Documents for Loan Interview

Identification

Valid government issued identification- any one of the following:

• Drivers License
• Elector Registration ID card (National ID)
• Passport

Proof of address (not to be older than 6 months)

• Utility bill in applicant’s name
• Letter from Justice of the Peace confirming address

Income Verification

• Job Letter (not to be older than 3 months)
• Last 3 months pay slips

Credit Worthiness Assessment

• Signed Consent Form for Credit Bureau Report

Declaration of Assets and Liabilities

• Proof of assets currently owned – real estate title, status letter from mortgage company.
• Proof of liabilities – e.g. statement from Credit Union, NHT or financial institutions, if applicable.

Proof of Income for Self-Employed Borrowers

Where applicable, the following is required as proof of income:

• Audited financial statement or Financial statement done by an Accountant with Tax compliance certificate 
• to support stated Income.
• Signed Business Contract where applicable.
• Bank statements to show evidence of business transactions or income
• Income & Expenditure projections for the project where applicable.
• Voluntary Declaration Form (as last resort)

Information for Motor Vehicle Loans

• Invoice/ Sales Agreement
• Receipt (if down payment has been made)
• Valuation Report from approved valuator (Not applicable for brand new vehicle)
• Fitness, Registration Certificates (for used motor vehicle)
• Copy of Title both sides (where applicable)
• Copy of C78/Import Entry for imported vehicle
• Permission from Trade Board for members who gets duty concession.

Information for Real Estate Loans

• Signed Sale agreement
• Up to date property tax receipt
• Proof of equity
• Valuation Report from approved valuator
• Copy of title
• Surveyor’s Report

Home Improvement:

• Bill of quantity (home improvement)
• Contractor’s Estimate

Unsecured Loans

• All the personal information above
• Proof of Purpose.