tiktok³ÉÈË°æ

1. Guarantor Provisions: Required when there is a guarantor for the loan, detailing their obligations and liability

2. Early Repayment: Details early repayment terms and fees if the lender allows early repayment options

3. Balloon Payment: Required when the finance structure includes a final balloon payment

4. Joint Borrowers: Required when there are multiple borrowers, defining joint and several liability

5. Trade-in Details: Required when there is a trade-in vehicle involved in the transaction

6. Additional Security: Required when additional security beyond the vehicle is provided

7. Statement of Right to Cancel: Required for consumer contracts under CCCFA when cooling-off rights apply

1. Schedule 1 - Payment Schedule: Detailed breakdown of all payments including dates, amounts, and allocation between principal and interest

2. Schedule 2 - Vehicle Specification: Comprehensive details of the vehicle including accessories, modifications, and condition report

3. Schedule 3 - Disclosure Statement: Initial disclosure statement required under CCCFA including all mandatory disclosure items

4. Schedule 4 - Fee Schedule: Detailed breakdown of all fees and charges applicable to the loan

5. Appendix A - Insurance Requirements: Detailed specification of required insurance coverage and terms

6. Appendix B - Direct Debit Authority: Direct debit setup form for automatic payments

7. Appendix C - Statement of Consumer Rights: Required statement of statutory rights under NZ consumer law