Home Loan Application

Transcription

1 Multinet Mortgages 1 of 6 spurge on property DIVESE FINANCIAL SOLUTIONS ck 2006/134912/23, VAT Nº adrea street, Kempton park, Tel Fax Skype me on spurge.peter spurgeonproperty@vodamail.co.za S. Peter (CEAB, Dip Bcm damelin) MDP stellenbosh) SLDP Gibs, Fais.damelin Home Loan Application Please complete in BLOCK LETTES and tick ( ) the applicable box. CONSULTANT NETWOK/GOUP SOUCE/AGENCY bank of submission Absa STD NED FNB SANLAM HOME LOANS OTHE SECTION A - IN WHOSE NAME WILL THE POPETY BE EGISTEED? Individual *Joint & Several CC Trust Company (please tick ( ) the applicable box) *Are applicants members of the same household? Yes No If not individual give name to be registered in VAT egistration Income Tax No. If Company/Trust/CC has it been registered Yes No egistration No. Type of Business In which language do you prefer your correspondence? English Afrikaans If a business application, do you conduct trading? Yes No SECTION B - PESONAL DETAILS OF MAIN APPLICANT / DIECTO / MEMBE / TUSTEE / PATNE Surname Full Names Title Mr Mrs Miss/Ms Prof Dr ev Other (specify) Date of birth D D M M C C Y Y Gender Male Female ID Type ID book Passbook Other (specify ID No. Nationality SA Other (specify) Are you a permanent resident Yes No If a non-sa citizen, Passport no. Country Passport was issued Country of perm res Date Passport was issued D D M M C C Y Y Passport expiry date D D M M C C Y Y Perm es No. Telephone (H) Code Number Fax Code Number Cell Present residential/ business street address Initials (if different) Present postal Province Postcode address Province Postcode Present residential address since D D M M C C Y Y esidential status Owner Tenant Boarder Living with parents Home Language Marital Status English Afrikaans Tswana Zulu North Sotho South Sotho Ethnic Group White Black Coloured Asian Xhosa Venda Ndebele Tsonga Swazi Other (specify): Married Single Divorced Separated Widow/Widower Dependents (excl. spouse) ANC with Acc ANC without Acc C.O.P. Traditional/Custom No. of people in household SECTION B1 - BANKING / FINANCIAL DETAILS OF MAIN APPLICANT (X Please indicate the default account that the bank will use.) Existing Property None Sold To be Sold Let To be Let (please tick ( ) the applicable box) Account Type X Institution Branch Acc. No. Balance Acc. Holder Cheque (1) Cheque (2) Mortgage (1) Mortgage (2) Vehicles Trans/Savings Credit Card Other SECTION B2 - EMPLOYMENT DETAILS OF MAIN APPLICANT Status Employment Sector level (employees only) Full-time employed Self-employed (professional) Self-employed (non-professional) Home Executive Student Unemployed Pensioner/etired Part-time employed Temporary employed Agriculture Catering & Entertainment Civil Service Construction Education Finance Health Industrial Legal Profession Media Nature eserve Armed Forces Science/Computing Security Sales Transportation Welfare I.T. Other (Specify) Senior management Management Supervisor Skilled worker Semi-skilled worker Unskilled worker Junior position Highest Qualification School leaver Diploma Degree Masters Doctorate Source of Income Investments Salary Matured Policy Donations etirement annuity Pension payout Inheritance Other (Specify) Name of present employer/own business (trading as) Address of present employer (physical address) Province Postcode

