consumer loan and overdraft application form …...consumer loan and overdraft application form...
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Consumer Loan and Overdraft
Application Form
Dnister Ukrainian Credit Co-operative
Dnister Ukrainian Credit Co-operative
Head Office : 912 Mt Alexander Road (PO Box 279) Essendon VIC 3040 (03) 9375 1222
Adelaide Branch : 62 Orsmond Street (PO Box 260) Hindmarsh SA 5007 (08) 8346 6174
Geelong Branch : 3/29-35 Milton Street Bell Park VIC 3215 (03) 5278 5950
Perth Agency : PO Box 154 Maylands WA 6051
www.dnister.com.au | [email protected]
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 1 of 13
www.dnister.com.au
Evidence of income
Purchase or refinance home (investment property)
For rental income, evidence by way of lease agreement or Real Estate Statement
Your most recent credit/store card statements
TOTAL LOAN AMOUNT $ 0.00
Home improvements (investment property)
Loan Term
$
$
Commercial / Business purposes
If refinancing from another financial institution, a minimum of your previous six months loan transaction statements.
Other - ie. Share investments
Guarantor (2)
What is the purpose of the loan and what are your requirements and / or objectives?
Amount required :
Applicant (1)
years
$
$
$
$
$
Details of your superannuation
PART 1 - Details
Guarantor (1)Member Number
No YesDo you wish to combine an existing loan?
Motor Vehicle purchase
Debt consolidation - loans and/or credit cards
Comments:Please indicate the intended purpose of the loan :
$
$
Full Name Full Name
PART 2 - New Loan Purpose
Construct home (investment property)
$
Consumer Loan and Overdraft
Application Form
Evidence of assets and liabilities
If purchasing a property
Copy of Contract of Sale for the property Complete Part 7 of this application
For constructions
For self-employed applicants, your financial statements, Tax Returns and Notices of Assessment for the 2 most recent financial years
Your most recent rates notice for property that you own detailing the capital improved value
Your previous three months transaction account statements (for accounts not held with Dnister)
Details of your personal/home/vehicle insurance
PART 3 - Checklist
For full time, part time and casual employees, two of your three most recent payslips
For all other income, e.g. dividends, your most recent Tax Return and Notice of Assessment
Purchase or refinance home (owner occupied)
Construct home (owner occupied)
Home improvements (owner occupied)
Member NumberApplicant (2)
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 2 of 13
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PostcodeSuburb State
Other
Full Name
As above OR
Other
@ @
State
Address
Residential Status Residential Status
Owner Renting Boarding Paying Mortgage Other Boarding
Postcode
Address
Suburb State
As above OR
Paying Mortgage
Renting Boarding Paying Mortgage
FemaleMale Female
Email address
Residential Status
Paying Mortgage
/
Previous Residential Addresses ( if less than 3 years at current address)
Postcode
Postcode Suburb
Mobile Number Fax Number
Home Phone Number
Mobile Number
Mailing Address
Street Number
Street Number
Work Phone Number
No of years at current residential address
Postcode
Owner Renting
years
Driver's licence number
Address
Street Number
Work Phone Number
Fax Number
Mailing Address
Postcode
State
No of years at current residential address
State
Unit Number
Date of Birth (DD/MM/YYYY)
Male
Suburb State State
Unit Number
Mother's maiden name
Address
Suburb Postcode
/ /
Suburb
Address
Unit Number
Current residential address
Suburb
Email address
Street Number Unit Number
Home Phone Number
Mother's maiden name
Applicant personal details
Current residential address
Driver's licence number
Full Name
PART 2 - applicant or guarantor personal details
State
Country of Birth Country of Birth
Date of Birth (DD/MM/YYYY)
/
Applicant personal details
Unit Number
years
Suburb
OtherOwner Renting
Previous Residential Address ( if less than 3 years at current address)
Postcode
Address
Residential Status
Owner
Street Number
Boarding
Unit Number Street Number
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 3 of 13
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1 year
2 years
3 years
Marital Status
Employment
Redraw Facility
Redraw Facility
CueCard / Eftpos Facility
Note : If internet banking redraws
ARE NOT required, please complete
a Redraw Facility Authority Form to
disable the service.
