APPLICATION FO HOME LOAN LOAN DETAILS Mark/select applicable block(s) and complete where necessary) Purpose of loan First loan If first, select: Property purchase New development Switch Existing unbonded property Further loan If further, select: Improvement Debt consolidation Lifestyle/ e-advance If other, select: Endorsement Building loan Are you a first time homebuyer? Yes No If further loan, do you wish to retain available transfer scope? Yes No Purchase price Loan amount required Amount to be registered ate type Variable rate Fixed rate (if available), select fixed rate term 1 year 2 years 3 years 5 years Preferred term 240 months (months) Payment method Debit order Salary stop order Scheme name (if applicable) Collateral guarantee amount (if applicable) Initiation fee Applicant may pay the fee upfront at the time of signing the legal documents at the attorney's offices. (Nedbank's recommended option.) Applicant may add the fee to the loan amount and repay the fee over the full period of the loan. This option means the client will pay interest on the fee at the quoted interest rate. (Subject to Credit Policy) POPETY DETAILS Property title Freehold Sectional title Leasehold Property usage Primary residence Secondary residence Investment Business/Commercial Property type House Flat Cluster Vacant land Townhouse Small holding Property description Erf no Portion no Suburb Complex name Unit no Section no Street no Street name Extension City/town Structure Brick Timber oof Tile Tin Thatch If yes, is it within 10m of If yes, is it greater than 10% Does the property being purchased have a lapa? Yes No the house? Yes No of m 2 of the house? MAIN APPLICANT Existing home loan account numbers (if applicable) Applicant type Natural person Trust Company Close Corporation Name in which property is/will be registered Juristic registration number (if applicable) Name of representative (if applicable) Main applicant Title First name(s) Surname Marital status Single Married Divorced Widowed Yes No If married, marriage type in COP* out of COP*, excluding accrual out of COP*, including accrual (*community of property) Under customary law Under foreign law (specify) Gender Male Female Preferred language English Afrikaans Sotho Xhosa Zulu SA citizen? Yes No If not an SA citizen, please specify nationality? If not an SA citizen, do you have a work permit? Yes No Date of birth ID/Passport no Permanent residence no ace (for statistical purposes) Black Coloured Indian White Current residential address Period at current address Years Months Period at previous address Years Months Current postal address Future residential address Date new address becomes valid Future postal address Nedbank Limited eg No 1951/000009/06, 135 ivonia oad, Sandown, Sandton, 2196, South Africa. Services. We are an authorised financial services provider. We are a registered credit provider in terms of the National Credit Act (NC eg No NCCP16). Page 1 of 6 ApplicationforHomeloan 9 47 ENG13.dot 14Oct10 11:05
Contact details Cell no Work telephone no ( ) Fax no ( ) Home telephone no ( ) Email address Alternate contact person Name Tel no ( ) elationship Employment details Self employed? Yes No Occupation Employer type Listed company Private company Close Corporation Public sector Non-profit organisation Partnership Sole proprietor Employment sector (eg Agricultural, Finance, Mining, provide full details) Present employer Employment period Years Months Employee no Commission earner? Yes No Previous employer Employment period Years Months ASSETS AND LIABILITIES, INCOME AND EXPENDITUE MAIN APPLICANT ASSETS (Specify: if applicable, details of assets i.e. purchase price, current value, erf number, address, suburb) Fixed property Vehicles Current account Investments *Note: If insufficient space please provide signed supporting annexure. Total assets LIABILITIES Is this debt to be settled from Amount owing Facility limit Credit provider proceeds of the loan? (If yes, specify amount to be settled). Current monthly payment Mortgage Car loan Overdraft etail accounts Sub totals Total liabilities AVEAGE MONTHLY INCOME Gross basic salary Fringe benefits/allowances AVEAGE MONTHLY EXPENDITUE salary income (eg commission) Total gross income Deductions (eg pension fund, tax) (less) Net salary ental income income (eg please specify) (specify) All contractual debt Total monthly payment from LIABILITIES section above House ates and taxes Water and electricity Maintenance (eg house, garden services) Vehicle Petrol and maintenance Insurance House, car and life Living expenses Groceries and clothing Domestic wages Education Entertainment (eg telephone, TV subscriptions) All other expenses (eg provisional tax) Total net income A Total expenditure B Net surplus income = (A - B) Nedbank Limited eg No 1951/000009/06, 135 ivonia oad, Sandown, Sandton, 2196, South Africa. Services. We are an authorised financial services provider. We are a registered credit provider in terms of the National Credit Act (NC eg No NCCP16). Page 2 of 6 ApplicationforHomeloan 9 47 ENG13.dot 14Oct10 11:05
