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)
- Import Entry
- 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.