Other
Standard Variable Home Loan
Student Social Benefits
PART 4 - Employment and Marital Status
Equity Access Facility
Personal Overdraft
Premier Personal Loan (Secured)
Personal Loan (Unsecured)100% Offset Account
Interest Only LoanP
Account No: SAV
Please attach the overdraft facility to :P
Please select your Loan Type
Variable Interest Rate
4 years
Please select your Loan Features
PART 3 - Loan Type
Premier Home Loan
Fixed Term
Employment
Marital Status
Full-time Part-time Casual/Temp
OtherOther
Married De facto Single Other Married De facto Single
Employer
Position
Full-time Part-time Casual/Temp
Employment Category Employment Category
Position
Employer
Industry
Suburb
Industry
State Postcode Suburb State Postcode
Suburb State Postcode
Previous Employer Address
Suburb
Employer Address Employer Address
Number of years with current employer
Phone Number
Previous Industry
Phone NumberPhone Number
Previous Employer
Phone Number
Number of years with current employer
Previous Employer
Previous Position
I understand that Dnister is required to confirm my employment details,
accordingly I give my permission.
I understand that Dnister is required to confirm my employment details,
accordingly I give my permission.
If less than 3 years at current employer, details of previous employer If less than 3 years at current employer, details of previous employer
Previous Employment Previous Employment
State Postcode
Previous Position
Previous Industry
Previous Employer Address
Self-employed Unemployed Home Duties
Salary Student Social Benefits
Self-employed Unemployed Home Duties
Salary
P5 years
P
Cheque Book Facility
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 4 of 13
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NET ASSETS (A) - (B) $ 0.00
Present Value($)
Present Value($)
Current Balance($)
Debt or loan detail(s) including Financial institution if applicable
Owner Address
PART 5.1 - Assets (What you own)
Motor Vehicle(s)
Registered to Make / Model / Year
$
$
Home and Investment Properties
$
$
$
Owner
$
$
Savings
$
$
Other Assets
Description
$
$ 0.00TOTAL (ASSETS) VALUE OF WHAT YOU OWN (A)
PART 5.2 - Liabilities (What you owe)
Home and Investment Loan(s)
Goodwill of Business (Estimated value) $
$
Sundry Assets (not be included in above Asset Table)
Superannuation (Estimated current payout) $
Home Contents (Insured value) $
$
$
$
Credit / Store Cards
TOTAL (LIABILITIES) VALUE OF WHAT YOU OWE (B) $ 0.00
$
Personal Loans or other debts and liabilities
Borrower(s)
Financial Institution and type of cardBorrower(s)
Borrower(s)
Account Owner
$
$
$
Present Value($)
$
$
Limit
Financial institution and type of loan
$
Financial Institution
$
Current Owing ($)
$
$
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 5 of 13
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Property (1) Owner(s)
Vin No Vin No
PROPERTY
Owner(s)Property (2)
StateSuburb Postcode Suburb State Postcode
$Self Tenants
State
$
Address Address
Address Address
Suburb State Postcode Suburb
$
Postcode
Occupants of property (3)
Occupants of property (2)
Self Tenants
Construction Address
/ /
Plans and specifications (building permit, council approval plans)
Occupants of property (1)
$
Estimated security value ($)
Owner builder / subcontractor
Engine No
Only complete this section if this application is for constructions.
Purchase Price
Estimated security value ($)
PART 7 - Constructions
If you intend to offer a motor vehicle as security for a loan, it is important that you provide the following details. You will also need to provide a copy of the current
insurance policy and proof of ownership.
