The Loan Declaration Form is a critical document in New Zealand's lending process, designed to meet the requirements of the Credit Contracts and Consumer Finance Act 2003 and associated regulations. It serves as a formal statement of the borrower's financial position, circumstances, and acknowledgment of loan obligations. The form is used by financial institutions and lenders to gather necessary information for responsible lending assessments, comply with regulatory requirements, and maintain proper documentation of the loan application process. It includes sections for personal information, financial details, existing commitments, and various statutory declarations required under New Zealand law. This document plays a crucial role in ensuring transparent lending practices and protecting both lender and borrower interests.
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1. Borrower Information: Personal/business details of the borrower including full legal name, address, contact information, and identification details as required by AML/CFT regulations
2. Loan Details: Specific information about the loan including amount, purpose, term, interest rate, and repayment schedule
3. Financial Position Declaration: Borrower's declaration of their current financial position including income, expenses, assets, and liabilities
4. Existing Credit Obligations: Declaration of all existing loans, credit cards, and other financial commitments
5. Privacy Consent: Authorizations regarding the collection, use, and sharing of personal information in accordance with the Privacy Act 2020
6. Declarations and Acknowledgments: Standard declarations confirming the accuracy of information provided, understanding of obligations, and acknowledgment of consequences of default
7. Signature Block: Space for borrower signature, date, and witness details if required
1. Security Details: Required when the loan is secured, detailing the assets being offered as security
2. Guarantor Information: Required when the loan involves a guarantor, including their personal details and declarations
3. Business Purpose Declaration: Required for business loans to confirm the purpose is not primarily personal, domestic, or household
4. Foreign Tax Residency: Required when the borrower has foreign tax obligations or residency
5. Vulnerable Person Declaration: Optional section for identifying if the borrower requires additional support or protection
1. Schedule 1 - Additional Borrowers: Details of joint borrowers if applicable
2. Schedule 2 - Asset and Liability Statement: Detailed breakdown of borrower's current assets and liabilities
3. Schedule 3 - Income and Expenditure Statement: Detailed breakdown of borrower's income sources and regular expenses
4. Schedule 4 - Security Details: Comprehensive description of any assets provided as security, including valuations if applicable
5. Appendix A - Terms and Conditions: Standard terms and conditions applicable to the loan
6. Appendix B - Fee Schedule: Detailed breakdown of all applicable fees and charges
Relevant legal definitions
Borrower
Lender
Loan Amount
Interest Rate
Term of Loan
Security
Default
Event of Default
Guarantor
Business Day
Credit Limit
Disclosure Statement
Due Date
Financial Position
Interest Payment Date
Material Adverse Change
Payment
Personal Information
Privacy Act
Regulatory Authority
Repayment Schedule
Outstanding Balance
Statement Period
Credit Contract
Creditor
Initial Disclosure
Secured Property
Total Amount Payable
Working Day
Authorized Representative
Lender
Loan Amount
Interest Rate
Term of Loan
Security
Default
Event of Default
Guarantor
Business Day
Credit Limit
Disclosure Statement
Due Date
Financial Position
Interest Payment Date
Material Adverse Change
Payment
Personal Information
Privacy Act
Regulatory Authority
Repayment Schedule
Outstanding Balance
Statement Period
Credit Contract
Creditor
Initial Disclosure
Secured Property
Total Amount Payable
Working Day
Authorized Representative
Clauses
Declaration of Financial Position
Privacy and Information Consent
Purpose of Loan
Security Interest
Borrower Acknowledgments
Default and Enforcement
Authority to Verify Information
Change in Circumstances
Fees and Charges
AML/CFT Compliance
Disclosure Consent
Electronic Communication Consent
Credit Reporting Authorization
True and Accurate Information
Financial Hardship
Guarantor Obligations
Asset Declaration
Liability Declaration
Income Verification
Existing Credit Obligations
Tax Residency Status
Vulnerable Person Declaration
Privacy and Information Consent
Purpose of Loan
Security Interest
Borrower Acknowledgments
Default and Enforcement
Authority to Verify Information
Change in Circumstances
Fees and Charges
AML/CFT Compliance
Disclosure Consent
Electronic Communication Consent
Credit Reporting Authorization
True and Accurate Information
Financial Hardship
Guarantor Obligations
Asset Declaration
Liability Declaration
Income Verification
Existing Credit Obligations
Tax Residency Status
Vulnerable Person Declaration
Relevant Industries
Banking
Financial Services
Credit Unions
Mortgage Lending
Consumer Finance
Business Banking
Microfinance
Asset Finance
Property Development
Investment Services
Relevant Teams
Legal
Compliance
Risk Management
Credit Assessment
Loan Processing
Customer Service
Operations
Document Management
Quality Assurance
Front Office
Underwriting
Product Development
Relevant Roles
Loan Officer
Credit Analyst
Compliance Officer
Risk Manager
Banking Relationship Manager
Mortgage Broker
Financial Advisor
Credit Manager
Lending Specialist
Branch Manager
Legal Counsel
Underwriter
Customer Service Representative
Operations Manager
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