consumer loan and overdraft application form …...consumer loan and overdraft application form...

Consumer Loan and Overdraft

Application Form

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 240673 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)


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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


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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


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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 ($)

$

$


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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)


Self Tenants

Construction Address

/ /

Plans and specifications (building permit, council approval plans)


$

Estimated security value ($)

Owner builder / subcontractor

Engine No

Only complete this section if this application is for constructions.

Purchase Price


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

Email

Please provide details of security offered (attach purchase contract if applicable and details of solicitor handling the purchase)


Self Tenants

Model

@

Registration No

Quotations and estimates

Registered builder

Home Extension

Soil test and quantity survey

Expenditure budget

Work timing schedule


Self Tenants

Suburb

Make


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


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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


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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.


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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.


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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.


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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


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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 :


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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.


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


www.dnister.com.au

consumer loan and overdraft application form …...consumer loan and overdraft application form...

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