APPLICATION FOR A MORTGAGE LOAN
SECTION 1: ALL APPLICANTS FOR OFFICE USE ONLY
DATE: A. Name(s) in full under which application made:
B. Postal address to which correspondence is to sent:
C. Please state account numbers of any accounts held with the Society:
Mortgage: Savings:
Special Saving:
Gold Account:
Fixed Deposits / Shares
Other:
D. Name and address of bankers:
E. Type of account held and account numbers:
F. Details of other immovable property owned:
G. Names, addresses and telephone number of two referees (excluding employers
and bankers) to whom the Society may apply for references:
CUSTOMER NUMBER A p p ro v e d / D e c li n e d : A p p li c a ti o n N o . A p p ro v e d A m o u n t: Lo a n M e e ti n g S c h e d u le : S ig n e d b y : D a te : P ro c e e d t o v a lu a ti o n H o ld f o r In fo rm a ti o n S c h e d u le N o t R e c o m m e n d e d , O u ts id e S B S L e n d in g P o li c y *D e le te i n a p p li c a b le c la u se
A. TITLE: Mr/ Mrs/ Miss:
B. Surname:
C. First Names (in full): D. Postal Address:
SECTION 2: DETAILS OF INDIVIDUAL APPLICANT OR FIRST JOINT APPLICANT FOR OFFICE USE ONLY
E. Residential Address:
F. Employer’s Name:
G. Employer’s Postal Address:
H. Graded Tax / ID Number:
I. Telephone Number (Home): J. Telephone Number (Work): J. Telephone Number (Cell):
J. Telephone Number (email): K. Gender: L. Marital Status:
M. Is the applicant married in community of property?: Yes/ No
(If applicant is a married woman, her husband would be required to join the mortgage as surety and co-principal debtor)
N. Citizenship: O. Date of Birth: P. Job Title:
Q. *Gross Salary / Income Per Annum: R. **Details of other Annual Income:
S. Are you a member of a pension fund?: Yes/ No T. State name and administration of the pension fund:
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U. Length of Service: years (if less than 3 years.)
Name of previous Employer:
V. Details of any current Live Assurance or Endowment Policies:
Policy No. Name of Insurer Sum Assured Mature Date
*Salary advice slip or letter from employer ** Proof of income
A. TITLE: Mr/ Mrs/ Miss:
B. Surname:
C. First Names (in full): D. Postal Address:
SECTION 3: SECOND APPLICANT OR SPOUSE FOR OFFICE USE ONLY
E. Residential Address:
F. Employer’s Name:
G. Employer’s Postal Address:
H. Graded Tax / ID Number:
I. Telephone Number (Home): J. Telephone Number (Work): J. Telephone Number (Cell):
J. Telephone Number (email): K. Gender: L. Marital Status:
M. Is the applicant married in community of property?: Yes/ No
(If applicant is a married woman, her husband would be required to join the mortgage as surety and co-principal debtor)
N. Citizenship: O. Date of Birth: P. Job Title:
Q. *Gross Salary / Income Per Annum: R. **Details of other Annual Income:
S. Are you a member of a pension fund?: Yes/ No T. State name and administration of the pension fund:
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U. Length of Service: years (if less than 3 years.)
Name of previous Employer:
V. Details of any current Live Assurance or Endowment Policies:
Policy No. Name of Insurer Sum Assured Mature Date
*Salary advice slip or letter from employer ** Proof of income
A. Name of Business:
B. Nature of Business:
C. Names of Partner / Proprietors : D. How long owned by you:
Initials of Applicant: SECTION 4: SELF EMPLOYED APPLICANTS
FOR OFFICE USE ONLY
E. Net Income:
*Audited Financial Statements or Tax assessment must be attached * Proof of regular savings in the case of Informal Business
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A. Trading Name (if different from name of Applicant):
B. How long has the Company/Association been operating?:
Net Annual Profit (latest Audited Accounts must be attached) E
C. is the Company/Association registered in Swaziland?: Yes /No SECTION 5: COMPANIES OR ASSOCIATIONS
(In the case of an application by a company/Association the following must be attached)
Address of its Registered Office
The Names, Addresses & Telephone numbers of Directors Directors’ Nationality and their shareholdings
Memorandum and Articles of Association
Certificate of Incorporation
A. Amount of Loan requested: E on the years scale
B. Purpose of which loan is required (tick where applicable):
Purchase vacant land Residential/Commercial SECTION 6: ALL APPLICANTS
FOR OFFICE USE ONLY
Other (give details)
Purchase current property Residential/Commercial
Building Loan Residential/Commercial
C. Amount of cash found by the applicant: E Initials
The answer to this question is to be the amount of the applicant’s own money and not any that may be found by way of second bond, promissory not, private loan or otherwise. It is important that this question should be answered correctly and initialed. The Society may require production of the signed receipt given by the vendor for the deposit.
