Rejected Personal Loan Application from the Company by vlp17176

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									                                                                                                         A/C Name…………………………………..
                       BUSINESS LOAN APPRAISAL FORM
                                                                                                         SAVINGS A/C NO………………………….




      LOANS IN THE OTHER BANKS/FINANCIAL INSTITUTION(S)

      Name of Lender               Amount advanced                 Date advanced                 Repayment period

      1

      2

      3

      Do you plan o n borrowing any money from ;

      shy locks ___________        NGOs __________ Banks ______________ Family members _________ others (specify)______________


      If yes please specify the purpose amount and repayment period

      (Attach bank statements)


1     ACCOUNT OPERATION AT EQUITY
      Average credit turnover - EBS (Last 6 mths) Kshs.
      Average credit turnover - Other banks/financial institutions (Last 6 mths) Kshs.
      Comments of the Appraisal/Loan officer



2     CREDIT HISTORY
                                      Amount        Payment
          Loan No.       Date                                       Period        Status                Performance
                                      granted        mode




3     NET HOUSE HOLD BUDGET
                         Monthly     Income                                       Monthly Expenses
      Other economic activities    Amount (Kshs)                Description                       Amount (Kshs.)
                                                                Rent
                                                                Salaries/Wages
                                                                Water, phone, electricity
                                                                Transport
                                                                Other loan repayment


      Total Income                                              Total Expenses
                                                                Net surplus/Deficit (Kshs.)
      NB: ** Supply copy of receipts or statement where applicable.
      Comments of the Appraisal/Loan Officer




4     BUSINESS FINANCIAL DETAILS
4.1   PROFIT AND LOSS
                            Income                                                Expenses
      Business sales                                            Purchases
      Other income (source/amount)                              Rents
                                                                Salaries/Wages
                                                                Others
      Total Income                                              Total Expenses
                                                                Net surplus/Deficit (Kshs)
4.2   BALANCE SHEET
                        Current Assets                                            Current Liabilities
Cash at Hand/Bank              Creditors
Debtors                        Bank Loans/Overdraft
Inventory (Work in progress)   Other Liabilities (specify)
Total Fixed Assets             Long Term Loans
Other Assets                   Capital




Total Assets                   Total Liabilities & Capital
4.3   DETAILS OF THE INVENTORY
          QTY                   DESCRIPTION             PRICE @ UNIT            TOTAL VALUE




5     RECOMMENDATION
                                CREDIT OFFICER        BRANCH CREDIT COMMITTEE
      Loan Amount
      LoanPeriod
      Payment Frequency
      Signature                                       STATUS      Approved   Rejected
      Name                                Signature               Date
      Branch Credit Committee
      Comments




                    Name                              Signature                     Date
      1
      2
      3
      4

      Comments




                    Name                              Signature                     Date
      1
      2
      3
      Head Office Credit Committee
      Comments




                    Name                              Signature                     Date
      1
      2
      3
         A/C Name…………………………………..

         SAVINGS A/C NO………………………….




                                       Outstanding amount




mbers _________ others (specify)______________
                                                                                                                               FOR OFFICIAL USE ONLY
                                                                                                                                            DATE:
                                                     DIASPORA                                                              Current/Savings A/c No.:

                                                  SME LOAN APPLICATION
                                                    MORTGAGE                                                                             BRANCH:

                                                                                                                              Sector Name & Code:

                                                 APPLICATION FORM                                                       Sub-Sector Name & Code:

                                                                                                                             Industry Name & Code:

                                                                                                                                Nature of Advance:


1      CLIENT'S PERSONAL INFORMATION                           (For Individuals & Sole Proprietorships ONLY)
       Applicant's Name:
                                                                                                              Date:
       (Mr/Mrs/Miss/Dr/Prof)
       Kenyan
                                                               Passport No.:                                                       Pin No.:
       ID No.:
       Marital
                             Single                                  Married                                Widowed                                   Divorced
       Status:
       Date of
                                                                                       Nationality:
       Birth:
              No. of dependants:                                                        Gender:              Female                                    Male
       Postal
                                                                                                              Email:
       Address:
       Tel. No.:                                                                  Current residence:
                                                 Mobile No.:
       (landline)                                                                 (Attach sketch map)
       Spouse's
                                                                 Kenyan ID No.:                                                  Mobile No.:
       Name:

       Residence:                                                    Estate:                                                        Town:

       House No.                                                    Rented?                                                        Owned?