2 Multinet Mortgages 2 of 6 Employee Number Present occupation Present employment since D D M M C C Y Y Company Tel Code Number Fax Code Number Frequency of income Monthly Weekly Other Previous Employer Do you belong to a Group scheme? Yes No If yes, state name of scheme Years at previous employer Are you a bank staff member? Yes No Are you an Embassy staff member? Yes No Will your employer allow payroll deductions for this loan? Yes No Have you been insolvent or placed under administration order? Yes No If Yes, state date of rehabilitation D D M M C C Y Y SECTION C - PUPOSE OF APPLICATION New Ordinary Loan New Building Loan FAO Further Advance Ordinary FAB Further Advance - Building First Time Home Loan Home loan to be cancelled If further advance - existing account number to be debited Name of institution Account Number SECTION C1 - DETAILS OF LOAN / FUTHE LOAN Purchase price of property Date of purchase D D M M C C Y Y Amount of loan/further loan eason for further loan Transfer or bond registration costs incl. Yes No Outstanding balance Current realistic market value (only take over or unbonded property) Other amounts (specify) Total loan amount requested Bond amount to be registered Term of loan years Indicate preferred initial rate option Variable rate Fixed rate Other (specify) Term of fixed rate (if applicable) M M Installment frequency Monthly Quarterly Half yearly Yearly Day of month installment to be paid D D Account to be paid by Debit order Salary deduction Other (specify) BUILDING LOAN ONLY Contract Price Building plans to be attached Name of contractor: Telephone Code Number Cell SECTION C2 - ADDITIONAL SECUITY Are you offering additional security? Yes No Surety Collateral Deposit Employer Guarantee Government Guarantee Other Specify SECTION D - POPETY DESCIPTION Type: Cluster Dwelling Sectional Title Unit Duet Sectional Vacant Land Domestic Small Holding esidential Property Description Land size m² Ptn Erf Street name and number: Suburb/Township City Province Postal Code Cluster/Complex Name Flat number Unit Number Exclusive use number Garage/Parking bay No. Dwelling purpose - to be occupied by Self Tenant Type of roof construction? Type of wall construction? Managing Agent Telephone Code Number SECTION D1 - ASSESSMENT AANGEMENTS (who may the assessor contact to arrange a property assessment?) Contact Owner Telephone Code Number Cell O Agent Telephone Code Number Cell SECTION D2 - DETAILS OF EGISTEED OWNE Is this property registered in your name? Yes No Seller Telephone Code Number Full names of seller ID No of seller Seller s bond held at: Bank Branch Bond Account No. If NO Seller s date of birth D D M M C C Y Y or Co, CC, Trust reg No. Transferring attorney Telephone Code Number Bond attorney Telephone Code Number Alternative (if not on bank's panel) Telephone Code Number

3 Multinet Mortgages 3 of 6 SECTION E - DETAILS OF SPOUSE / CO-APPLICANT(S) / PATNE / SUETY (SPOUSE DETAILS EQUIED EVEN IF NOT A CO-APPLICANT) Spouse Co-applicant Partner Surety (please tick ( ) the applicable box) Surname SECTION F - income and expenditure: main applicant / spouse / co-applicant Monthly Income Main Applicant Spouse 3rd Applicant (if applicable) Monthly Salary/enumeration Housing Subsidy Commission Overtime Other Income Maintenance/Alimony (eceived) Dividend Income/Investment ental Income eceived Fringe Benefits Car Allowance Other (Specify) Salary Deductions Pension Medical Aid PAYE Contribution/Tax/Site UIF Total Nett Income of all Applicant(s) First names Date of birth D D M M C C Y Y Gender Male Female ID Type ID book Passbook Other (specify ID No. Nationality SA Other (specify) Are you a permanent resident Yes No If a non-sa citizen, Passport no. Country Passport was issued Country of perm res Date Passport was issued D D M M C C Y Y Passport expiry date D D M M C C Y Y Permanent residence no. Telephone (H) Code Number Fax Code Number Cell Marital Status Married Single Divorced Separated Widow/Widower If married, state whether ANC with Acc ANC without Acc C.O.P. Traditional/Custom esidential address (If different from Main Applicant) Province Postalcode Present residential address since D D M M C C Y Y esidential status Owner Tenant Boarder Living with parents Have you been insolvent or placed under administration order? Yes No If Yes, state date of rehabilitation D D M M C C Y Y SECTION E1 - BANKING DETAILS OF SPOUSE / CO-APPLICANT(S) / PATNE / SUETY (X Please indicate the default account that the bank will use.) Existing Property None Sold To be Sold Let To be Let (please tick ( ) the applicable box) Account Type X Institution Branch Acc. No. Balance Acc. Holder Cheque Mortgage Loan Fixed Deposits Trans/Savings Credit Card Other SECTION E2 - EMPLOYMENT DETAILS OF SPOUSE / CO-APPLICANT(S) / PATNE / SUETY Status Employment Sector level (employees only) Full-time employed Self-employed (professional) Self-employed (non-professional) Home Executive Student Unemployed Pensioner/etired Part-time employed Temporary employed Agriculture Catering & Entertainment Civil Service Construction Education Finance Health Industrial Legal Profession Media Nature eserve Armed Forces Science/Computing Security Sales Transportation Welfare I.T. Other (Specify) Senior management Management Supervisor Skilled worker Semi-skilled worker Unskilled worker Junior position Highest Qualification School leaver Diploma Degree Masters Doctorate Source of Income Investments Salary Matured Policy Donations etirement annuity Pension payout Inheritance Other (Specify) Employer telephone No. Code Number Cell Name & address of present employer/own business (trading as) Province Present occupation Employee number Present employment since Previous Employer Years at previous employer Postcode D D M M C C Y Y

