LOAN TERMS AND CONDITIONS

This is to inform you that before you qualify for a loan from our company, you will have to agree to certain conditions, which are listed below:

1. You must be willing to pay back the loan funds within the due date.
2. Our loan is granted at a 6% interest rate per annum with a flexible monthly repayment plan that will suit your monthly income.
3. The loan amount is based on an approved 97% Loan-to-Value (LTV) maximum and can also offer 100% financing, depending on the scenario.
4. Repayment is made either Monthly or Yearly, depending on the choice of the borrower. The repayment schedule for the loan will be calculated and sent to the borrower. Clients are given a 2-month grace period before starting the repayment of the loan funds, with no prepayment penalty.
5. The borrower shall provide us with a recent bank statement, driver's license, or any government-issued ID card, and proof of employment.
6. The borrower must be above the age of 20 years and must be responsible for the amount they are borrowing.
7. Our loans are NOT credit-based.
8. The borrower is required to provide a one-time security commitment fee, which will be used to cover the total cost of funding the loan. This fee CANNOT be added or deducted from the principal loan amount.
9. Our loans are typically funded through bank-to-bank transfers, wires, or a certified mail check. The borrower can choose the method that is most suitable for them.
10. All transactions must be legally documented, registered, and secured against any unforeseen circumstances.
11. You will be required to provide us with an ultimate plan outlining how you intend to make the repayments.
12. If you find these terms suitable, we will begin the process of reviewing your loan request and help you get approved for funding.