Additional information Please specify total number of household dependents? Do you have any home loan applications in progress on other properties? Yes No If yes, please specify: Loan amount Purchase price Bank/Institution name: Status: (eg application, approved, declined) Have you applied for credit in the last 60 days (other than this application)? Yes No If yes, please specify: Credit type: (eg Credit card, Vehicle finance): Loan/Facility amount: Status: (eg application, approved, declined) Bank/Institution name Have you signed surety/guarantee for any other debt? Yes No If yes, please specify: Credit type: (eg Home loan): Surety/Guarantee amount Bank/Institution name Have you ever been declared insolvent? Yes No If yes, state: Date insolvent Date rehabilitated Do you have any disputes with the credit bureaus? Yes No Are you currently insolvent/under judicial management/debt review/curatorship? Yes No If yes, provide details Will you be relying on any non-applicant to contribute to the bond repayments? Yes No If yes, please specify: Monthly contribution What is the source of funds for payment of the deposit and transfer costs? Savings Sale proceeds Personal loan Family/Friend Developer Does the purchase price on this property include any benefits which will accrue to the purchaser (eg. developer cash back)? Yes No Do you have any relationship with the seller of the property? Yes No Banking details Type of account Savings Current Credit card Bank name Branch name Account holders name Branch code Bank account no CO-APPLICANT/SUETY (if applicable) Type Co-applicant Surety Co-applicant/ Surety name Title First name(s) Surname Marital status Single Married Divorced Widowed If married, marriage type in COP* out of COP*, excluding accrual out of COP*, including accrual (*community of property) Under customary law Under foreign law (specify) Gender Male Female Preferred language English Afrikaans Sotho Xhosa Zulu SA citizen? Yes No If not an SA citizen, please specify nationality? If not an SA citizen, do you have a work permit? Yes No Date of birth ID/Passport no Permanent residence no ace (for statistical purposes) Black Coloured Indian White Current residential address Period at current address Years Months Period at previous address Years Months Current postal address Future residential address Date new address becomes valid Future postal address Contact details Cell no Work telephone no ( ) Fax no ( ) Home telephone no ( ) Email address Alternate contact person Name Tel no ( ) elationship Employment details Self employed? Yes No Occupation Employer type Listed company Private company Close Corporation Public sector Non profit organisation Partnership Sole proprietor Employment sector (eg Agricultural, Finance, Mining, provide full details) Nedbank Limited eg No 1951/000009/06, 135 ivonia oad, Sandown, Sandton, 2196, South Africa. Services. We are an authorised financial services provider. We are a registered credit provider in terms of the National Credit Act (NC eg No NCCP16). Page 3 of 6 ApplicationforHomeloan 9 47 ENG13.dot 14Oct10 11:05
Present employer Employment period Years Months Employee no Commission earner? Yes No Previous employer Employment period Years Months ASSETS AND LIABILITIES, INCOME AND EXPENDITUE CO-APPLICANT/SUETY (if applicable) ASSETS (Specify: if applicable, details of assets i.e. purchase price, current value, erf number, address, suburb) Fixed property Vehicles Current account Investments *Note: if insufficient space, please provide signed supporting annexure. Total assets LIABILITIES Is this debt to be settled from Amount owing Facility limit Credit provider proceeds of the loan? (If yes, specify amount to be settled). Current monthly payment Mortgage Car loan Overdraft etail accounts Sub totals Total liabilities AVEAGE MONTHLY INCOME Gross basic salary Fringe benefits/allowances salary income (eg commission) Total gross income Deductions (eg pension fund, tax) (less) ental income AVEAGE MONTHLY EXPENDITUE Net salary income (eg please specify) (specify) All contractual debt Total monthly payment from LIABILITIES section above House ates and taxes Water and electricity Maintenance (eg house, garden services) Vehicle Petrol and maintenance Insurance House, car and life Living expenses Groceries and clothing Domestic wages Education Entertainment (eg telephone, TV subscriptions) All other expenses (eg provisional tax) Total net income A Total expenditure B Net surplus income = (A - B) Additional information Please specify total number of household