       Name of                                                                                                                    Length of
                                                                   Phone No. :
       landlord                                                                                                                  stay there?
       (NB: Attach all documents as required in Standard Requirements-Summary Form)

2      LOAN PARTICULARS                           (indicate currency i.e. KES, US$, EUR)

           Loan Amount requested:                                                                       Specific Purpose

                 Cost of project:                                                                       Own contribution

              Repayment period:                                                                         Monthly Instalment

3      EMPLOYMENT PARTICULARS
3.1    EMPLOYMENT DETAILS                        (If either applicant or spouse is employed)
       Name of
                                                                                  Employee's PF No.:                         Department
       Employer:
       Physical
                                                                                  Station
       Address:
       Postal
                                                                                  Employment Terms
       Address:
       Tel. No.:
                                                                                  Designation
       (landline)

        Mobile No.:                                                               Length of Service

       (NB: Attach all documents as required in Standard Requirements-Summary Form)

3.2    EMPLOYMENT DETAILS                        (If either co-applicant or spouse is employed)
       Name of
                                                                                  Employee's PF No.:                         Department
       Employer:
       Physical
                                                                                  Station
       address:
       Postal
                                                                                  Employment Terms
       Address:
       Tel. No.:
                                                                                  Designation
       (landline)

        Mobile No.:                                                               Length of Service

       (NB: Attach all documents as required in Standard Requirements-Summary Form)




      eb0d4482-3ff0-4ce0-a82a-9fdfff56271e.xls                                              7 of 11
                                                                                                                                 FOR OFFICIAL USE ONLY
                                                                                                                                              DATE:
                                                     DIASPORA                                                                Current/Savings A/c No.:

                                                  SME LOAN APPLICATION
                                                    MORTGAGE                                                                               BRANCH:

                                                                                                                                 Sector Name & Code:

                                                 APPLICATION FORM                                                            Sub-Sector Name & Code:

                                                                                                                               Industry Name & Code:

                                                                                                                                   Nature of Advance:



4      CLIENT'S PERSONAL INFORMATION
       BUSINESS PARTICULARS             (For Individuals & Sole Proprietorships ONLY)
                               (For Companies, Partnerships, Groups, Clubs, Associations, Co-operatives & Others)
       Name of                                                                                                                  Business Activity
                                                               Registration No.:
       Entity:                                                                                                                  Type:

       Licence No.:                                                  Pin No.:                                                        VAT No.:

       Type of
                                                                                     Email Address:
       Entity:
       Postal
                            Current:                                                                            Permanent:
       Address
       Tel. No.:                                                                   Physical address:
                                                 Mobile No.:
       (Landline)                                                                  (Attach sketch map)
       Physical
                             Town:                                    Street:                                                        Building:
       location

       Business Premises (current status)                            Rented?                                     Owned?


       If rented,     Lease period:                            Remaining period:                                (Attach copy of rent agreement)         Rent Payable:

       (NB: Attach all documents as required in Standard Requirements-Summary Form)

5      PARTICULARS OF PROPRIETORS
       Name of Director(s)/Partner(s)/Official(s)
                                Name:                                ID No.:             PIN No.:                Tel No.:           Mobile No.:                   Postal Address:

              1


              2


              3


              4


              5

       (NB: Attach all documents as required in Standard Requirements-Summary Form)
6      EXPOSURE PARTICULARS
6.1    ACCOUNTS IN OTHER BANKS/FINANCIAL INSTITUTIONS
                                             Bank                                                      Branch                      Outstanding Balance (DR/CR)           Classification

              1


              2


              3


              4

6.2    LOANS IN EQUITY BANK
                                                                                                                                                        Outstanding
                    Name of Branch & Borrower                  Amount advanced Date Advanced             Loan Period            Installment                              Classification
                                                                                                                                                        amount

              1


              2


              3


              4


              5

       (Attach Original certified bank statements as required)




      eb0d4482-3ff0-4ce0-a82a-9fdfff56271e.xls                                              8 of 11
                                                                                                                          FOR OFFICIAL USE ONLY
                                                                                                                                       DATE:
                                                     DIASPORA                                                         Current/Savings A/c No.:

                                                  SME LOAN APPLICATION
                                                    MORTGAGE                                                                        BRANCH:

                                                                                                                          Sector Name & Code:

                                                 APPLICATION FORM                                                     Sub-Sector Name & Code:

                                                                                                                        Industry Name & Code:

                                                                                                                            Nature of Advance:



6.3                                     (For Individuals & Sole Proprietorships ONLY)
       CLIENT'S PERSONAL INFORMATION INSTITUTIONS
       LOANS IN OTHER BANKS/FINANCIAL
                                                                                                                                                 Outstanding
                           Name of Bank                     Amount advanced Date Advanced         Loan Period            Installment                           Classification
                                                                                                                                                 amount

