CHLFS - Fiji Development Bank

CHOICE HOME LOAN FINANCE SOLUTION

DETAILS
Courtesy Title Required Field
Surname Required Field
First Name Required Field
Middle Name Required Field
Father’s Name Required Field
Date of Birth Required Field	Gender Required Field
Marital Status Required Field
ID Type Required Field	ID Number Required Field
TIN Required Field	FNPF Number Required Field
Residential Address Required Field
Postal Address Required Field
Residential Status Required Field
Phone Contact: Home Required Field	Mobile Required
Email Address Required Field & Valid Email Address
Number of dependents Required Field	Age of dependents Required Field
Spouse Name	Spouse’s Occupation
Spouse’s Contact

PERSONAL DETAILS JOINT APPLICANT 1
Courtesy Title
Surname
First Name
Middle Name
Father’s Name
Date of Birth (mm/dd/yyyy)	Gender
Marital Status
ID Type	ID Number
Residential Address
Postal Address
Residential Status
Phone Contact: Home	Mobile
Email Address
Number of dependents	Age of dependents
Spouse Name	Spouse’s Occupation
Spouse’s Contact

PERSONAL DETAILS JOINT APPLICANT 2
Courtesy Title
Surname
First Name
Middle Name
Father’s Name
Date of Birth (mm/dd/yyyy)	Gender
Marital Status
ID Type	ID Number
Residential Address
Postal Address
Residential Status
Phone Contact: Home	Mobile
Email Address
Number of dependents	Age of dependents
Spouse Name	Spouse’s Occupation
Spouse’s Contact
Next of Kin Name
Next of Kin Relation
Next of Kin Contact

NEXT OF KIN – OTHER THAN SPOUSE/ DEPENDENT
Name Required Field	Relationship Required Field
Contact Required Field
COMMENTS ON PERSONAL DETAILS Required Field
SECTION TWO: EMPLOYMENT DETAILS
Self Employed Required Field
Name of Employer Required Field	Occupation/ Position Required Field
Length of Employment Required Field	Address of Employer Required Field
Phone Number Required Field	Fax Number Required Field
Other Sources of Income & Amount Required Field	Previous Employer Required Field
COMMENTS ON EMPLOYMENT DETAILS Required Field
SECTION THREE: COMBINED FINANCIAL COMMITMENTS

Applicant's Name	Bank Name	Account Type	Amount Owing

	Required Field

SECTION FOUR: OTHER PROPERTIES OWNED
Applicant Name	Applicant Name
Address	Address
Mortgaged to	Mortgaged to
Monthly Instalment	Monthly Instalment
Purpose	Purpose
SECTION FIVE: LOAN REQUEST
Project Purpose Required Field

Transaction in Detail	Total Cost	Equity	FDB Loan
Land	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Mortgage Protection Cover	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Construction	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Fencing	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Stamp Duty/ Legal Cost etc	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Interest cost during construction	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Contingency	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Others	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0

SECTION SIX: PERSONAL STATEMENT OF POSITION (ASSETS & LIABILITIES)

Account Type	Name of Bank	Branch	Account Number	Balance	Year Opened	Repayments
Savings	Required Field	Required Field	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Term Deposits	Required Field	Required Field	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Cheque (Credit Balance)	Required Field	Required Field	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Total Savings, Cheque & Term Deposits (Add the above balances)				Required Field: If not applicable please enter 0	(B)
Cheque (Debit Balance)	Required Field	Required Field	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Credit Cards	Required Field	Required Field	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Credit Cards	Required Field	Required Field	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Loans	Required Field	Required Field	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
	Required Field	Required Field	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
	Required Field	Required Field	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Total Cheque, Credit Card & Loan Accounts (Add the above balances)				Required Field: If not applicable please enter 0	(A)

LIABILITIES	AMOUNT OWING	ASSETS	PRESENT VALUE
Bank Accounts		Bank Accounts
Total Debits (A)	Required Field: If not applicable please enter 0	Total Credits (B)	Required Field: If not applicable please enter 0
Loans on Life Policies	Required Field: If not applicable please enter 0	Credit Union Savings	Required Field: If not applicable please enter 0
Others	Required Field: If not applicable please enter 0	Life Policies	Required Field: If not applicable please enter 0
Hire Purchase Accounts		Real Estate Property
Courts	Required Field: If not applicable please enter 0	Land Value	Required Field: If not applicable please enter 0
Carpentars	Required Field: If not applicable please enter 0	Buildings & Improvements	Required Field: If not applicable please enter 0
Others	Required Field: If not applicable please enter 0	Furniture & Household Items	Required Field: If not applicable please enter 0
Other Liabilities		Motor Vehicles
Taxation	Required Field: If not applicable please enter 0	Motor Vehicle	Required Field: If not applicable please enter 0
Rates	Required Field: If not applicable please enter 0	Motor Vehicle	Required Field: If not applicable please enter 0
Others	Required Field: If not applicable please enter 0	FNPF
		Primary Applicant	Required Field
		Joint Applicant 1	Required Field: If not applicable please enter 0
		Joint Applicant 2	Required Field: If not applicable please enter 0
TOTAL LIABILITIES (C)	Required Field: If not applicable please enter 0	Buisness Share	Required Field: If not applicable please enter 0
		Estate Share	Required Field: If not applicable please enter 0
SURPLUS/ SHORTFALL (D-C)	Required Field: If not applicable please enter 0	Others	Required Field: If not applicable please enter 0
TOTAL (E)	Required Field: If not applicable please enter 0	TOTAL ASSETS (D)	Required Field: If not applicable please enter 0
COMMENTS ON FINANCIAL POSITION (Please provide any information you feel is important to support your financial position)
Required Field

