apply for home finance.

Transcription

1 apply for home finance. No Deposit equired. First National Bank - a division of Firstand Bank Limited. An Authorised Financial Services and Credit Provider (NCCP20).

2 Home Finance Individual and Joint Application Call Centre APPLICATION TYPE New Bond buying a property Switch Bond from another bank ihome Unbonded Property Building Loan Further Loan e-advance Substitution of debtor Article 45 Future Choice Flexi Bond PESONAL DETAILS Applicant Co- Applicant Title Mr Mrs Miss Ms Other Title Mr Mrs Miss Ms Other First names Surname ID number Country of Birth Marital status Number of dependants First names Surname ID number Country of Birth Single Divorced Married Widowed Marital status Single Divorced Married Widowed If married COP ANC If married COP ANC Number of dependants Ethnic group* (compulsory) African White Coloured Indian Ethnic group* (compulsory) African White Coloured Indian Preferred language English Afrikaans Zulu Sesotho Preferred language English Afrikaans Zulu Sesotho Tsonga Tsonga Preferred communication method Tel Fax SMS Post Preferred communication method Tel Fax SMS Post Tel number (home) (CODE) Tel number (home) (CODE) Cell number (CODE) Cell number (CODE) address address Physical address Physical address Postal address Postal address Educational level None Junior Primary Secondary Matric None Junior Primary Secondary Matric Educational level Post Matric Post Matric Employer Details Name of employer Name of employer Employee number Employee number Current position Current position Employment status Permanent Employment status Permanent How long have you been working for your current employer? How long have you been working for your current employer? Employer s address Employer s address Employer s tel. number (CODE) Employer s tel. number (CODE) Previous employer (if current shorter than 2 years) Previous employer (if current shorter than 2 years) Period worked with previous employer Period worked with previous employer First National Bank - a division of Firstand Bank Limited. An Authorised Financial Services and Credit Provider (NCCP20). 1

3 POPETY DETAILS Type of Property Free standing house Sectional title/flat Erf/Stand number Street name and number Town Suburb Province egistering Bond Attorney Contact number Transferring Bond Attorney Contact number Bond / Loan Amount equired Purchase price Price of land Deposit Building cost Loan amount needed Loan amount needed *FLISP Subsidy *FLISP Subsidy Total price Total price BANKING DETAILS Existing FNB client Yes No Name of bank Account name Account number Branch code Existing Home Finance account number Switching Loan Details Name of bank Bond holder s name Loan account number Account balance Estimated property value Existing bond details on this property if already registered in your name (e.g. type of property, Erf/stand number, street name & number, suburb, town, province etc.) Unbonded Property Details Title deed number Valuation Details Contact person Telephone number Cell number Alternative contact detail/person Telephone number Cell number Application Channel Call Centre (direct) Estate Agent Mortgage Originator Branch Where did you find out about Home Finance/FNB Housing Finance? Newspaper Internet FNB.mobi FNB branch TV FNB call centre FNB staff *Finance Linked Individual Subsidy Programme - designed by Government to assist first-time qualifying home buyers. First National Bank - a division of Firstand Bank Limited. An Authorised Financial Services and Credit Provider (NCCP20). 2

4 INCOME AND EXPENDITUE STATEMENT Income - Applicant Income - Co - Applicant Gross basic monthly income Gross basic monthly income Gross overtime Gross overtime Gross subsidy Gross subsidy Gross commission Gross commission Net income (as on pay slip) Net income (as on pay slip) Travelling allowance Travelling allowance Other allowances Other allowances Total net income Total net income Expenses - Applicant Expenses - Co - Applicant Personal loans Personal loans Car instalment Car instalment Bond instalment Bond instalment Overdraft facility Overdraft facility Credit card/s repayment evolving/otating payments (specify) Credit card/s repayment evolving/otating payments (specify) Total other monthly instalments (specify) Total other monthly instalments (specify) Declare living expenses such as Declare living expenses such as groceries, school fees, transport costs, water groceries, school fees, transport costs, water and electricity, etc (specify) and electricity, etc (specify) Total expenses Total expenses Total net income less Total expenses Total net income less Total expenses First National Bank - a division of Firstand Bank Limited. An Authorised Financial Services and Credit Provider (NCCP20). 3

