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PERSONAL DETAILS

Full Name

Date of Birth

Email

Mobile Number

EMPLOYMENT DETAILS

Employer

Occupation

Years of Service with Current Employer

Employer Address

Employer Contact

Identification Card

REFEREES
Referee Full Name

Referee Contact

Spouse Details
Spouse Full Name

Spouse Contact

Spouse Employer

Spouse Occupation

Bank Information

Bank Name

Account Number

TERMS & CONDITIONS
I certify that the foregoing particulars are correct to the best of my knowledge and in consideration of you providing lending to me
I acknowledge the following terms and conditions in regards to borrow/purchase made by me:
A. I agree that Loan Fees of (as per contractual agreement) be added to my loan.
B. i agree to arrange irrevocable source deductions / bank deductions / standing orders as per my contractual repayment of the loan.
C. I agree that default fee of 25% on every installment will accrue to my loan account each time I do not repay on time as agreed.
D. In the event I my installments is less than the installment agreed, I agree that default fee of the short fall of 25% be imposed.
E. I further agree that 25% default fee will continue to accrue even after the agreed installment period has lapsed until it is paid in full. Handy Finance Ltd (HFL) shall take steps to commence recovery
action at any time preceding the first default.
F. In the event of Annual Leave or Recreation leave, my outstanding repayable loan amount will be deducted from my leave entitlements.
G. In the event of suspension from work, salary deduction would commence immediately upon resumption of duties.
H. In the event of my termination, death, resignation, retrenchment; any outstanding balance repayable loan including penalty charges will be recouped from my final entitlement, final pay.
I. In any event of distress arising from non-payment of my loan, I hereby irrevocably authorize HFL, or its authorized agents / bailiffs to enter my premises and seize my assets and sell at public
auction, and the proceeds to be credited to my loan account to fully settle my outstanding debt(s)
J. I hereby fully understand the Terms and Conditions stated in my loan agreement application form between myself and HFL.
K. If I miss a deduction I will pay cash / cheque into HFL Account to avoid the aforesaid default fee.
L. If I arrange for my deduction through bank to bank transfer, I shall not amend HFL deduction without the consent of HFL in writing.
M. To secure an immediate, subsequent or future loan, I may also allow Handy Finance Ltd to deduct a premium as security.
N. In any event of dispute, I will address my dispute to HFL for amicable resolution, prior to resorting to legal or regulatory authorities.
O. I agree that my loan will have to be restructure in the event of defaults, change in terms, interest rate etc and I just have to be inform formally through email, letters or a phone call

Check if your agree with the terms and conditions
AGREE

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