HOME LOAN APPLICATION FORM by sdsdfqw21

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									                                                                                               Fax : 0866 033 843
HOME LOAN APPLICATION FORM                                                            Email : info@nhfinance.co.za



Name property to be registered in:

Consultant:          New Heights Finance

Estate Agent:                                                                         Date:
BANK
ABSA           FNB                     NED                  STD                       OTHER
APPLICATION TYPE
Individual     Joint                   Multiple             CC/Pty/Trust              Suretyship
LOAN TYPE
Ordinary       Further loan            Building Loan        Further Building Loan     Switch
                                       LOAN DETAILS
First time home Owner                  YES             NO   Bond/Trf costs Included   YES          NO
Purchase Price                         R                    Purchase date
Property Market Value                  R                    Cash Deposit              R
Registered Amount                      R                    Loan Repayment Period
Bond Attorney                                               Tel:
Transfer Attorney                                           Tel:
Installment MethodDebit Order       / Salary deduction      Convenient repayment Date:
Company Type         CC     / PTY          / Trust          Registration No
Building Loan
Contractor
Tel No                                 (     )              Cell
Contract Price                                              Land Price
Apply for Home Owner Cover             YES             NO
                                       PROPERTY DETAIL
Erf Number                             Portion:             Street number
Street Name                                                 Suburb
Township                                                    City
Province                                                    Postal Code
Area Of Land                                           m2   Type of Property
Seller Name                                                 Seller ID
Tel No                                                      Intended Purpose of Dwelling
If Sectional Title
Complex Name                                                STU Plan No
Door No                                                     Parking Bay No
Managing Agent                                              Tel                       (       )
Valuation Detail
Name                                                        Tel:                      (       )
Cell
Alternative Detail
                                     CLIENT DETAILS
Surname                                                  Names
Initials                                                 Date of Birth
Gender                                                   Title
Type of Identification               ID       Passport   ID/Passport no
Phone (H)            (       )                           Phone (W)       NB
Fax                  (      )                            Cell Number
Email address
Home language                                            Preferred Language
Would you like your Correspondence to be send to an International Address           YES    NO
Physical Address                                         Suburb
City                                 Province                                       Code
Postal Address                                           Suburb
City                                 Province                                       Code
                                     ADDITIONAL CLIENT DETAIL
Ethnic group                                             Marital Status
Marital Type                                             No of dependents
Are you a South African Citizen      YES        NO       Are you a Permanent Res    YES    NO
If applicable
Country passport was issued in NB                        Date of expiry       NB
Date passport issued      NB                             Nationality
Country of Permanent Residence                           Residence Number
Solvency Status
Have you ever been declared insolvent                    YES      NO
Date rehabilitated
Is the applicant under administration
Is the applicant under debt review
Will you signing surety on this application
                                     BANK AND EMPLOYMENT DETAIL
Account Type         Institution     Branch/ Balance     Account Holder             Account number
Cheque
Personal Loan
Fixed Deposit
Trans/ savings
Credit card
Investments
Other


Occupation                                               Employment Status
Occupation Level                                         Employment sector
Frequency of income                                      Income Tax No
Name of employer                                         Employee number
Date joined Employer                                     Work physical address
City                                                     Previous employer's name
Period with previous employer
                                   INCOME AND EXPENSES
Basic Salary                       R
Gross Housing Subsidy              R
Fringe Benefits: Car               R               Income after Deductions      R
Fringe Benefits: Entertainment     R
Gross Overtime                     R
Gross Commission                   R
Gross rent Income                  R
Gross Interest on Investment incomeR
Maintenance                        R
Travel Allowance                   R
                                       Expenses
                                   R
Assurance(Life, annuities,Retirement               PAYE                         R
Cell phone                         R               Pension                      R
Clothing                           R               Personal Loan Installments   R
Credit card min payment            R               Petrol & Maintenance         R
Domestic wages                     R               Rates & Taxes                R
Education                          R               Security                     R
Entertainment                      R               UIF                          R
Groceries                          R               Water & Lights               R
Insurance                          R
Medical Aid                        R
Mortgage/Rent Installments         R
Motor Finance installments         R
Other( M-net,phone Etc)            R
Other Monthly Installments         R

                                 ASSETS & LIABILITIES
      Asset                         Description                                     Amount
Fixed Property                                                                  R
                                                                                R
                                                                                R
Vehicle                                                                         R
Other (specify)                                                                 R
Other (specify)                                                                 R
Other (specify)                                                                 R
Other (specify)                                                                 R
Other (specify)                                                                 R

    Liabilities                      Institution                Amount
Home loan                                           R
HP Facility                                         R
Overdraft                                           R
Other ( specify)                                    R
Other ( specify)                                    R
Other ( specify)                                    R
Other ( specify)                                    R