D. Is any additional immovable security available if required? (State Details)
E. Is the property to be bought already mortgaged or changed? If so, to whom and
for what amount?
F. Name and address of present owner?
G. Name of Builder? If Known (where applicable)
H. Is the property insured? Yes/No
Name of Insurance Company?
Tel:
I. In whose possession are the Title Deeds?
J. Name of Attorney passing transfer?
K. Do you intend to occupy the property? Yes/No L. Annual Gross Rent (If Property is Rented)? E
M. Details of properties to be mortgaged:
Stand or Plot Number: Surburb:
FOR OFFICE USE ONLY
Street:
Town:
N. Building types: (private dwelling house, flat, shops, business premises, etc: M. Details of properties to be mortgaged:
Stand or Plot Number:
Surburb:
Street:
Town:
O. Are there any servitudes, rights of way or special restrictions on the property other
than general conditions imposed by the Local Authority? If So, state what nature:
SECTION 7: EXISTING PROPERTY
NOTE: Section 7 is to be completed only if the premises are complete and ready for
occupation.
A. State year of purchase and price: Price: E B. Has an occupation certificate been granted? Yes/No
C. Year built:
D. Municipal Valuation: Land E Buildings E Annual Rates: E
E. Do you intend making any structural alterations or additions to the property?
F. (i) Are services connected (specify type)
Water: Electricity: Drainage:
F. (ii) Are sanitary arrangements in perfect order and acceptable? Yes/No
A. Cost of land:
B. Is the land owned by you?: Yes/No
C. Contract price. Estimated Cost of Building
SIGNATURE(S):
SECTION 8: PROPERTY TO BE BUILT OR COMPLETE AT THE TIME OF APPLICATION FOR OFFICE USE ONLY
F. Name of Architect supervising construction? D. Professional Fees (Architect, Engineer, Q.S.)
E. Total
G. Are plans passed by Local Authority? Yes/No
I/We confirm it is clearly understood that the report on the property by the Society’s valuer is confidential to the Society, is intended solely for the information of the directors in determining what loan, if any, may be made on the security and that no responsibility is implied or accepted by the Society for either the value or condition of the property by reason of such an inspection and report, and valuation fee is not refundable. The society may make such enquiries including reference to my / our past and present employers or any other person or organization as it considers necessary.
I/We are aware that the Society will ensure the property in terms of the mortgage bond against such risk and for such amount as the directors shall from time to time determine. In the event of any loan being granted and accepted by me/us, I/We agree to be bound by the rules of the Society and undertake to sign all such documents as may be required to secure the Society and to pay all costs in connection therewith including costs of inspection.
It is understood that neither approval of the application nor the making of the loan nor the valuation any property of building by the society’s representatives shall be construed as a warranty on the part of the Society as to the value of such property or building.
I/We have no acknowledge of white ants, bores, beatles, dry rot decay, latent or patent defects, etc in any building on the property concerned.
I/We declare the foregoing statements are particularly to the true and the same shall form the bases of any arrangement for a loan (if any), made to me/us by the Society.
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H. Name of Builder:
I. What stage, if any, has been reached in construction?
J. What types of services are to be connected:
Water: Electricity: Drainage:
In the case of building loans please attach:
*Plans drawn by, or countersigned by a Registered Architect and a Site Plan *3 x Builders’ Quotations or Architect’s budget estimate of Costs.
DECLARATION APPLICATION FEE PAID E DATE: VALUER: E TRANSFER COSTS: E BOND COSTS:
(FOR OFFICE USE ONLY)
LOAN AMOUNT DETAILS
(VACANT & EXISTING PROPERTY)
NOTES
BANKER’S REPORT: I.T.C REPORT:
OTHER COMMENTS:
A. Price of Property
B. Less: Borrower’s Contribution ( %) C. Sub-Total
D. Cost of repairs and alterations Total Loan Applied for
Loan as a % of Valuation E. Bond and transfer costs
E E E E E ( %) E
