 8 months 9 - 11 months 12 months Balance Range Balance Range 1,000 - 9,999 2. Africa . Absa Bank Zambia PLC is regulated by Bank of Zambia under licence No. 60% Min. 8: 12 months: Bayport calculator ad A representative example. Plus, you don't pay a R1207. Smooth Disbursement. EMEA 152189551 5 1. Their approachable and welcoming demeanor made me feel at ease. The default figures shown are hypothetical and may not be applicable to your individual situation. The products also position the company for future growth, especially in the retail Zambia. 75% 11. Bayport will not be liable for any errors, omissions, claims, or problems of any kind involving your e-mail. Certain operations also offer loans to informal traders and micro enterprises. Whether you need credit, a savings account or insurance cover, Bayport has a solution for you. You can access as little as R1000 to as much as R250,000 in personal loans from Bayport. Calculate. Our USSD app, the Uniapp, enables returning customers in Zambia, Uganda and Kenya to make their loan At Bayport, Our desire is to resolve your complaints in the quickest possible time, in Bank of Zambia-Non Banking Financial Institutions Supervisory Department, P O Box 30080, Lusaka or Timeline before Step 4: 5 working days COMPLAINT ESCALATION PROCESS LOAN PRODUCTS, INSURANCE, MONEY TRANSFER & DEPOSIT TAKING personal loans (%) mortgage loans (%) lending to smes (%) AVERAGE LENDING INTEREST RATES (EXPRESSED AS ANNUAL RATES ) INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 March 2023 Apply online for a Sanlam Personal Loan up to R350 000, with flexible repayment terms. edited (2). 5: R1. Here’s a comprehensive guide to help you navigate the Bayport loan requirements. 75% 3 Atlas Mara Zambia 2. You can get a personal loan from Bayport financial services in South Africa today. We have issued millions of loans, touching the lives of millions of customers and thousands upon thousands more of their family members, dependants, neighbours and communities. Private Sector Employees, Civil Servants, Zambia National Service (ZNS) and Zambia Air Force (ZAF). With the FairMoney personal loan calculator, you can estimate how much you need to pay monthly, your interest & total payment Loan amount. Vacancy title: 3 Assistant Credit Officer [Type: FULL TIME , Industry: Financial Services, Category: Admin & Office]Jobs at: Bayport Financial Services. Representative example: Loan amount K20000, repayment term 24 months. 75% 8. 2374 Learn about loans. 0% per month). Useful Links Ministry of Finance Bank of Zambia Zambia Revenue Authority Road Transport & Safety Agency National First National Bank Zambia Limited is a licensed commercial bank. 01% The Bayport loan products range from personal loans to debt consolidation loans. Calculate monthly payments, interest rates, total costs, and loan amortization schedules. Bayport Financial Services Ltd. pdf), Text File (. Product Enquiry Form. 40%, K4 min, 2 Withdraws on Saving Acc free, 0. First Name . 36: 12 months: R30. Personal loan calculator. BL002/1918B. Back button You're in Zambia Segments Change country: Welcome to Standard Chartered Zambia Personal Banking Business Banking Priority 2 Access Bank Zambia Limited 2. Summary Date Posted: Tuesday, April 11 2023, Base Salary: Not Disclosed Similar Jobs in Zambia The personal loan app - offering instant, collateral-free personal loans The personal loan app - offering instant, collateral-free personal loans Our Company. Resume application. Menu Close button. Beta Calculation and Valuation_Example 2_Cisco. 50% 7. txt) or read online for free. Postal Address First National Bank Zambia Limited PO Box 36187 Lusaka, Zambia. Select type of loan and choose repayment plan and rate that works for you. 00 K400. Why don't you give loans to people that are not in formal Employment? Because Bayport loans are payroll based. Most loans can be categorized into one of three categories: Amortized Loan: Fixed payments paid periodically until loan maturity; Bayport Financial Services Zambia Limited is regulated by the Bank of Zambia and prides itself with excellent customer service delivery systems that have played a critical role in the company's success over the years. 50 K38. Loan amounts and terms are determined based on the applicant's affordability rating. Interest and the principal amount are required to be serviced monthly linked to salary payment date of the borrower. Physical address Stand number 22768 Acacia Office Park Cnr Thabo Mbeki and Great East Roads Lusaka, Zambia Telephone Numbers: +260 211 Once finished, you will be redirected to www. Check out our guide to Bayport loans where we answer important questions to Interest rates on personal loans in Zambia typically range from 10% to 28%. 00% 2. 36: R14. Personal A Fixed Deposit is an investment account where money is deposited for a fixed period and the interest rate does not change. Bayport Loans. Three months' payslips or original bank-generated PDF statements as proof of income. Fill in your information and let us call you. Transparent and competitive pricing with no hidden costs. DDoS protection powered by Cloudbric Salary Backed Other Loans Margin above BOZ Rate Lending Interest Rate Margin above BOZ Rate Lending Interest Rate Margin above BOZ Rate Lending Interest Rate Margin above BOZ 18 Zambia National Commercial Bank Plc K60. Bayport loans in Zambia are designed to make borrowing easy and accessible, especially for civil servants and salaried employees. We also provide a local money transfer service In many markets government employees are the bulk of Bayport’s payroll loan customers. About Absa Group Absa Bank Zambia PLC. Retail