dependents? Do you have any home loan applications in progress on other properties? Yes No If yes, please specify: Loan amount Purchase price Bank/Institution name: Status: (eg application, approved, declined) Have you applied for credit in the last 60 days (other than this application)? Yes No If yes, please specify: Credit type: (eg Credit card, Vehicle finance): Loan/Facility amount: Status: (eg application, approved, declined) Bank/Institution name Have you signed surety/guarantee for any other debt? Yes No If yes, please specify: Credit type: (eg Home loan): Surety/Guarantee amount Bank/Institution name Have you ever been declared insolvent? Yes No If yes, state: Date insolvent Date rehabilitated Do you have any disputes with the credit bureaus? Yes No Nedbank Limited eg No 1951/000009/06, 135 ivonia oad, Sandown, Sandton, 2196, South Africa. Services. We are an authorised financial services provider. We are a registered credit provider in terms of the National Credit Act (NC eg No NCCP16). Page 4 of 6 ApplicationforHomeloan 9 47 ENG13.dot 14Oct10 11:05
Are you currently insolvent/under judicial management/debt review/curatorship? Yes No If yes, provide details Will you be relying on any non-applicant to contribute to the bond repayments? Yes No If yes, please specify: Monthly contribution What is the source of funds for payment of the deposit and transfer costs? Savings Sale proceeds Personal loan Family/Friend Developer Does the purchase price on this property include any benefits which will accrue to the purchaser (eg. developer cash back)? Yes No Do you have any relationship with the seller of the property? Yes No Banking details of co-applicant/surety Type of account Savings Current Credit card Bank name Branch name Account holders name Branch code Bank account no BUILDING O DEVELOPMENT LOAN DETAILS Land price Amount owing on land Building contract price Contractor First Name Surname Tel no ( ) Cell no NHBC registration no HOME OWNES COVE (Not applicable to Vacant land or Sectional title properties) It is a condition of the loan agreement that you have or take out property insurance. (Please indicate your choice by selecting the relevant option.) Nedbank insurance External insurance If external, please specify the insurer name LOAN POTECTION ASSUANCE (Life Cover) Do you require life cover? Yes No If life cover is a loan requirement, do you wish to cede a policy? Yes No SELLE DETAILS First name Surname ID no Bond institution Account no Tel no ( ) Property Valuation (Details of person who is to be contacted to gain access in order for a property valuation to be conducted) First name Surname Designation (seller, estate agent, applicant) Tel no ( ) Cell no Transferring attorney Name Contact person Tel no ( ) DECLAATIONS I/We warrant and confirm that I/we have fully and truthfully answered all questions and responded to requests for information in this application as part of Nedbank's assessment process and that I/we have fully disclosed my/our current financial position. I/We hereby consent to Nedbank i) obtaining and utilising such credit bureau records and information as Nedbank requires for credit, risk and affordability assessment as well as tracing purposes and any other purposes contemplated by the National Credit Act ('the Act'); ii) reporting or releasing such information to any other person to the extent permitted or required by the Act, other national legislation or provincial legislation, or an order of the court or the national consumer tribunal established by the Act; iii) furnishing my/our personal information to NedLife and/or Nedgroup Insurance Company for the purpose of obtaining insurance policies. The approval of this application will be conditional upon your compliance with Nedbank's credit requirements in respect of both property and life insurance. Signed by or for and on behalf of main applicant(s) Signed by or for and on behalf of co-applicant/ surety Warranty by originator: (if applicable) The originator warrants that this application and supporting documentation is submitted by the originator on behalf of the applicant/s with the applicant/s knowledge and consent. The originator warrants that the applicant/s have chosen the mortgage originator s address for delivery of the quotation to the applicant/s. If signed on the applicant/s behalf, the originator warrants that it has been duly authorised by the applicant/s for this purpose. The originator further warrants, to the best of its knowledge, that the documentation/information submitted by the applicant/s in support of the application is not fraudulent, incorrect or misleading Company name Contact person Tel no ( ) Signed by or for and on behalf of the originator FO BANK USE ONLY Existing client information details (CIS) to be attached and confirmed by client(s) CIS no Date elationship manager/dca no 913 Employee no Branch name NEDBANK CESTA Branch code 913 Domicile branch CESTA Contact email address benitas@nedbank.co.za Name of external sales consultant/branch staff member BENITA SAYED - 0842995495 Vendor no GEN001 Contact tel no (011) 8583300 Nedbank Limited eg No 1951/000009/06, 135 ivonia oad, Sandown, Sandton, 2196, South Africa. Services. We are an authorised financial services provider. We are a registered credit provider in terms of the National Credit Act (NC eg No NCCP16). Page 5 of 6 ApplicationforHomeloan 9 47 ENG13.dot 14Oct10 11:05
