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					APPLY FOR OCBC EDUCATION LOAN NOW!
ELIGIBILITY (SINGLE APPLICANT) • Singaporean or Permanent Resident. • Between 21 and 55 years of age as of date of application. • Earning at least S$24,000 per annum.

MY PERSONAL DATA
(As this is the mode we will be communicating with you, please ensure all fields are accurate and completed)

Mobile: Email Address:

IMPORTANT 1. For priority processing, please complete all fields and submit together with: - Copy of NRIC (front & back) - Certified true copy of acceptance letter from the institution stating type and duration of course - Certified true copy of schedule of payment for course fees or bill for course if not stated in acceptance letter. 2. A processing fee of 2% of the loan amount, subject to minimum of S$100 will be levied upon the drawdown of the Education Loan. A cancellation fee of 1% of the loan amount cancelled will be charged you if you cancel this application after it has been approved. 3. We are pleased to offer you The BEST Card where a credit limit of up to 2x your monthly income may be extended to you at the Bank’s discretion. If you are keen to apply for the card, kindly indicate your interest on The BEST Card section on this application form.

ELIGIBILITY (JOINT APPLICANT) • Main Applicant will be the student. • Joint applicant must be the main applicant’s spouse, sibling, or parent. • Applicants must be Singaporean or Permanent Resident between 21 and 55 years of age as of date of application. • Total annual income of at least S$24,000 between main and joint applicants of either of the following: - Main (no income), Joint (at least S$24,000 p.a.) - Main (at least S$12,000 p.a.), Joint (at least S$12,000 p.a.)

Full name as per NRIC / Passport (underline surname):

Dr

Mr

Mrs

Miss

Mdm

NRIC / Passport: Nationality: Singapore PR: Home Address Street: Yes House/ Blk No.: No Unit No.: # Gender: Male Female

COURSE DETAILS
Name of Education Institution:

–

Building Name:

Period of Study: starting on (DD/MM/YYYY): ending on (DD/MM/YYYY): Course Duration: (mths) Course Fees: S$ .00

Postal Code: Property Type: Residence is Office Address HDB Self-owned Parents’ House/ Blk No.: Apt/Condo Employer’s Rented Unit No.: #

Years in Residence: Landed Loan/Mortgaged Others

LOAN DETAILS
Loan Amount: S$ Loan Tenure (mths): Repayment Option: .00 (max. of 96 months) Standard Graduated Graduated Plus

–

Street:

Building Name:

LOAN SERVICING ACCOUNT
Please debit my/our OCBC Current/Saving Account No. for all monthly instalments, interests, costs, charges, fees and all other monies due and payable in connection with the Education Loan from the Account. I/We do not have an existing OCBC Current^/Saving Account^. I/We authorise the Bank: i. to open an EasiSave Account in my/our name(s) (“the Account”) upon the Bank’s approval of this application and to treat my/our signature(s) on this application as my/our specimen signature(s) for the operation of the Account ii. that where the Account is opened in our joint names, to act on instructions from any one of us; and iii. to debit all monthly instalments, interests, costs, charges, fees and all other monies due and payable in connection with the Education Loan from the Account.
^Singapore dollar deposits held by or for an individual or a charity in accounts listed in OCBC Bank’s Insured Deposit Register (available at www.ocbc.com/policies) will be insured in accordance with and for up to the limits specified in the Deposit Insurance Act.

Postal Code: Tel.: (Res) Correspondence Address: Date of Birth (DDMMYYYY): Marital Status: Single Primary Pre-University Others Secondary Diploma No. of Dependants: Certificate Degree Masters & Above (Off) Home Office

Highest Qualifications:

Overseas Address (for Permanent Residents only):

I/We hereby declare and confirm that, unless otherwise indicated below*, I/We am/are the beneficial owner(s) and ultimately own or have effective control of this OCBC Current/Savings Account. The OCBC Current/Savings Account to be used for transactional/savings purposes. I/We acknowledge and agree that you shall be entitled to rely on my declarations above on the beneficial ownership and purpose of the OCBC Current/Savings Account. *The following individual(s) is/are the beneficial owner(s) and ultimately own(s) or has/have effective control of this OCBC Current/Savings Account. Please enclose a copy of the IC or Passport of the beneficial owner(s).