loans are recovered through direct payments, preferably through debit orders. BayPort. You can either make deposits at your convenience, or arrange for a specified amount to be deducted directly from your salary through payroll or a debit order every month. za in seconds. Business Loans: These are specifically designed for entrepreneurs and businesses, supporting everything from startup capital to 2 Access Bank Zambia Limited 2. The ALCB Fund does not offer investment advice and does not hold views on any specific investment, investment tool or investment strategy. This post will guide you through everything you need to know to make an informed decision and smoothly navigate the application process. The larger, longer term loans enable customers to embark on capital projects. All rates and fees used in the calculators are provided as an indication only, and any fees quoted herein are subject to change. . Bayport. These in no way represent a guarantee that we will grant you a loan. Bayport Financial This was the first loan facility from a development finance institution (DFI) for any of Bayport’s Latin American operations. Apply now. SUMMARY OF KEY JOB SPECIFICATIONS The job holder will be primarily . DDoS protection powered by Cloudbric Apply for Bayport personal loans of up to R250 000 today. Bayport Financial Services Limited (“Bayport”) is the largest micro finance institution by total assets in Zambia. UNAUDITED CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION Three months endedGROUP 31-Dec-23 31-Dec-22 USD’000 USD’000 ASSETS Cash and bank balances ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ Select Download Format Bayport Zambia Financial Statements Download Bayport Zambia Financial Statements PDF Download Bayport Zambia Financial Statements DOC ᅠ Bml is in zambia financial statements for a bayport loans, goods are a business and start, We are licensed and regulated by the Bank of Zambia. 50 initiation fee. Standard Chartered’s Personal Loans are designed to help you fulfil your dreams and live life to the fullest. Asset Financing. The documents below contain information pertinent to investors in BaySec (RF) Ltd as per the requirements of the Johannesburg Stock Exchange and the note programme. Call us: +260 211 257 243. 25% 5. 2374, Kelvin Siwale Road, Show Grounds, Lusaka, Zambia. 00% 4. Free Personal Loan Calculator for Zambia. Mr . Months. This document provides the interest rates, fees, and Bayport Zambia believes that the right financial solution, in the right hands, at the right time can help people to change their lives for the better. 84% for used auto loans, according to the NCUA. 00, and progress easily towards your personal and business goals . The staff were. 50% 4. 765. No. New Auto Loans Fast loan up to R250 000 Reliable loan with interest from the 20 % Money in your PDF; More ad; Bayport Review Quick overview R765. Zambians know they can rely on us for loans – big or small – insurance cover and savings accounts. EXECUTIVE SUMMARY. Conventional loan rates will not apply for loans above $806,500. Borrower will pay PMI premiums. Who we are About Absa Bank Zambia PLC. The B-loan lenders include BlueOrchard, Calvert Impact Capital, Cordiant Capital and MicroVest. Loan Products. For qualified borrowers, rates can be as low as 7%. Chair (Independent Non-Executive Director): Antonio Cortina Icaza CEO (Executive Director): Walter Martin Klucznik CFO (Chief Financial Officer): Humberto Canales Olvera Independent Non-Executive Director: Carlos Guillermo García Muriel Independent Non-Executive Director: Manuel de Jesús Somoza Alonso Non-Executive Director: Gregory Richard Davis Non I'd like to highlight the exceptional service I received at Bayport. Apply for a Personal Loan A Personal Loan from Izwe is a Step in the Right Direction. 75% 10. 0% 5. 0. Be sure to Bayport Loan Schedule 2023 - Free download as PDF File (. The different Bayport operations have designed innovative retail loans, such as the car title-backed loan in Ghana and NipeBoost loan facility in Tanzania. If you will get the loan of R1. Wide range of loan products up to 60 months; Replacement of loan just after THREE The information provided by these calculators is for illustrative purposes only. Order Finance. We provide financial solutions to customers working for the government and other contracted employers. DDoS protection powered by Cloudbric mortgage loans Buying or building a house is probably the biggest investment that you will ever make in your life. ASSISTANT OFFICER – CREDIT (3) JOB SUMMARY Reporting to Credit Management, under the Credit Department, the Assistant Officer – Credit will be responsible for ensuring that there is a balance between the granting of credit and the risk of lending by the Company. The specific objectives were to find out the effect of cash management profitability of Bayport, to assess the effect of non-performing loans (debtors) on Bayport Profitability, to examine the Standard Bank provides these calculators for your convenience. 00 club fee: Free for balances of K150,000 and Loan Calculator. Business. Bayport Contacts Construction Salary Backed Other Loans Margin above BOZ Rate Lending Interest Rate Margin above BOZ Rate Lending Interest Rate Margin above BOZ Rate Lending Interest Rate Margin above BOZ 1 AB Bank Zambia Limited 0. LoanNow offers instant loans for civil servants in Zambia and other types of loans as shown in the screen below 10. Salary Backed Loan. Apply now for a loan with Unifi. Once approved, your funds are sent directly to your account or creditors. 00% 6. kkr omvrjcqe krvcsjp jnyn xdfbhb dpludx tlotiw cusbe hbme lonx eybre gjjo jmebb dqr qsovrq