Applicant Name                                      Signature

Spouse Name(COP Marriages)                          Signature
                                     CO-APPLICANT/SPOUSE DETAIL
Surname                                                  Names
Initials                                                 Date of Birth
Gender                                                   Title
Type of Identification               ID       Passport   ID/Passport no
Phone (H)            (    )                              Phone (W)        NB
Fax                  (    )                              Cell Number
Email address
Home language                                            Preferred Language
Would you like your Correspondence to be send to an International Address           YES    NO
Physical Address                                         Suburb
City                                 Province                                       Code
Postal Address                                           Suburb
City                                 Province                                       Code
                                     ADDITIONAL CLIENT DETAIL
Ethnic group                                             Marital Status
Marital Type                                             No of dependents
Are you a South African Citizen      YES        NO       Are you a Permanent Res    YES    NO
If applicable
Country passport was issued in NB                        Date of expiry NB
Date passport issued NB                                  Nationality
Country of Permanent Residence                           Residence Number
Solvency Status
Have you ever been declared insolvent                    YES      NO
Date rehabilitated
Is the applicant under administration
Is the applicant under debt review
Will you signing surety on this application
                                     BANK AND EMPLOYMENT DETAIL
Account Type         Institution     Branch/ Balance     Account Holder             Account number
Cheque
Personal Loan
Fixed Deposit
Trans/ savings
Credit card
Investments
Other
Employment
Occupation                                               Employment Status
Occupation Level                                         Employment sector
Frequency of income                                      Income Tax No
Name of employer                                         Employee number
Date joined Employer                                     Work physical address
City                                                     Previous employer's name
Period with previous employer
                                  INCOME AND EXPENSES
Basic Salary                      R
Gross Housing Subsidy             R
Fringe Benefits: Car              R                  Income after Deductions   R
Fringe Benefits: Entertainment    R
Gross Overtime                    R
Gross Commission                  R
Gross rent Income                 R
Gross Interest on Investment incomeR
Maintenance                       R
Travel Allowance                  R
                                       Expenses
                                   R
Assurance(Life, annuities,Retirement                 PAYE                      R
Cell phone                        R                  Pension                   R
Clothing                          R                  Personal Loan Installments R
Credit card min payment           R                  Petrol & Maintenance      R
Domestic wages                    R                  Rates & Taxes             R
Education                         R                  Security                  R
Entertainment                     R                  UIF                       R
Groceries                         R                  Water & Lights            R
Insurance                         R
Medical Aid                       R
Mortgage/Rent Installments        R
Motor Finance installments        R
Other( M-net,phone Etc)           R
Other Monthly Installments        R

                                  ASSETS & LIABILITIES
      Asset                          Description                                    Amount
Fixed Property                                                                 R
Vehicle                                                                        R
Investment      1.                                                             R
                2                                                              R
Other (specify)                                                                R
Other (specify)                                                                R
Other (specify)                                                                R
Other (specify)                                                                R
Other (specify)                                                                R

    Liabilities                        Institution               Amount
Home loan                                            R
HP Facility                                          R
Overdraft                                            R
Other ( specify)                                     R
Other ( specify)                                     R
Other ( specify)                                     R
Other ( specify)                                     R

Applicant Name                                       Signature

Spouse Name(COP Marriages)                           Signature
                                        Consent Declaration

I/We the purchaser, hereby irrevocably appoint Dimension Financial Services as my sole agent to obtain mortgage
loan finance from one or more of the registered banks in South Africa for this property on my behalf.
I/We warrant that all the information I supplied is to the best of my knowledge and belief, true and correct in all
material respects and I am not aware of any other information which , should it become known to the Bank, would
affect the consideration of my application in any way.
I/We agree that the bank can provide any information pertaining to the loan applied for, sharing positive & negative
information to Dimension Financial Services during the application process.
I/We hereby authorize the Bank to have access to my Credit Bureau records, and to furnish or to disclose any
information arising from any agreement entered into with the Bank to any credit bureau.
I/ we confirm that I am not currently under debt review and am not subject to any debt rearrangement orders.
I/We hereby authorize Dimension Financial Services to supply my detail to their exclusive business partners
to enable them to provide me with tailored quotes for bond related products to suit my circumstances.
My detail will not be divulged to any other external partner other than referred to above, without the express consent
of me/ourselves


Client signature:

Date:
Checklists
Normal Loan (Salary)

Documents must be submitted as separate attachments in the following order :
1. Completed motivation
2. Completed application form
3. Clear copy of main applicant's ID
4. Salary slip for main applicant
5. 3 months' bank statements for main applicant (not internet statements)
   Commission earners require six months bank statements (not internet) and a letter from their employer confirming
   average income.
6. Clear copy of co-applicant's ID
7. Salary slip for co-applicant
8. 3 months' bank statements for co-applicant (not internet statements)
9. Offer to Purchase including Erf number and signed by both the seller and the purchaser
10. Sectional title – Financials of body corporate, sectional title plans (if applicable)
11. Copy of marriage certificate (if applicable)
12. Other documents

Normal Loan (Self-Employed)

