icon-close Created with Sketch.
We use cookies to make your experience with us better. By continuing to use our website without changing the settings, you are agreeing to our use of cookies. To find out more see our privacy statement.
Page 1 of 11

Home Loan Application

This form is for existing Stanbic Bank Zimbabwe customers only!

Not a customer? Click here to open an account with us:

Separate forms are to be completed by the main applicant, co-applicant, and surety (or sureties). Please use block letters and complete the form as completely and accurately as possible, to aid our successful processing of the application.

All fields marked (*) are mandatory.

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Personal information

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Ooops, You captured a Wrong ID Number! Try Again. Re-check that the format (eg: 12-345678X90) you entered is correct.
Invalid Input
Invalid Input
Invalid Input
Exclude international code. Only nine (9) digits are accepted.
Invalid Input
Exclude international code. Only nine (9) digits are accepted.

Current residential address

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Marital status and dependents

Please indicate your marriage status.
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Number of Dependents

Invalid Input
Invalid Input
Invalid Input

Spouse’s details (if applicable)

Invalid Input
Invalid Input
Invalid Input
Invalid Input

Guarantor’s/Surety details (Complete only if you are the primary applicant. The guarantor/surety must submit separate personal and financial details forms)

Invalid Input
Invalid Input
Invalid Input
Invalid Input

Details of friend or relative (Not staying with you)

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Employment details

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Previous employer (if less than 24 months with current employer)

Invalid Input

Main banking account details

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Financial information

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Existing unsecured loans and other credit facilities

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Mortgaged property details

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Existing home loans details

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Property Transfer (Construction only.  Excludes Equity and Home Improvements)

Invalid Input
Invalid Input
Invalid Input

Transferring attorney

Invalid Input
Invalid Input
Invalid Input
Invalid Input

Upload documents

Property purchase

Invalid Input
Invalid Input
Invalid Input

Equity Release

Invalid Input

Home improvements

Invalid Input
Invalid Input
Invalid Input
Invalid Input

Construction

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Other mandatory requirements across all products

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

Other Non-mandatory documents

Invalid Input
Invalid Input
Invalid Input

General terms and conditions

Primary applicant

Invalid Input
Invalid Input

Spouse or co-applicant

Invalid Input
Invalid Input

Surety/Guarantor

Invalid Input
Invalid Input

Surety/Guarantor

Invalid Input
Invalid Input

Customer declaration

I/We hereby authorise you to debit my/our account and credit my/our home loan account within 30 (thirty) days of the mortgage being registered or upon drawdown as per the limit approved.

I/We authorise you to increase the monthly installment in the event of an increase in the interest rate.

I/We confirm that the information supplied in the application form is true and correct, and that you may use such information to assess the loan application. Materially incorrect information could lead to this loan facility being withdrawn and intentional or negligent disclosure may lead to possible criminal liability.

In the event that I request you to send me a statement or other information by email, I/we agree to indemnify you against any claim or liability that may arise or be made by any person (including myself) against it in consequence of the supply of such information by email.

Assessment of properties undertaken by you are to ascertain whether the land and improvements thereon have sufficient apparent value for the property to act as security for the loan granted and also assess the replacement value of the improvements for insurance purposes. The assessment is for your internal purposes only and provide no warranties whatsoever in respect of the property, its condition, the purchase price or the insurance figure are given or implied in the granting of the loan.

You accept no liability for any defects whether latent or patent in the property or the sum insured, being either land or improvements as a result of assessment of the property by you. Where concerns regarding the property exist, it is my/our responsibility to seek appropriate independent expert advice.

The property will at all times be insured at the replacement cost on Stanbic Bank Zimbabwe Ltd terms and through an insurer on your approved list for the amount stated by me/us, or for your figure, whichever is the higher.

I/We understand that if a loan is granted to me/us by you, all costs and fees in connection with insurance and the drawing up and registration of a mortgage will be for my/our own account.

You are authorised but not obliged to act on instructions transmitted by me/us through a written letter, unless advised to the contrary by me/us. In the event of late/returned payments, you reserve the right to charge overdue interest or penalties as determined by you.

You are authorised to verify any information given on this application form, and generally make whatever enquiries are necessary from any source whatsoever.

General terms and conditions

Searches and valuation assessments of properties undertaken by the Bank are to ascertain whether the land and improvements to it have sufficient apparent value for the property to act as a security for the loan granted and also assess the replacement value of improvements for insurance purposes. Such searches and valuation assessments are for our internal purposes only and no warranties whatsoever in respect of the property, its title, condition, the purchase price or the insurance amount are given or implied in the granting of the loan. The cost of such searches will be for your account.

In the event that I/we request the Bank to send me/us a bank statement or any other information by any means, I/we agree to indemnify you against any claim/s or liability that may arise or be made by any person (including myself/ourselves) against it in consequence of the supply of such information by the requested means.

Home Loans Protection Plan

I/My means we/our when the home loan is in two names.

I/we hereby authorise Stanbic Bank Zimbabwe Ltd to arrange loan protection cover to settle the outstanding balance on my home loan account in the event of death, involuntary retrenchment and disability, I/we authorise Stanbic Bank Zimbabwe Ltd to debit my account with the Loan insurance premiums. I/we understand that any granted cover will be subject to the provisions of the Master Policy.