STANDAD DECLAATION NATUAL PESONS LEGAL AND GENEAL INFOMATION While Nedbank Group Limited and all its subsidiaries and associates and its cessionaries, delegatees or successors in title (collectively 'Nedbank') are constantly striving to provide a service that is intended to make your banking as easy and convenient as possible, all South African banks are legally obliged to verify, including identity verification with statutory bodies, and retain information received from you. Apart from the information you will provide in your application, Nedbank may therefore require additional documentation and information from you. Where the words 'I', 'me', 'my', 'you' and 'your' are used, these also refer to entities other than natural persons in the event that such entities are represented in this document. PIVACY CONSENT I provide my express consent to Nedbank to process my personal information as defined in legislation, including fingerprints, biometric personal identification details, photographs and identity verification in terms of the Financial Intelligence Centre Act of 2001, for purposes of providing financial services and preventing fraud and money laundering, and to send my personal information to third parties in order to provide a service to me, and also to send such information to foreign countries, when necessary, by electronic or other means for processing. I understand that such countries may not have specific data privacy laws. FUTHE POCESSING 1 Nedbank may search, update or place my records at credit reference bureaus and government agencies in order to verify my identity, assess my ability to obtain credit or to provide collateral of any kind, including guarantees or suretyships, and may, on request from another credit provider with whom I have applied for credit, provide my personal information, including my credit reference data, to such credit provider and also make any enquiries that it deems necessary to confirm the details on this form for marketing purposes and to assess my creditworthiness. 2 Nedbank may use my personal information for debt enforcement, including but not limited to recovery, collection, repayment, surrender, enforcement and cession of debts. 3 I confirm that I have fully disclosed my debt repayment history. COMMUNICATION AND MAKETING 1 I would like Nedbank to inform me of new Nedbank products and special offers. Yes No 2 I would like Nedbank to present exclusive offers from other organisations to me. Yes No 3 Nedbank may request reputable research organisations to contact me. Yes No 4 My preferred method of communication is as follows: Email SMS Direct mail Telephone All 5 Nedbank may use a method of communication other than that preferred by me as well as my personal information to market its products to me, including electronic marketing and telesales, until I give an instruction to the contrary. Yes No CONFIMATION 1 Nedbank has explained this application form, the product and costs, where applicable, to me and I confirm that I fully understand the contents thereof and that I am completing it of my own free will. 2 I warrant that I have fully answered all questions and responded to requests for information truthfully as part of the assessment process, and that I am not aware of any other information that may affect this application negatively. 3 Nedbank may undertake identity and fraud prevention checks and share information relating to this application with South African Fraud Prevention Services. 4 All consents provided in this document will survive any contractual relationship that I have with Nedbank, unless I provide written notice to Nedbank that I have cancelled such consents. Signatures Signed at on / / (place) (day) (month) (year) Applicant Spouse (if married in community of property) Legal guardian (if unemancipated minor) Surety, guarantor or coapplicant Signature of administrator (if under administration) Nedbank Limited eg No 1951/000009/06, 135 ivonia oad, Sandown, Sandton, 2196, South Africa. Services. We are an authorised financial services provider. We are a registered credit provider in terms of the National Credit Act (NC eg No NCCP16). Page 6 of 6 ApplicationforHomeloan 9 47 ENG13.dot 14Oct10 11:05