Documents must be submitted as separate attachments in the following order :
1. Completed motivation
2. Completed application form
3. Clear copy of main applicant's ID
4. Letter from registered accountant/bookkeeper confirming applicant's income
5. 3 months' bank statements for main applicant (not internet statements)
6. Clear copy of co-applicant's ID
7. Proof of income for co-applicant - salary slip, or letter from accountant if self-employed
8. 3 months' bank statements for co-applicant (not internet statements)
9. Offer to Purchase including Erf number and signed by both the seller and the purchaser
10. The income of self-employed applicants to be verified as follows:-
- Year-on-year business financials covering a minimum period of 3 years, with the latest reporting period statements not
being older than 6 months
- Bank statements for the past 12 months, verifying the income reflected in the business financials
- Management accounts, not older than 2 months, signed by the applicant and the accountant/bookkeeper
- Detailed cash flow forecast for the forthcoming 12 months realistically presenting the financial sustainability of the
business and supported by relevant documentation applicable to any existing or new contracts that contribute to the
turnover of the business
11. Sectional title – Financials of body corporate, sectional title plans (if applicable)
12. Copy of marriage certificate (if applicable)
13. Other documents

Further Loan or Switching
Documents must be submitted as separate attachments in the following order :
1. Completed motivation
2. Completed application form
3. Clear copy of main applicant's ID
4. Salary slip for main applicant (or proof of income if self-employed)
5. 3 months' bank statements for main applicant (not internet statements)
   Commission earners require six months bank statements (not internet) and a letter from their employer confirming
6. Clear copy of co-applicant's ID
7. Salary slip for co-applicant (or proof of income if self-employed)
8. 3 months' bank statements for co-applicant (not internet statements)
9. Latest 6 month bond statements
10. Company financials as per Self-employed checklist above to verify income of self-employed applicant/s
11. Sectional title – Financials of body corporate, sectional title plans (if applicable)
12. Copy of marriage certificate (if applicable)
13. Other documents
Building Loan

Documents must be submitted as separate attachments in the following order :
1. Completed motivation
2. Completed application form
3. Clear copy of main applicant's ID
4. Letter from registered accountant/bookkeeper confirming applicant's income
5. 3 months' bank statements for main applicant (not internet statements)
6. Clear copy of co-applicant's ID
7. Proof of income for co-applicant - salary slip, or letter from accountant if self-employed
8. 3 months' bank statements for co-applicant (not internet statements)
9. The income of self-employed applicants to be verified as follows:-
- Year-on-year business financials covering a minimum period of 3 years, with the latest reporting period statements not
- Bank statements for the past 12 months, verifying the income reflected in the business financials
- Management accounts, not older than 2 months, signed by the applicant and the accountant/bookkeeper
- Detailed cash flow forecast for the forthcoming 12 months realistically presenting the financial sustainability of the
10. Copy of marriage certificate (if applicable)
11. Quotation from the builder
12. Building Contract
13. Building Specification schedule of finishes/costs
14. Waiver of builder’s lien
15. NHBRC certificate

Company
   Offer to purchase including Erf number and signed by both the seller and the purchaser
   Fully completed home loan application form for the entity.
   Fully completed home loan application for all the directors/members
   Articles of association certificate
   CM 1 Certificate of incorporation
   CM 2 Memorandum and articles of association
   CM29 Contents of register of directors, auditors and officers
   CM49 Certificate to commence business
   CM 9 Certificate of change of name of company (if applicable)
   Summary of minutes of the directors’ meeting(s) at which it was decided to take out a loan, and who is authorised
   Latest signed financial statements
   Six months business statements (NOT INTERNET)
   Letter of surety ship from directors
   Signed personal Income/expenses; assets/liabilities for all members/ directors
   Three months personal bank statements (NOT INTERNET) for all the members/directors
   Clear copy of ID for all the directors/members
   Signed Auditors letter for all members/directors
   Proof of VAT number
   Proof of TAX number

Trust
   Completed application form
   Copy of marriage certificate (if applicable)
   Financial statements for last year – Audited
   Copy of all applicants’ I.D documents
   Bank statements for 6 months – Business & Personal (NOT INTERNET)
   Letter from auditor to confirm income
   Proof of TAX Number
   Trust Registration documents. (Trust Deed, Resolution of which Trustees authorized to Sign )
CC
    Offer to purchase including Erf number and signed by both the seller and the purchaser
    Fully completed home loan application form for the entity.
    Fully completed home loan application for all the directors/members
    Copy of marriage certificate (if applicable)
    Copies of all applicants’ I.D documents
    Signed Auditors letter for all members/directors
    Three months personal bank statements (NOT INTERNET) for all the members/directors
    Six months business statements (NOT INTERNET)
    CC documents – CK1 & CK2
    Signed Financials
    Signed personal Income/expenses; assets/liabilities for all members/ directors
    Resolution be members (signatories on documentation)
    Letter of surety ship from members CC
    Proof of TAX number
    Proof of VAT number

								
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