Make
Owner(s)Property (3) Owner(s) Property (4)
State Postcode
Signed fixed price building contract
MOTOR VEHICLE (2)
Total Cost of Construction
The following documents are required for construction of a new house and may be required for a home extension:
$ $
Plans and specifications (building permit, council approval plans)
Estimated Completion Date
$
PART 6 - Security
Registration No
YearYear
Contact name
Solicitor's / Conveyancer's details (where applicable)
Name of Firm
Address
Please provide details of security offered (attach purchase contract if applicable and details of solicitor handling the purchase)
Estimated security value ($)
Self Tenants
Model
@
Registration No
Quotations and estimates
Registered builder
Home Extension
Soil test and quantity survey
Expenditure budget
Work timing schedule
Estimated security value ($)
Self Tenants
Suburb
Make
Occupants of property (4)
Engine No
Purchase Price
Telephone Fax
New Home
Building and indemnity insurance
Copy of builders insurance - to be provided prior to funding
MOTOR VEHICLE (1)
Model
OTHER SECURITY
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 6 of 13
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SURPLUS FUNDS (B minus A)
0.00 $
This Loan Amount $
Groceries
Entertainment
* As a guide, adopt 5% of purchase price
Funds in Hand
$ 0.00 $ 0.00
Other
0.00
TOTAL USABLE FUNDS = A - ( B + C )
TOTAL (A) minus $ 0.00 $ 0.00
TOTAL (B) plus $ 0.00
$
$
$
$
TOTAL (C)
$ 0.00TOTAL FUNDS REQUIRED (A)
$
Deposit Paid
TOTAL FUNDS AVAILABLE (B) $
Other
Other
0.00
$
Other (e.g. gift) $
$
$
Other
$
$
$
$
Other
Govt. Assistance (eg FHOG) $
$
$ 0.00 $ 0.00
TOTAL (C)
$
$
$
TO BE COMPLETED BY DNISTER
$ 0.00TOTAL (B)
$
$ $
$
$
Current
$ $
$
Home / Investment
INCOME (A) - MONTHLY
$
Gross Monthly
Less Monthly Expenses
Net Rental Income
Less Monthly Expenses
Telecommunication / internet
$
$
$
$
$
$
Your Legal Costs (e.g. your solicitor fees)*
$
$
$
$
$
$
$
PART 9 - Funding Table
$Purchase, Contract Price or Estimate
Payout other Loans (inc. all payout fees)
TOTAL (A)
Other Costs (e.g. rates, CCI insurance)
Net Proceeds from Previous Settlement
$
Other income (i.e. dividends, interest, govt, allowances)
Proposed rental income
$
PART 8 - Monthly Budget
$
New*
monthly repayment
$ $
$
Applicant or Guarantor (2) monthly repayment
$
$
$
Health Insurance
Utilities (Gas, Electricity)
0.00
Insurance Vehicle(s)
Estimated Funds Required
$
This column is used to
calculate your new
monthly expenses post
funding of your loan.
REPAYMENTS / EXPENSE (B) - MONTHLY
Applicant or Guarantor (1)
EXPENSES (C) - MONTHLY
Monthly Rent $
$
0.00
$
$ 0.000.00
$
$
$
$
$
Cash / Savings
$
$
TOTAL USABLE FUNDS
$
$
$
Credit / Store cards$
Current monthly rental income
Monthly NET Salary
$
$
School Fees / Childcare
Insurance House / Contents
Net Rental Income
$ $
LMI Premium (if applicable)
Other debts
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 7 of 13
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Fixed Term Deposit Products
ATM and EFTPOS Account
Community Saver
Please indicate which method you would like to use to make your loan repayments :
Are any applicant(s) or guarantor(s) a guarantor for another person's loan / debt?
Payroll deduction
Yes No
PART 15 - Additional Information
You can be protected for Death, Disability (or Accident & Sickness) and Involuntary Unemployment or a combination of the three. You will need to arrange your
own cover with an insurer of your choice.
PART 14 - Other Products and Services
No
PART 10 - Repayment Options
Periodical payment from my Dnister account - SAV
Monthly
FortnightlyPeriodical payment start date :
Credit Protection Insurance and Disclaimer
PART 11 - Nomination to Receive Notices
(insert full name of borrower) is nominated to receive notices and other documents under the
National Credit Code on behalf of me/all of us. If you do not wish to nominate please leave blank.
