REAL Home Loan Application

Step 1 of 11

Application Details

Application Type(Required)

Applicant Role(Required)

Date Applied(Required)

DD slash MM slash YYYY

Personal Details

Title(Required)

If Other, please specify(Required)

First Name(Required)

Second Name

Third Name

Surname(Required)

Residency(Required)

ID / Passport No(Required)

Secondary Applicant ID / Passport No(Required)

Marital Status(Required)

Marital Type(Required)

*Population Group(Required)

*Real is required to request the above population information to assist the Government in monitoring lending practices in terms of the Home Loan and Mortgage Disclosure Act, 2000

Contact Details

Is your Postal Address the same as your Physical Address(Required)

Present Physical Address

Address 1(Required)

Address 2(Required)

Region

City

Postal Code(Required)

Present Postal Address

Address 1(Required)

Address 2(Required)

Region

City

Postal Code(Required)

Telephone No (Home)

Cell No(Required)

Telephone No (Work)(Required)

I Prefer To Be Contacted Via(Required)

Email Address(Required)

We will update you on your application status via WhatsApp, while all statements, letters, and other formal documents will be sent to the email address provided.

Employment Details

Employer Name(Required)

Employee No(Required)

Number of Years at Current Employer(Required)

Occupation(Required)

Occupation Status(Required)

Employment Sector(Required)

If Other, please specify(Required)

Pension / Provident Fund Member No(Required)

Pension / Provident Fund Member No

Pension / Provident Fund(Required)

Pension / Provident Fund

Contact Person(Required)

Office No(Required)

Employer Physical Address

Address 1(Required)

Address 2(Required)

Region

City

Postal Code(Required)

Please provide previous employer details

Name of Previous Employer

Number of Years at Previous Employer

Accountant Details (if self-employed)

Name of Firm(Required)

Contact Person(Required)

Office No(Required)

Email Address(Required)

Domcilium (Address for service of legal documents. Active from date of first advance)

Please use the property address as my domcilium

Domcilium Address

Address 1(Required)

Address 2(Required)

Region

City

Postal Code(Required)

Loan Details (Main Applicant Only)

Applying For(Required)

In whose name is the property to be registered?(Required)

Have FLISP been applied for

If yes, by whom?(Required)

New Purchase Details:

Purchase Price (R)(Required)

Loan Term (Months)(Required)

Less Deposit (R)

Source of Deposit(Required)

If Other, please specify(Required)

Total Financing Requirement (R)(Required)

If Bond Switch:

Outstanding Loan (R)(Required)

Est Market Value (R)(Required)

Estimated Costs and Fees (R)(Required)

Capitalize Fees(Required)

Total Estimated Loan (R)(Required)

Current Home Loan Bank(Required)

Current Home Loan Account No(Required)

Property Details (Main Applicant Only)

Address of Property to be Financed

Address 1(Required)

Address 2(Required)

Region

City

Postal Code(Required)

Erf/Portion No(Required)

Property Type(Required)

Title Type(Required)

Who will occupy the property(Required)

If Other, please specify who(Required)

Contact details for validation appointment:

Appointment Coordinator(Required)

Name and Surname(Required)

Contact No(Required)

If new purchase, off-plan purchase(Required)

Repayments

Source of Income(Required)

Payment Method(Required)

For Debit Orders:

Bank Details:

Account Name(Required)

Account Name (Optional)

Bank(Required)

Branch

Bank (Optional)

Branch

Account Type(Required)

Account No(Required)

Account Type (Optional)

Account No (Optional)

Credit History

Ever Declared Insolvent(Required)

Date Rehabilitated

DD slash MM slash YYYY

Under Debt Review or Counseling(Required)

Outstanding Judgements(Required)

Value of Judgement (R)(Required)

Under Admission Order(Required)

Date Order Rescinded

DD slash MM slash YYYY

Income Monthly (R)

Gross Income / Salary / Drawings(Required)

Commission / Overtime

Investments

Net Rental Income

Other Income (R)

Please Specify(Required)

Other Income (R)

Please Specify(Required)

Other Income (R)

Please Specify(Required)

GROSS INCOME(Required)

Less Payroll Deductions

NET INCOME(Required)

Expenses Monthly (R)