Overseas Contact No.:

Name(s) of Beneficial Owner____________________ I/C / passport No.(s) _____________________ Nationality __________ Date of Birth _______________ Contact No __________________________ Address ___________________________________________________________________________

Mother’s Maiden Name:

By signing below, I/we hereby jointly and severally represent and warrant that all information provided by me/us in this application form are true and complete. I/we have read and fully agree with the said Declaration and Agreement set out on page 3 of the application form and I/we agree to abide and be bound by the matters stated therein.

Main Applicant’s Signature

Joint Applicant’s Signature

Page 1 of 3 (EL/V1.0/NOV08)

MY EMPLOYMENT DETAILS
Employer Name:

Property Type: Residence is Office Address Street:

HDB Self-owned Parents’

Apt/Condo Employer’s Rented Unit No.: #

Landed Loan/Mortgaged Others

Tick if self-employed Business Nature (tick one): Banking / Finance / Insurance Government / Statutory Board IT & Communications Professional Firm Shipping / Transportation Uniform Group (Armed Forces, Occupation (tick one): Administrative Executive IT Professional Marketing / Sales Executive Others (please specify):
Civil Defence, Police Force)

Length of Service (in years): Building & Construction Hotel / Restaurant / Food & Beverage Manufacturing Retail Trading / General Commerce Others Company Director Licensed Professional / Engineer Supervisor Technician General Executive Manager Teaching Professional

House/ Blk No.:

–

Building Name:

Postal Code: Tel.: (Res) Date of Birth (DDMMYYYY): Marital Status: Single Primary Pre-University Others Secondary Diploma No. of Dependants: Certificate Degree Masters & Above (Off)

Name of Previous Employer (if less than 3 years with current employer):

Highest Qualifications:

Overseas Address (for Permanent Residents only): Length of Service (in years):

THE BEST CARD
Yes, I want The BEST Card upon approval of my Education Loan. Upon approval of my Education Loan application, I will receive The BEST Card with a 5-year annual fee waiver worth S$100^. A credit limit of up to 2x my monthly income may be extended to me at the Bank’s discretion. ^ Applicable to Main Applicants who are Singaporeans or Permanent Residents aged above 21, with a minimum annual income of S$18,000 p.a. Prevailing Interest rate is 24% p.a. OCBC Bank is the processing bank of The BEST Card and reserves the right to decline an application without giving any reasons. Name to appear on Card (maximum 19 characters including space): Overseas Contact No.:

Employer Name:

MY JOINT APPLICANT’S EMPLOYMENT DETAILS

MY JOINT APPLICANT’S PERSONAL DATA
Relationship to Main Applicant:
(As this is the mode we will be communicating with you, please ensure all fields are accurate and completed)

Business Nature (tick one): Banking / Finance / Insurance Government / Statutory Board IT & Communications Professional Firm Shipping / Transportation Uniform Group (Armed Forces, Occupation (tick one): Administrative Executive IT Professional Marketing / Sales Executive Others (please specify):
Civil Defence, Police Force)

Tick if self-employed

Length of Service (in years): Building & Construction Hotel / Restaurant / Food & Beverage Manufacturing Retail Trading / General Commerce Others Company Director Licensed Professional / Engineer Supervisor Technician General Executive Manager Teaching Professional

Mobile: Email Address:

Full name as per NRIC / Passport (underline surname):

Dr

Mr

Mrs

Miss

Mdm

Name of Previous Employer (if less than 3 years with current employer):

Length of Service (in years):

MY/OUR INCOME DOCUMENTS (MANDATORY)
NRIC / Passport: Nationality: Singapore PR: Home Address Street: Yes House/ Blk No.: No Unit No.: # Gender: Male Female 1. In order for us to process your application, your income has to be supported by one of the income documents below. Please submit a copy of one of the following income documents, as applicable to you and tick below. For salaried employees: Main Joint Latest computerised / electronic payslip OR Last 6 months’ CPF statement (contribution history) OR Latest Income Tax Notice of Assessment OR My salary is credited to my OCBC Account (*conditions apply)

–

Building Name:

(*Income Documents are not required on the conditions that your salary is credited (a) via GIRO AND (b) to your own singly operated OCBC Account AND (c) for at least the last 3 consecutive months. Please provide your OCBC Bank account number below.)