PART 12 - Credit Protection and General Insurance
Weekly
IMPORTANT: Each debtor/mortgagor/guarantor is entitled to receive a copy of any notice or other document under the National Credit Code. By signing this
form, you are giving up the right to be provided with information direct from Dnister Ukrainian Credit Co-operative. Any person who has signed this application
can advise Dnister at any time in writing that they wish to cancel any nomination provided.
Have any applicant ever been declared Bankrupt or had a Court Order made against you for non payment of a debt?
Are there any unsatisfied judgements / legal action against any applicant?
If you answered YES to any of the above please provide details below:
PART 16 - Business Purpose Declaration
Yes
PART 13 - Financial Planning
No Yes
No YesHave any applicant(s) entered into a Scheme of Arrangement for debt repayment?
Have any applicant(s) had property repossessed?
Dnister provides a wide range of banking products and services for its
members. Please indicate if you are interested in obtaining additional
information in relation to some of these attractive services.
Dnister utilises the services of Bridges Financial Services Pty Ltd to provide members with Financial Advice.
A consultation may be arranged with a local Bridges planner. Would you like Dnister to arrange an
appointment?
High Interest Online Savings Accounts
YesNo
No Yes
Is the purpose of the loan wholly or predominantly for personal, domestic or household use or for investment in residential property?
Yes (Regulated Loan - Skip Declaration) No
Internet and Phone Banking
IMPORTANT : I/we declare that the credit to be provided to me/us by Dnister is to be applied wholly or predominately for business purposes or investment
purposes other that investment in residential property. I/we understand that by signing this declaration I/we may lose my/our protection under the National Credit
Act.
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 8 of 13
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PART 17 - Privacy and Disclosure
• details to identify you and verify your identity, such as your name, sex, date of birth, current and 2 previous addresses, your current and last known employer, and
your driver's licence number
• the fact that you have applied for credit and the amount or that we are a current credit provider to you, or that you have agreed to be a guarantor
• advice that payments previously notified as unpaid are no longer overdue
• information about your current or terminated consumer credit accounts and your repayment history
• payments overdue for at least 60 days and for which collection action has started
• in specified circumstances, that in our opinion you have committed a serious credit infringement
• the fact that credit provided to you by us has been paid or otherwise discharged, and
• other information about credit standing, worthiness, history or capacity that credit providers can disclose under the Privacy Act, including a credit report.
Your sensitive information (eg, membership of a professional or trade association) may also be disclosed where relevant to this application.
If you do not provide us with the personal information that we request, we may not be able to consider your application for credit or provide other services.
What information can be disclosed? The Privacy Act allows Dnister Ukrainian Credit Co-operative Limited ('we', 'us', 'our') ACN 59 087 651 394 and other applicable persons to disclose personal
information about you when related to the primary purpose for which it was collected. In connection with providing credit to you, personal information may include
credit information, such as:
Why do we obtain information? Before, during or after the provision of our products and services to you, we may obtain your personal information for the purpose of providing products and
services to you and managing our business. When providing credit to you, this may include assessing your application for consumer or commercial credit or to be a
guarantor for the applicant, assessing your credit worthiness, managing your loan or the arrangements under which your loan is funded or collecting overdue
payments.
Who can give or obtain information? For the purpose of providing products and services to you and managing our business, we may give information to:
Credit Providers can mean:• us
• any introducer, dealer or broker referred to in a loan application
• any agent or contractor of ours assisting in processing a loan application, and
• other entities that may be involved in a securitisation arrangement which we use to fund your loan, including without limitation Trinity and any loan originator.
Overseas disclosuresWe will not disclose your personal information overseas. However, if we do disclose this information outside Australia, we will do so on the basis that the
information will be used only for the purposes set out in this document.
• external service providers to us, such as organisations which we use to verify your identity, payment systems operators, mailing houses and research consultants
• insurers and re-insurers, where insurance is provided in connection with our services to you
• superannuation funds, where superannuation services are provided to you
• debt collecting agencies, if you have not repaid a loan as required
• our professional advisors, such as accountants, lawyers and auditors
• state or territory authorities that give assistance to facilitate the provision of home loans to individuals
• other credit providers and their professional advisors
• your representative, for example, lawyer, mortgage broker, financial advisor or attorney, as authorised by you, or
• government and regulatory authorities, if required or authorised by law.
