Smart Buy Product

Smart Buy


Smart Buy Product from Bank of Khartoum


Now you can buy your different household needs from a group of the largest service providers in easy installments up to 36 months with Smart Buy Product from Bank of Khartoum.


Product Features:

  • Simple requirements and procedures.
  • Prompt approvals.
  • Co-borrowers allowed.
  • Finance available from a wide network of service providers.


Products That Can Be Financed:

  • Electronic Devices.
  • Home Appliances.
  • Furniture.
  • Generators.
  • Building materials.


Financed Amounts:

  • Minimum SDG 10,000.
  • Maximum SDG 5,000,000.
  • Finance up to 70% of the asset value.


Finance Tenure:

  • Up to 36 months.



Customer Classes:

  • Salaried Employees.
  • Self Employed Business (SEB).
  • Self Employed Professionals (SEP).

Employment Tenors:

  • Salaried Employees – 3months with the current employer (not on probation).
  • Self Employed Business (SEB) – business established and running for at least 12 months.
  • Self Employed Professionals (SEP) – professional license issued and operating for at least 12 months.


  • Salaried: Minimum 21 years at application stage.

Maximum 65 years at finance maturity.

  • SEB/SEP: Minimum 25 years at application stage.

Maximum 76 years at finance maturity.

Debt Burden Ratio:

  • Maximum 50% of net monthly income.


Documents Required:

Common Requirements:

  • Valid ID.
  • National Number Certificate.
  • 2 references with valid ID’s and complete address (blood relatives with different address allowed).
  • 2 colored passport size photographs.
  • Valid invoice from BOK authorized service provider.


  • Valid Salary Certificate with date of joining, occupation and net monthly salary.

Self Employed Business / Self Employed Professionals:

  • Business Registration Documents.
  • Last 6 months original stamped bank statement.


* Finance available for Sudanese nationals only

* Terms and conditions apply

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