Initial Questionnaire for Individuals applying for a Loan 

A. Identity and Legal Status Verification 

1.    Full Legal Name (as per official ID): 

2.    Date of Birth (DD/MM/YYYY): 

3.    Place of Birth: 

4.    Nationality/Citizenship (provide official documentation): 

5.    Current and Permanent Address (verified through utility bills or lease agreements): 

6.    Taxpayer Identification Number or Equivalent (TIN/SSN): 

7.    Marital Status (to assess liabilities or shared income): 

8.    Contact Details (Email, Mobile, Landline):  

B. Employment and Income Verification 

1.    Employment Type: 

       ☐ Salaried (specify employer and position):  
       ☐ Self-employed (provide audited accounts for the last 3 years):  
       ☐ Retired (submit proof of pension/investment income): 

2.     Years with Current Employer/Self-Employment: 

3.     Monthly Gross Income (attach payslips or equivalent evidence): 

4.     Monthly Net Income: 

5.     Irregular Income Sources (e.g., bonuses, dividends, rental income): 

6.     Tax Compliance:  
        -Submit tax returns for the last 3 years.  
        - Provide proof of no outstanding tax liabilities. 

C. Asset and Liability Declaration 

1.      Detailed List of Assets:  
         - Real Estate (include official valuations and ownership documents).  
         - Vehicles (include make, model, and valuation).  
         - Financial Instruments (e.g., bonds, shares, mutual funds).  
         - Liquid Savings (e.g., bank deposits, cash holdings). 

2.     Detailed List of Liabilities:  
         - Existing Debts (provide loan agreements and repayment history).  
         - Credit Card Balances (attach latest credit card statements).  
         - Other Obligations (e.g., alimony, maintenance payments). 

D. Loan-Specific Questions

1. Exact Loan Amount Requested:  
2. Clear and Specific Purpose of the Loan:  
     - ☐ Property Purchase (attach purchase agreement).  
     - ☐ Medical Expenses (provide estimates/invoices).  
     - ☐ Business Investment (provide business plan and projections).  
     - ☐ Other (specify and attach evidence).  
3. Proposed Loan Term (specify duration and preferred repayment schedule):  

E. Risk and Debt Service Capacity 

1. Monthly Debt Repayment Ability:  
2. Current Debt-to-Income Ratio (calculate and provide supporting documents):  
3. History of Default (attach credit history reports from all relevant bureaus):  
4. Stability of Income Source (e.g., permanent employment, freelance):  
5. Probable Income Growth over Loan Term (based on past trends and future projections).  

F. Documentation Requirements (Strictly Mandatory) 

- Government-issued ID (passport, national ID).  
- Proof of address (utility bill, tax bill).  
- Payslips or income statements (last 12 months).  
- Tax returns (last 3 years).  
- Credit bureau report from all relevant jurisdictions.  
- Documentation for all assets and liabilities declared.