In addition, in connection with providing credit to you, we and the Credit Providers mentioned below may:
• obtain a commercial and consumer credit report containing personal information about you from a credit reporting body
• obtain personal information about you from your employer and any referees that you may provide.
• exchange credit information about you with each other, and
• exchange credit information about you with any credit reporting body and any other provider of credit to you named in your credit application or a credit report
from a credit reporting body.
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 9 of 13
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Electronic verification Under the AML/CTF Act, we can disclose your name, residential address and date of birth to a credit reporting body. The purpose of this disclosure is to ask the
credit reporting body to assess whether the personal information disclosed matches (in whole or part) personal information about you held in their records (if any).
This electronic verification process helps us to verify your identity.
The credit reporting body may prepare and provide us with an assessment by using the personal information about you and the names, residential address and
dates of birth contained in its records about other individuals.
If you not consent to us verifying your identity by electronic verification, we will provide you with an alternate verification process to identify you. If this is the case,
please contact us on 1300 363 041 for further information.
Security, privacy policy, and marketing preferences SecurityWe take all reasonable steps to ensure that all your personal information held by us (on our website or otherwise), is protected from misuse, interference and
loss, and from unauthorised access, disclosure or modification.
Privacy & Credit Reporting PolicyOur Privacy & Credit Reporting Policy www.dnister.com.au/privacy provides additional information about how we handle your personal information. It sets out
how you can ask for access to personal information we hold about you and seek correction of that information. It also explains how you can complain about a
breach of the Privacy Act or the Credit Reporting Privacy Code, and how we will deal with your complaint. We will give you a copy of our Privacy & Credit
Reporting Policy on request.
Marketing preferencesThe Credit Providers may use, and share with each other, information about you to inform you about products and services (unless you ask us not to). The Credit
Providers may do so even if you are on the Do Not Call Register.
Important information about credit reporting bodies If you apply for or hold any kind of credit with us, we may disclose information to a credit reporting body. That includes disclosing that you are in default under a
credit agreement or have committed a serious credit infringement, if that is the case. (Specifically, we may disclose information to or collect information from
[Veda Advantage, whose privacy policy and contact details are at www.veda.com.au Credit reporting bodies collect credit information about individuals which they
provide as credit reports to credit providers and others in the credit industry to assist them in managing credit risk, collecting debts and other activities. "Credit pre-
screening" is a service for credit providers wishing to send direct marketing material about credit services. A credit reporting body uses information it holds to
screen out individuals who do not meet criteria set by the credit provider. Credit reporting bodies must maintain a confidential list of individuals who have opted
out of their information being used in pre-screening. To opt out of credit pre-screening, contact the credit reporting body, using the contact details on their
websites, referred to above.
You can also ask a credit reporting body not to use or disclose your personal information for a period if you believe on reasonable grounds that you have been or
are likely to be a victim of fraud, including identity fraud.
Disclosure to insurers and guarantors Lenders' mortgage and trade insurersIn connection with providing credit to you, a lenders' mortgage insurer or a registered trade insurer may obtain credit information about you from a Credit Provider
or from a credit reporting body to assess whether to provide lenders' mortgage insurance to us in relation to an application for consumer credit, or whether to
provide trade insurance to us in relation to an application for commercial credit.
GuarantorsIn connection with providing credit to you, the Credit Providers may give a guarantor, or a person who is considering becoming a guarantor, credit information
about you for the purpose of enabling the guarantor to decide whether to act as guarantor or to keep informed about the guarantee.
Personal information about third parties You represent that, if at any time you supply us with personal information about another person (for example a referee), you are authorised to do so; and you
agree to inform that person who we are, how to contact us, how to obtain our Privacy Policy, and that we will use and disclose their personal information for the
purposes set out in this Permission and that they can gain access to that information.