4 Multinet Mortgages 4 of 6 Monthly Living Expenses Main Applicant Spouse 3rd Applicant (if applicable) Bond epayments/ental Other Loan Installments (eg HP/Installment Sale Agreement) Credit card minimum payment Water and lights ates and taxes & levies Insurance - Short term (eg vehicle, HOC, cell phone, etc) Insurance - Life (incl. retirement annuity & funeral plan) Petrol/Transport Costs/Vehicle Maintenance Clothing (cash/retail accounts eg Edgars) Telephone (incl. line rental) TV ental/mnet/dstv Subscriptions Vehicle Installment 1 Vehicle Installment 2 Food/Groceries/Liquor/Cigarettes epair & maintenance - household Domestic wages/garden help Medical Costs/Hospital Plan/Pharmacy (excl. medical aid contributions) Education (fees, books, accommodation) Entertainment/Sport/Subscriptions (eg magazines, internet, gym) Alimony/Maintenance (payment) Monthly Vehicle Finance/Leases Cellphone Investments (Unit Trust/Endowments/Saving Plan) Donations (Charity/Church/etc) Security (eg Armed response) Vehicle security (eg Netstar) Other (Specify) Total Expenses Total Nett Income of all Applicant(s) Total Expenses of all Applicant(s) Applicant(s) Affordability/ Nett Disposable Income

5 SECTION G - BALANCe sheet Assets Fixed Property Multinet Mortgages 5 of 6 (Mandatory fields) Erf No. Suburb Date of Purchase Purchase Amount Present Value Vehicles Make Year Date of Purchase Purchase Amount Present Value Furniture & Fittings Present Value Life Assurance Company Number Date Issued Current Value Surrender Value Investments Company Present Value Liabilities Bonds Erf No. Suburb Institution Account No. Amount Owing Installment Amount Owing Under Vehicle Finance Make / Model Institution Date of Purchase Present Value Outstanding Balance Personal Loans / etail Store Cards / Other Institution Amount Owing

6 SECTION h - bank specific questions Multinet Mortgages 6 of 6 Will the Applicant(s) settle a non-absa Mortgage Loan Account? Yes No Current home loan debt to be settled Current Vehicle finance to be settled Payment Holiday Option? Yes No Is the Property currently bonded? Yes No Initiation fee payment option: Add to principal debts Direct payment from client From proceeds of loan Waiver (Bank waivers fee) Loan eason Building New Dwelling Improvements Buy Existing Property Other Use of property Building Loan Business Purposes Holiday Home Primary/Main esidence esidential Business Secondary esidence Small Holdings Vacant Land (Build to start) Vacant Land (No Intention to build) Jump Start Options Fixed ate Variable ate Loan Payment Holiday Variable ate with ate Concession None Type of Bond BondPlus First Bond Building Loan BondPlus + Future Choice Further Loan First Bond + Future Choice Further Build Future Choice Further Building Loan Building Loan + Future Choice Further Loan Future Choice FNB One Account For FUTUE CHOICE, please provide amount client qualifies for (loan amount) For FNB ONE ACCOUNT Do you want to convert your current Home loan account: Yes No Home Loan Account Nr Do you want to convert your cheque account Yes No Cheque Account Nr ETAIL CAD MINIMUM PAYMENTS OVEDAFT MINIMUM PAYMENT Main Applicant Co -Applicant Monthly Installments Debt Settled eduction in Installment Monthly Installments Debt Settled eduction in Installment SECTION i - credit worthiness and consent Please note that if applicants are married in community of property, this agreement will be in joint names. May the bank and/or the originator conduct a credit bureau enquiry on the applicant and/or co-applicant(s)? Yes No Do you give the bank permission to provide information relating to your credit score or creditworthiness to third parties who may legally request this information. Yes No Have you ever been in a dispute with the credit bureau? Yes No Have you ever had a judgement against your name? Yes No Do you have a rearrangement in place? Yes No Any outstanding credit applications? Yes No Are you under debt rearrangement/administration review? Yes No Name of debt counsellor Contact number of debt counsellor Do you wish to include the bank's initiation and assessment fee? Yes No Do you consent to the bank carrying out identity and fraud prevention checks and sharing information relating to this application through the South African Fraud Prevention Service? Do you further consent that the Bank can provide all information pertaining to the loan applied for, sharing positive and negative information to the Originator during the application process? Do you declare that to the best of your knowledge and belief that the information provided to the bank in respect of this application is true, accurate and complete? Marketing Consent Warranty by originator Do you wish to be included in mass contact by sms or ? Yes No May the bank share your information within the group for non-marketing purposes? Yes No May subsidiaries of the bank contact you? Yes No May the bank contact you for marketing purposes? Yes No Signing this document does not commit the applicant(s) to pay any amount to Multinet Mortgages for services that will be provided. The originator warrants that this application is submitted by the originator on behalf of the applicant(s) with the applicant(s) knowledge and consent. If signed on the applicant(s) behalf, the originator warrants that it has been duly authorised by the applicant(s) for this purpose. Originator name Multinet Mortgages ID/eg No. ck1997/012881/23 Yes Yes Yes No No No Signed on or behalf of Originator Print name Main Applicant Co-applicant(s) Date D D M M C C Y Y