5 DISCLAIME / CONSENTS / DECLAATION 1. Valuation (This condition is not applicable for customers applying for ihome) 1.1 I/We acknowledge that a valuation must be performed for the purpose of establishing whether the fixed property to be mortgaged offers sufficient security for the loan amount applied for 1.2 If the Lender (Firstand Bank Limited eg. No. 1929/001225/06 its order, successors in title or assigns) obtains the valuation then: No warranties are implied nor may be inferred from the valuation; Neither the Lender nor the Valuer is under any obligation to me/us or any other person for the accuracy of the valuation or the stated condition of the property; The valuation and the associated report are the property of the Lender which is under no obligation whatsoever to disclose either of these to me/us and no undertaking is given by the Lender that a physical inspection of the property will be performed 1.3 I/We accept that if I/we wish to ascertain the value of the property or to assess the structural integrity of the property, I/we shall immediately inform the Lender that I/we intend to engage the services of a valuer at my/our own expense 1.4 I/we agree that the Lender is under no obligation to accept such valuation obtained by me/us 2. Credit ecord(s) 2.1 I/We acknowledge that the Lender may access my/our records with the credit reference agencies for the purpose of assessing this application 2.2 I/We consent and authorize the Lender to obtain from and transmit to the Credit Bureau all data relating to my/our credit profile 3. Declaration 3.1 I/We have provided the information required in this application and supporting documents willingly for the purposes of assessing my/our application 3.2 All the information provided by me/us to the Lender is true and correct, and I/we have not withheld any information which would adversely affect the decision of the Lender to grant the loan amount 3.3 By providing the Lender with incorrect or false information may result in me/us being denied the protection offered by the National Credit Act, No. 34 of I/We have not applied for debt review in terms of the National Credit Act 34 of 2005 and I am/we are not subject to an existing administration order issued by a competent court for the management of my/our debts 4. Sequestration 4.1 I/We have not applied for, nor currently under debt review or an existing administration order for the management of my/our debts 4.2 I/We do not have any provisional or final sequestration orders against me/us 5. Personal Information 5.1 I/We consent to the Lender processing (collecting, receipting, recording, collating, retrieving, linking, using, storing, dissemination by means of transmission, distribution or making available in any other form or otherwise dealing with) his or her personal information for the purposes of providing services and products within Firstand Bank Limited and its subsidiaries 5.2 I/We consent to the Lender transmitting all personal information provided by the Customer to OUTsurance Insurance Company Limited, OUTsurance Life Insurance Company Limited - A Member of the and Merchant Insurance Holdings (MI) Group (FSP 896), FNB Life, a division of Momentum Group Limited and/or any other insurer, for purposes of offering insurance products to the Customer* 6. Marketing Consent 6.1 The Firstand Group requests your consent so that we can inform you about our beneficial products and services. You may request us to stop marketing to you at any time. The Firstand Privacy Policy available at informs you how we use your information. 6.2 I/We agree that Firstand Bank Limited can communicate with and market products and services to me/us 6.3 Where I/We have not already provided specific consent: I/We agree that the remainder of the Firstand Group, including its approved partners can communicate with the market products and services to me/us 6.4 Preferred communication method: The Lender may contact me/us by: Post Yes (specify address) No SMS Yes (specify address) No MMS Yes (specify address) No Yes (specify address) No Telephone Yes (specify number) No Cellphone Yes (specify number) No I/We confirm that I/We have read, understood and agree to be bound by the terms and conditions relating to this Home Finance Application. Applicant s Signature Date Co-Applicant s Signature Date Kindly send your application form together with the supporting documents as indicated below: Latest 3-month payslips* Latest 3-month bank statement (if not banking with FNB)* South African green bar coded identity document or Smart ID Card* Permission to occupy the land* Offer to Purchase/Agreement of Sale for the property *Documents required for ihome applications. New Applications / hf.newloan@fnb.co.za Outstanding Documents / hf.newbusiness.fnb.co.za Advance & Further Loans / hf.advances@fnb.co.za If you are switching your bond/s from another institution to FNB, kindly attach a copy of your latest rates and taxes account/s in respect of each property as well as a 6-month statement of your current bond account/s. *For you and your spouse/partner (if applicable). First National Bank - a division of Firstand Bank Limited. An Authorised Financial Services and Credit Provider (NCCP20). 4