tiktok���˰�

1. Security: Required when the loan needs to be secured against specific assets or guarantees

2. Insurance: Used when loan insurance is required or offered

3. Special Repayment Arrangements: For cases with unique repayment structures or early repayment options

4. Tax Gross-Up: Required when employer will gross up payments to account for tax implications

5. Change in Circumstances: For addressing specific situations like extended leave, part-time transition, or international assignments

6. Debt Counseling: Required for high-value loans or when mandated by company policy

7. Related Party Provisions: When loan involves guarantors or third-party security providers

1. Repayment Schedule: Detailed amortization table showing payment dates, amounts, and interest calculations

2. Loan Application Form: Copy of the employee's loan application with supporting documentation

3. Salary Deduction Authorization: Formal authorization for automatic salary deductions

4. Tax Calculation Schedule: Breakdown of tax implications and benefit-in-kind calculations

5. Security Documents: If applicable, details of any security or guarantees provided

6. Employer Loan Policy: Reference copy of the company's staff loan policy

7. Regulatory Compliance Checklist: Documentation of compliance with relevant banking and employment regulations