Main Postal Code: Years in Residence: Joint

By signing below, I/we hereby jointly and severally represent and warrant that all information provided by me/us in this application form are true and complete. I/we have read and fully agree with the said Declaration and Agreement set out on page 3 of the application form and I/we agree to abide and be bound by the matters stated therein.

Main Applicant’s Signature

Joint Applicant’s Signature

Page 2 of 3 (EL/V1.0/NOV08)

For commission-based earners: Main

For self-employed: Main Joint Last 2 years’ Income Tax Notice of Assessment

Joint Latest 3 months’ computerised / electronic payslips OR Last 2 years’ Income Tax Notice of Assessment

DECLARATION AND AGREEMENT (EDUCATION LOAN & BEST CARD)
EDUCATION LOAN: I/We understand that I/We am/are applying for the OCBC Education Loan. Where an Education Loan is made available to me/us, I/We agree to be bound by the OCBC Terms and Conditions Governing Education Loan and Terms and Conditions Governing Deposit Accounts (a copy of each will be made available to me/us upon the Education Loan being available to me/us). THE BEST CARD (applicable only if you choose to receive The BEST Card): I, understand that, subject to the discretion of Best Denki (Singapore) Pte Ltd (“Best Denki”), The BEST Card may be made available to me by Best Denki upon my successful application of the OCBC Education Loan. Where The Best Card is made available to me, I agree to be bound by terms and conditions of The BEST Cardmember’s Agreement, a copy of which will be sent with The BEST Card. I understand and agree that the Bank or such other persons specified by Best Denki shall be entitled to exercise all the rights, powers and discretions of Best Denki, in relation to The BEST Cardmember’s Agreement, for and on behalf of Best Denki and in the capacity as service provider to Best Denki. By signing this application, I/We hereby jointly and severally: 1. represent and warrant that all information provided by me/us in this application are true and complete and undertake to notify the Bank immediately of any change in such information; 2. authorise the Bank to conduct credit checks and verify information given in this application with any party (including, without limitation, with and credit bureau or any other organisation or corporation set up for the purpose of collecting and providing information relating to the credit standing of persons) with reference to me/us; 3. irrevocably and unconditionally consent for the Bank and any officer (as defined in the Banking Act Cap. 19) (the “Banking Act”) of the Bank to disclose any customer information whatsoever relating to me/us as the Bank shall consider appropriate to any person to whom disclosure is permitted or required by any statutory provision or law or to any person wherever situate for any purpose whatsoever and it is hereby agreed that the Bank and any officer of the Bank may disclose the foregoing information to the fullest extent permitted by the Banking Act or any statutory provision of law. Without prejudice to the foregoing, I/we consent to such disclosure to any disclosure to any credit bureau or any other organisation or corporation set up for the purpose of collecting and providing information relating to the credit standing of persons, and to the disclosure by such credit bureau or other organisation or corporation to any member thereof, for the purposes of accessing my/our credit worthiness or for other purposes whatsoever; 4. confirm that I/we am/are not an undischarged bankrupt(s) and there has been no statutory demand served on me/us; 5. agree that the Bank has the absolute discretion to decline my/our application or specify a lower quantum of loan than that requested for in this application without giving any reason and to retain all supporting documents submitted as the property of the Bank; 6. agree that the Bank may send by ordinary mail or such other means at my/our sole risk the Bank’s approval, cheque(s) issued in disbursement of any loan and all other documents and communications to any of my/our address(es) on the Bank’s records as the Bank may in its discretion elect; 7. authorise the Bank to debit all monthly instalments, interests, costs, charges, fees and all other monies due and payable in connection with the Education Loan from my/our account as indicated in this application form, or any other accounts which I/we have or may have with the Bank from time to time; 8. agree to execute such forms, agreements and security documents as may be required by the Bank upon being notified that my/our application has been approved by the Bank and be bound by the same; and 9. where there is more than one applicant , each of us acknowledge that all declarations, authorisations and representations in this application shall be deemed to be made by and apply and be binding on all of us jointly and severally. I/We have read and fully understand the Declaration and Agreement set out above. I/We agree with the said Declaration and Agreement and agree to abide by and be bound by the matters stated therein. OCBC will only be able to process completed applications, attached with relevant supporting documents as mentioned above.

___________________________________________

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Page 3 of 3 (EL/V1.0/NOV08)


				
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