Credit Application - My Credit Union


Financial institution and type of account (investment, savings, etc). $. $. $. $. $. $. $. $. Property (home). Liabilities (what applicants owe). Mont...

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Credit Application T 1300 655 116 F 02 9965 1222 E [email protected]

On 1 February 2018, the business of My Credit Union Limited was transferred to Community CPS Australia Ltd ABN 15 087 651 143, AFSL/Australian Credit Licence 237 856 trading as Beyond Bank Australia

Loan Type Investment property

Home

Personal

Amount required $

Overdraft

Car

Promo Code

Loan Purpose

Applicant 1

Applicant 2

Member number Title

Mrs

Mr

Ms

Miss

Mrs

Mr

Other

Ms

Miss

Other

Surname Given name/s Former name/s Date of birth

/0 0/

Drivers licence

Marital status

Marital status

/0 0/ /0 0/

Expiry

/0 0/

Expiry

Residential address Suburb

Suburb

State

Time there



years

Residential status

State

Postcode

months

Postcode



years

months

Own

Buying

Own

Buying

Renting

Living with parents / friends

Renting

Living with parents / friends

If renting, landlord /real estate

(

Contact number Previous residential address (if current less than 2 years)

)

(

Suburb

Suburb

Postcode

State

Time there



years

Previous residential status

)

Postcode

State

months



years

months

Own

Buying

Own

Buying

Renting

Living with parents / friends

Renting

Living with parents / friends

Email address Home phone

(

)

(

)

Work phone

(

)

(

)

Mobile phone Mailing address (same as residential)

Mailing address (same as residential)

Suburb

State

Postcode

Suburb

State

Postcode

1

Employment Details (MYCU may verify your employment details/income with your employer/accountant) Applicant 2

Applicant 1 Employer’s details

Name

Name

Phone number

Phone number

Type of employment

(Full time, part time, casual, contract, self-employed, etc)

(Full time, part time, casual, contract, self-employed, etc)

Time there



Previous employer’s details (if current less than 2 years)

Name

Name

Phone number

Phone number

Occupation

years



months

years

months

Previous occupation Type of employment

(Full time, part time, casual, contract, self-employed, etc)

(Full time, part time, casual, contract, self-employed, etc)

Time there





years

Amount

Income*

Gross Nett

months

years Amount

Frequency

$

w

f

m

Gross Nett

months Frequency

$

w

f

m

Rental income

$

w

f

m

$

w

f

m

Other income

$

w

f

m

$

w

f

m

eg. family benefits, bonus

*Please attach two payslips or copies of the last 2 years tax assessments.

Details of nearest relative or friend not living with you

Name

Name

Phone number

Relationship

Relationship

Phone number

Dependants (of all applicants) Number of dependents

Ages of dependents

Security offered by applicants Vehicle

Property

Year, make & model

Address of property

Name of dealer

Name of property owner or conveyancer if property being purchased

Dealer’s phone number (if known)

Value

$

Contact number

Value

$

Are there any changes to your future financial circumstances that you are aware of that may affect your ability to repay the loan? No

Yes

If yes, include description and amount

Are you a guarantor for any loan? No

Yes

If yes, give details

(Bank/lender name, outstanding amount and monthly repayment)

Have you run your own business in the past 5 years? No

Yes

If yes, give details

(Name of business, length of business and business status i.e. current or deregistered)

Have any applicants had any bankruptcy, legal proceedings, judgments, etc, in the last 5 years? No

Yes

If yes, give details

2

Assets (what applicants own) Property (home)

Present Value

Address

Other real estate

Address

Vehicles (car, boat, trailer, etc)

Make, model, registration

$ $ $

Make, model, registration

Cash/savings

$

Financial institution and type of account (investment, savings, etc)

$

Financial institution and type of account (investment, savings, etc)

$

Shares and investments

$

Superannuation

$

Household contents

$

Other

$ Total: $

Liabilities (what applicants owe) Mortgage/s

Monthly Payments

(Bank/lender name)

Amount Owing

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

Payout (Y/N)

(Property address)

(Bank/lender name)

(Y/N)

(Property address)

Personal loan/s

(Bank/lender name)

(Bank/lender name)

(Bank/lender name)

Other loans (finance, rentals, etc)

(Bank/lender name)

(Bank/lender name)

(Bank/lender name)

Credit Limit Credit card/store account (include nil balance accounts)

(Bank/lender name)

(Bank/lender name)

(Bank/lender name)

(Bank/lender name)

Interest free facilities

(Bank/lender name)

(Bank/lender name)

Amount Owing

$

$

$

$

$

$

$

$

$

$

$

$

Rent/board

$

Average monthly living expenses

$

Total

$

$

(Y/N)

(Y/N)

(Y/N)

(Y/N)

(Y/N)

(Y/N)

Payout (Y/N)

(Y/N)

(Y/N)

(Y/N)

(Y/N)

(Y/N)

3

Consumer credit insurance (CCI) cover options Please refer to a policy wording, available from My Credit Union, for the benefits, limitations and conditions applicable to selected cover. Being permanently employed and working a minimum of 15 hours per week and within the age limits of 18 to 59, I require the following protection: Applicant 1

Applicant 2

Disability and unemployment Disability only Death and disability Death, disability and unemployment Alternatively, a Customer Service Officer will contact you to discuss. In arranging Consumer Credit Insurance, a proposal, ‘Important Information about Credit Insurance’ declaration and Product Disclosure Statement will be forwarded to you, along with your loan documents for your acceptance and completion. The information provided below is a summary only. For specific details of the cover provided, please refer to the relevant Allianz Product Disclosure Statement. Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) is the insurer of the disability cover and unemployment cover and is only responsible for these covers. Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFSL 296559 (Allianz Life) is the insurer of the death cover and is only responsible for this cover. Allianz acts as Allianz Life’s agent in offering and administering the death cover. My Credit Union Limited acts as an agent of Allianz and not as your agent. Before making a decision about this insurance, please refer to the relevant Product Disclosure Statement available from MYCU by calling 1300 655 116.

Type of Credit The credit I am applying for is:

wholly or primarily for a domestic, family or household purposes (consumer credit)

wholly or primarily for another purpose (commercial credit)

Credit Reports for Commercial Loan Applicant Applications By submitting this application you expressly consent to our obtaining of a credit report containing your credit information in order to assess your commercial loan application.

Declaration by Applicants WARNING: Under the National Credit Code you may be liable to a criminal penalty if you make any false or misleading representation that is material to My Credit Union’s decision to approve this application. I/we declare that the information given in this application is true, correct and complete. I/we authorise the My Credit Union Limited to make any relevant enquiries into the references mentioned, my employer or any other credit provider. I/we acknowledge that a credit report will be obtained.

Applicant 1

Date

/

/

Applicant 2

Date

/

/

4 F012_2 02/18