SECTION SEVEN: PERSONAL INCOME & EXPENDITURE STATEMENT

INCOME	MAIN APPLICANT	JOINT APPLICANT 1	JOINT APPLICANT 2	TOTAL ANNUAL INCOME
Gross Annual Income	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Other Income	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
TOTAL MONTHLY INCOME				Required Field: If not applicable please enter 0

AVERAGE MONTHLY INCOME	MAIN APPLICANT	JOINT APPLICANT 1	JOINT APPLICANT 2	TOTAL MONTHLY INCOME
Net Salary	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Net Business Income	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Net Rental Income	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Commission	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Other Regular Income	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
TOTAL MONTHLY INCOME (A)				Required Field: If not applicable please enter 0

Uploads

Completed Credit Information Reporting Agency (CIRA) Consent Form. Please click on the link to download the CIRA Consent Form (Attached).Click here

TIN Card / Letter

Birth Certificate

Photo ID: Voter Identification Card/Passport/Driving License

Current utility bills these would be utility bills for the business/tenancy agreement

Declaration of external debts – provision of latest loan statement

Right of Land Use: Copy of Title *Title and current lease over land to be used for the proposed project. Term of lease must exceed the loan term granted.

Letter from current employer that the proponent has been in current confirmed employment for at least 12 months. (if applicable)

Proof of Income: Payslips, employment contracts, or employer confirmation letters (if applicable)
Declaration of income (if applicable)
If owning any business or are self-employed, Notice of Assessment from FRCS for last financial year. (if applicable)

Equity: Bank statements or FNPF eligibility letter to be produced as evidence of contribution amount.

Valuation report: Satisfactory valuation report from FDB’s panel of valuers. If FNPF contribution involved, valuation report from FNPF’s is acceptable.

Valid Engineers Certificate: from FDB’s panel of engineers

Satisfactory Confirmation of sale amount (Sale Note or Sale and Purchase Agreement).

Approved Plans and Specifications from relevant authorities

At least 2 Quotations from Reputable Builders or 1 Quotation with Bill of Quantity from a qualified surveyor for work to be done

Bank Statements for at least the last 6 months confirming transactions and refinance amount.

Support Letter from Turaga-Ni- Koro- for confirmation of residence status of the applicant.

The Applicant’s attention is drawn to Section 41 of the Fiji Development Act [Cap 214] Ordinance 1966 which reads;

“If you willfully fail to disclose any material information within your knowledge, or willfully make any statement which you know
to be false or does not believe to be true, for the purposes of securing a loan from, or any investment in any form by, or assistance
in any form or any facility from the Bank, you shall be guilty of an offence and on conviction shall be liable to a fine not exceeding
one thousand dollars or to imprisonment for a term not exceeding two years, or to both such fine and imprisonment”.

I/We certify that the information contained in this application and in all continuation sheets attached is true, accurate and complete in every particular. You are authorized herewith to request any information you may require regarding my/our accounts and financial arrangements with my/our Bankers or other financial Institution or my/our creditors.
Required Field

The Fiji Development Bank (FDB) does not collect personal information for commercial marketing or distribution to any
private organizations, except for reporting with the Reserve Bank of Fiji.

MONTHLY EXPENSES	MAIN APPLICANT	JOINT APPLICANT 1	JOINT APPLICANT 2	TOTAL MONTHLY EXPENSES
FIXED EXPENSES
Overdraft/ Loan Repayments:
Housing	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Furniture	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Car	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Revolving Facility	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Hire Purchase	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Rent	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Other Fixed Commitments	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
VARIABLE EXPENSES
Travelling Expenses	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Education Expenses	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Rates & Bills	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Living Expenses	Required Field: If not applicable please enter 0	Required Field	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
Others	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0	Required Field: If not applicable please enter 0
TOTAL MONTHLY EXPENSES (B)				Required Field: If not applicable please enter 0
SURPLUS/ (DEFICIT) (A-B)				Required Field: If not applicable please enter 0