"Credit pre-screening" is a service for credit providers wishing to send direct marketing material about credit services. A credit reporting body uses information it
holds to screen out individuals who do not meet criteria set by the credit provider. Credit reporting bodies must maintain a confidential list of individuals who have
opted out of their information being used in pre-screening. To opt out of credit pre-screening, contact the credit reporting body, using the contact details on their
websites, referred to above.
You can also ask a credit reporting body not to use or disclose your personal information for a period if you believe on reasonable grounds that you have been or
are likely to be a victim of fraud, including identity fraud.
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 10 of 13
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Date DateSignature Signature
1. I/we make application for a loan / overdraft in the amount / for the limit set out in this application form. I/we acknowledge that no obligation is imposed upon
the credit co-operative to approve my/our application.
2. I/we agree to pay all legal and valuation expenses in connection with processing this loan application irrespective of whether or not the loan is approved.
3. The information set out in this application is true and correct in every particular and I/we have no financial commitments, debts, liabilities, or financial
obligations other than those disclosed within this application.
4. I/we also understand and confirm that I/we have read, understood, agree to and give the acknowledgments, authorities and consents contained within this
application.
5. If a redraw facility applies to the product selected, I/we acknowledge that:
a) I/we will be jointly and severely liable for all redraw transactions;
b) for internet banking redraws, if there is more than one borrower under the loan contract, you authorise us to process the drawback on the instruction of any of
you; and
c) for counter redraws, if there is more than one borrower under the loan contract, all borrowers will be required to authorise redraws.
PART 18 - Declaration
Applicant or Guarantor (1) Applicant or Guarantor (2)
Full Name
Please forward this completed and signed application to Dnister by mail or via the fax number listed. If you have any queries or require further assistance please
contact our loans department
Full Name
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 11 of 13
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Date Date
CEO Branch Manager Lending Officer OtherLending Manager
Value of other security
Board
COUNTERPARTY EXPOSURE
This loan amount $
Other Dnister loan amounts $
Total Dnister counterparty exposure $ 0.00
SECURITY POSITION
This loan amount $
Other loans secured by this security $
LOANS DELEGATIONS POLICY
Please forward this completed and signed application to Dnister by mail or via the fax number listed. If you have any queries or require further assistance please
contact our loans department
APPLICATION RECOMMENDED BY APPROVAL / FINAL LOAN SUITABILITY ASSESSMENT
Staff Full Name Staff Full Name
Signature Signature
Exceptions and Mitigants
DISCRETIONARY LENDING AUTHORITY (DLA)
A Total loans secured by this security $ 0.00
Value of this security $
= LVR (loan to valuation ratio) A/B %
NDI RATIO
NDI Ratio: :1
$
Specific Loan Suitability Assessment Comments. (Loan product selected must satisfy the client's requirements and/or objectives. If re-financing, must include
financial details and comments about existing loan):
Based on the information contained in this application and my enquires, I believe the loan meets the applicant's requirements and objectives and they will
be able to meet their financial obligations without substantial hardship. I therefore recommend that the loan be assessed as 'not unsuitable'.
BRANCH USE ONLY ( to be completed by Dnister personnel)
B Total security value $ 0.00
Please include comments here :
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 12 of 13
www.dnister.com.au
Perth Agency : PO Box 154 Maylands WA 6051
www.dnister.com.au | [email protected]
PERSONAL NOTES
YOUR LOANS REPRESENTATIVE
Once completed, please return this form with relevant documentation to your Loans representative or by submitting your application as
per below.
Dnister Ukrainian Credit Co-operative
Head Office : 912 Mt Alexander Road (PO Box 279) Essendon VIC 3040 (03) 9375 1222
Adelaide Branch : 62 Orsmond Street (PO Box 260) Hindmarsh SA 5007 (08) 8346 6174
Geelong Branch : 3/29-35 Milton Street Bell Park VIC 3215 (03) 5278 5950
Dnister Ukrainian Credit Co-operative Ltd ABN 59 087 651 394 | AFSL 240673Page 13 of 13
www.dnister.com.au