The Loan Declaration Form is a fundamental document in South African credit transactions, required by the National Credit Act 34 of 2005 and regulated by the National Credit Regulator. It is used whenever an individual or entity applies for credit facilities, serving as both a disclosure document and a legal declaration. The form captures essential information about the borrower's financial position, existing credit commitments, and ability to service the proposed debt. It includes mandatory declarations regarding the accuracy of information provided and authorizations for credit checks. Credit providers use this document as part of their responsible lending practices and to comply with regulatory requirements for credit assessment. The form plays a crucial role in preventing reckless lending and ensuring transparent credit practices in the South African market.
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1. Personal Information: Borrower's full details including legal name, ID number, contact information, and residential address as required by FICA regulations
2. Employment Details: Current employment status, employer information, position, length of employment, and income details
3. Loan Details: Specific information about the requested loan including amount, purpose, term, and proposed repayment schedule
4. Financial Position: Declaration of current assets, liabilities, monthly income, and expenses to assess affordability
5. Credit Check Authorization: Consent for credit checks and information verification with credit bureaus
6. Declarations: Standard declarations regarding accuracy of information, no existing debt review, and disclosure of all financial obligations
7. Terms and Conditions: Key terms including interest rate, fees, charges, and repayment obligations as per NCA requirements
8. Acknowledgment: Borrower's confirmation of understanding all terms and conditions, and acceptance of obligations
1. Co-borrower Details: Required when there is a co-applicant or guarantor for the loan
2. Security Details: Required for secured loans, describing the asset(s) offered as security
3. Insurance Declaration: Required when credit life insurance is mandatory or offered with the loan
4. Business Information: Required for business purpose loans, including business financial details
5. Foreign Income Declaration: Required when the borrower has foreign income sources
6. Debt Counselling History: Required for borrowers with previous debt counselling experience
1. Schedule A - Income and Expense Statement: Detailed breakdown of monthly income and expenses
2. Schedule B - Asset and Liability Statement: Comprehensive list of all assets owned and liabilities owed
3. Schedule C - Loan Repayment Schedule: Projected repayment schedule showing installment amounts and dates
4. Appendix 1 - Required Documentation Checklist: List of supporting documents required to process the loan application
5. Appendix 2 - Interest Rate and Fee Schedule: Detailed breakdown of applicable interest rates, fees, and charges
6. Appendix 3 - Terms and Conditions: Complete terms and conditions of the loan agreement as required by the NCA
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