Accommodation Exp / Rental

Retail Accounts / Credit Card Repayments

Other Home Loan Repayments

Rates / Utilities

Personal Loans Repayments

Household / Food

Spouse / Child Support

Educational

Medical

Insurance

Vehicle Loan

Transport / Fuel

Other Expenses (R)

Please Specify(Required)

Other Expenses (R)

Please Specify(Required)

Other Expenses (R)

Please Specify(Required)

TOTAL EXPENSES

Total Income(Required)

Less Total Monthly Expenses(Required)

Less Proposed Debt Consolidation

DEFICIT / SURPLUS(Required)

Your personal information

We collect personal information from you and, in processing it, share it with service providers and other third parties in order to provide our products and services to you and to fulfil our legal and regulatory obligations. It will not be divulged to anyone else without your consent.

Financial crime and international sanctions

We adhere to regulatory requirements relating to international sanctions and the detection and prevention of financial crime in South Africa and internationally. This may impact on the provision of our products and services to you. We may require additional information and/or documents about yourself and/or your banking transactions to do so, which you agree to provide.

Please indicate if you hold any of the following positions by ticking the relevant box:(Required)

I am a Politically Influential Person (PIP)

I am a Politically Exposed Person (PEP)

I am a Foreign Politically Exposed Person (FPEP)

I am connected/related/associated with a PIP/PEP

None of the above

I confirm the following

All information given by me is true, accurate and correct.
I have the legal capacity to enter into an agreement unassisted as a major.
I confirm that the income and expenditure statement has been completed by me or under my instruction.
I am not aware of any other information which could adversely affect my application.
I am aware that I am required to have and maintain a full inforce Homeowner's Insurance Cover ceded over to Real Estate Affordable Loans - SAM (pty) LTD for the full replacement value of the property for the full term of the loan.
I am aware that I am required to have and maintain a Life Cover Policy ceded over to Real Estate Affordable Loans - SAM (pty) LTD for the full replacement value of the property for the full term of the loan.

I authorise Real Estate Affordable Loans - SAL (pty) LTD or its agents to

Approach my employer to confirm details of my employment, including my income.
Carry out identity and fraud prevention checks with the South African Fraud Prevention Service.

Note: If Joint Applicant (Main Member) - Please remember that the secondary applicant must also complete an application.

Signature

Date

DD slash MM slash YYYY

Supporting Documents

Both Applicants

Copy of the front and back of your ID document

Photo of yourself holding the ID document Infront of your chest. Insure that your face is clearly visible in the image

Payslip (commission/overtime, provide the latest 3 salary advices/commission schedules)

Original Stamped Bank Statement (for the last 3 months)

Proof of Address

Complete a Declaration of Joint Address (if applicant does not have proof of address)

3rd Party Copy of ID (if applicant completed Declaration of Joint Address)

Copy of Signed Offer to Purchase

Other

Please Specify(Required)

Declaration of Joint Address

I	ID	Residence	I	ID	Signed At:	Date	Signature of Resident	Signature of Applicant	Actions

There are no Entries.

Maximum number of entries reached.

Self Employed Individuals - Secondary Applicant

Letter of Drawings from an Accountant

Personal Assets and Liabilities Statement

Original Stamped Personal Bank Statement (for the last 6 months)

Original Stamped Business Bank Statement (for the last 6 months)

Annual Financial Statement (for the last 2 years)*

Current Management Accounts (not older than 2 months)*

Other

Please Specify(Required)

* Where Annual Financial statements is older than 6 months to date, Current Management Accounts not older than 2 months signed by the applicant and accountant in addition to the Annual Financial statements.

Switching of Bonds - Both Applicants

Bank Statements Reflects the Maintenance/Alimony Payments

Copy of Court Order

Maintenance/Alimony (If it forms part of earnings)

Bond Statement (for the last 3 months)

Other

Please Specify(Required)

Endorsement 45 (COP) or 57 (ANC) - Both Applicants

Decree of Divorce

Death Certificate for Deceased

Insolvency Rehabilitation - Both Applicants

Proof of Insolvency Rehabilitation (Rehabilitation Order)

Copy of Court Order

Other

Please Specify(Required)

Indicate which documents are uploaded by selecting from the boxes above and then adding them to the box below.

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