Home Owners Comprehensive Insurance

  1. Stanbic Bank Zimbabwe Ltd will arrange suitable short term insurance to protect their insurable interest in the property.
  2. The premium is based on the insurance value of the property (the repair or replacement cost).
  3. Stanbic Bank Zimbabwe Ltd will debit my/our account with the premiums on a monthly basis.
  4. Further insurance premiums will be added to the principal debt if they are not paid.

Credit Reference Bureau Consent clause

By submitting an application for credit facilities, you agree to be bound by the following requirements relating to the submission of information to the Credit Reference Bureau whether or not the application for credit facilities is approved;

Definitions
“Credit Reference Bureau” means all credit reference bureaus being utilized by the Bank from time-to-time; “Customer Credit Information” means information concerning:

  1. your credit history, including applications for credit, credit agreements to which you are or have been a party, pattern of payment or default under any such credit agreements, incidence of enforcement actions with respect to any such credit agreement, the circumstances of termination of any such credit agreement;

  2. your financial history, including your past and current income, assets and liabilities and other matters with respect to your income and financial means;

  3. your education, employment, career, professional or business history, including the circumstances of termination of any employment, career, professional or business relationship; or

  4. iv  your identity, including your name, date of birth, identity number, marital status and family relationships, past and current addresses and other contact details and related matters.

“Data” means the raw factual information furnished by us to the Credit Reference Bureau including, but not limited to, credit applications, credit agreements, payment history or patterns or Customer Credit Information collected and arranged by the Credit Reference Bureau and its employees and processed by the Credit Reference Bureau’s computer systems which are stored in the database

Consent to disclosure of confidential information You hereby

  1. irrevocably consent to us collecting, receiving, compiling and retaining any Customer Credit Information about you for purposes of:

    1. assisting us to perform our assessment of your creditworthiness;

    2. deciding whether or not to grant you credit;

    3. monitoring your credit profile should we grant you credit; and

    4. filing our Customer Credit Information with the Credit Reference Bureau.

  2. consent to the receipt, sharing, provision and exchange of data with Credit Reference Bureau and with other licensed financial institutions and micro finance deposit taking institutions through the Credit Reference Bureau;

  3. acknowledge that the Customer Credit Information obtained may include positive or negative information regarding your payment record;

  4. acknowledge that the Credit Reference Bureau is required by law to collect negative information on the background and credit history relating to your

    nonperforming obligations;

  5. consent to the collection, recording, retention and submission of all data relating to your economic, financial and commercial obligations in order to determine your overall debt exposure and ability to pay.

Authorised Signatory

Invalid Input
Invalid Input
Invalid Input
Invalid Input

Acceptance

I / We, declare that the information provided by me/us is complete and correct.  I / We, accept the terms, clauses, and conditions stated above.

Invalid Input
Invalid Input
Invalid Input

Personal information

ID Number:
Bank Account Number with us:
Title:
First name:
Surname:
Date of birth:
Gender:
Identifying Document:
NationalID:
Document Number:
Mobile Number:
Telephone (Home):
Telephone (Work):

Current residential address

Address:
Town/City:
Living at address since:
Residential status:
Residential status Other:
Postal address:
Town/City:

Marital status and dependents

Marital Status:
Marital status - Other:
Marriage Type:
How married:
Other Specify:
Spouse:
Children:
Other:
Title:
First name:
Surname:
Contact Number:
Title:
First name:
Surname:
Mobile Number:
Name and surname:
House number:
Street name:
Town/city:
Unit number:
Suburb/district:
Province:
Telephone number:
Mobile number:

Employment details

Employment Status:
Employer’s name:
Industry/Sector:
Address:
Town/City:
Switchboard:
Contract expiry date:
Designation:
Occupation:
Employment date:
Highest level of education:
Income Currency:
Gross monthly salary:
Net monthly salary:

Previous employer (if less than 24 months with current employer)

Period employed:

Main banking account details

Account type:
Account type (specify):
Held in the name of:
Salary account:
Bank or financial institution:
Branch name:
Branch code:
Account number:
Date account opened:

Financial information

Currency:
Monthly Income:
Rent/mortgage payment:
Currency:
Other verifiable monthly income:
Vehicle finance payments:
Guaranteed bonus/13th cheque:
Other monthly commitments/debt payments:

Existing unsecured loans and other credit facilities

Currency:
Total Amount:
Have you ever been declared insolvent?:
Rehabilitation date:
Attach proof:
Are you a guarantor/surety for anybody or anything else?:
Details of guarantee:

Mortgaged property details

Property identifiers:
Property Address (Title deed):
Street Address:
Town/City:
Property type:
Property type Other:
Primary use:
Primary use Other:
Secondary use (if any):
Secondary Use Other:
Remaining Term(years):
Expected subsidy:
Subsidy amount (if not in ‘Net per pay slip’):
Currency:
Insured amount:
Market value:
Property purchase price:
Managing agent:
Contact to gain access to property:
Telephone:

Existing home loans details

Bank name:
Account number:
Currency:
Registered amount:
Outstanding balance:
Remaining loan term:

Property Transfer (Construction only.  Excludes Equity and Home Improvements)

Purchase price:
Estimated transfer costs:
Available deposit:
Name of seller:
Name:
Address:
Contact name:
Telephone and fax:

General terms and conditions

 

Primary applicant

Printed name:

 

Spouse or co-applicant

Printed name:

 

Surety/Guarantor

Printed name:
Contact Number:

 

Surety/Guarantor

Printed name:
Contact Number:

Authorised & Witness

Authorised Signatory's Name:
Contact Number:
Witness Name:
Contact Number:

Acceptance

Full Name:
Invalid Input
Invalid Input