              1


              2


              3


              4


              5


              6

       (Attach Original certified bank statements as required)

7      REFEREES
                                            Names                                             Address                                   Telephone              Relationship

              1


              2


              3


              4

8      BUSINESS FINANCIAL DETAILS
8.1    PROFIT AND LOSS
                    Income                                  Actual          Projected                            Expenses                        Actual        Projected

       Business sales                                                                             Purchases


                                                                                                  Rents


                                                                                                  Salaries/Wages


                                                                                                  Transport


                                                                                                  Water, Phone, Electricity


                                                                                                  Others

       Total Income                                                                               Total Expenses

                                                                                                  Net surplus/Deficit (Kshs)

8.2    BALANCE SHEET
                    Assets                                  Actual          Projected                            Liabilities                     Actual        Projected

       Cash at Hand/Bank                                                                          Creditors


       Debtors                                                                                    Bank Loans/Overdraft

       Inventory                                                                                  Other Liabilities
       (Work in progress)                                                                         (specify)

       Total Fixed Assets                                                                         Long Term Loans


       Other Assets                                                                               Capital

       Total Assets                                                                               Total Liabilities & Capital




      eb0d4482-3ff0-4ce0-a82a-9fdfff56271e.xls                                      9 of 11
                                                                                                                               FOR OFFICIAL USE ONLY
                                                                                                                                           DATE:
                                                       DIASPORA                                                           Current/Savings A/c No.:

                                                    SME LOAN APPLICATION
                                                      MORTGAGE                                                                          BRANCH:

                                                                                                                              Sector Name & Code:

                                                   APPLICATION FORM                                                      Sub-Sector Name & Code:

                                                                                                                            Industry Name & Code:

                                                                                                                                Nature of Advance:



  8.3    CLIENT'S PERSONAL INFORMATION
         NET HOUSE HOLD BUDGET                              (For Individuals & Sole Proprietorships ONLY)
                 Monthly Income                              Actual               Projected                         Monthly Expenses                 Actual       Projected
         Borrower
                                                                                                        Rent
         (net salary)
         Spouse                                                                                         School fees
         (net salary)                                                                                   (Average per month)
         Business
                                                                                                        Transport
         (from 6.1 above)

         Pensions                                                                                       Water, Phone, Electricity


         Other Business income                                                                          Food


         Other income                                                                                   Other loan repayment

                                                                                                        Other expenses
                                                                                                        (medical etc)

         Total Income                                                                                   Total Expenses

                                                                                                        Net surplus/Deficit (Kshs.)
         (NB: Supply copy of receipts or statement where applicable.)

   9                                                                            SECURITY/COLLATERAL
         Kindly list all the securities giving details, description and serial numbers where applicable.
         DESCRIPTION OF THE ITEM                                                                                      SERIAL NO.                              VALUE(KSH)




With this signature I/We confirm that the above information given by me/us is the true and factual position of my/our business:-

                                                                                                                                 Company seal and/or Business' stamp affixed here




                                Signature                                                 Date




                                Signature                                                 Date


         (NB: For Limited liability company borrowers, the company seal be affixed to loan application form)



         I, ________________________________________________________ hereby, witness the signature of the applicant(s)



                                                                                                               Customer's Segmentation:
         Signature of Daispora Mortgage Agent/Bank Official                               Date




        eb0d4482-3ff0-4ce0-a82a-9fdfff56271e.xls                                           10 of 11
                                                                                                             FOR OFFICIAL USE ONLY
                                                                                                                          DATE:
                                               DIASPORA                                                  Current/Savings A/c No.:

                                            SME LOAN APPLICATION
                                              MORTGAGE                                                                 BRANCH:

                                                                                                             Sector Name & Code:

                                           APPLICATION FORM                                              Sub-Sector Name & Code:

                                                                                                           Industry Name & Code:

                                                                                                               Nature of Advance:


 CLIENT'S PERSONAL INFORMATION                           (For Individuals & Sole Proprietorships ONLY)
 LOAN APPLICATION DOCUMENTATION CHECKLIST
                                                                                                            SME RO's                Manager's
 Item                                      Description                    Present              Absent
                                                                                                            Comment                 Comment
        1       Standard Requirements-Summary Form

        2       Credit Reference Bureau Report

        3       Introduction letter by Equity Bank Agent

        4       Summary Recommendation by Diaspora Mortgage Agent

        5       Valuation Report

        6       Sale Agreement (duly executed)

        7       Any other support document




eb0d4482-3ff0-4ce0-a82a-9fdfff56271e.xls                                            11 of 11

								
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