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Guaranty Line Application Checklist of Requirements
HCG requirements checklist for guaranty line application
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Checklist of Requirements
I.
COMPANY PROFILE
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II.
Company Background
SEC Registration and Articles of Incorporation
Shareholders with breakdown of shares of stocks
Secretary’s Certificate – board approval for a guaranty line application
Principal officers and their bio-data
Organizational structure
Services/ Products offered
FINANCIALS
___ Audited Financial Statements for the past three (3) years duly received by
the Bureau of Internal Revenue (BIR)
___ Income and Business Tax Returns for the past three (3) years duly received
by the BIR
___ Tax Clearance from BIR – to prove full and timely payments of taxes
___ BSP’s CAMELS Rating – for bank applicants only
___ BSP’s Bank Examiner Report on the Bank
III.
HOUSING LOAN CREDIT POLICIES AND GUIDELINES
As to the following:
a) Purpose
b) Borrower’s eligibility
c) Credit Ratio
d) Loan limit
e) Security
f) Term
g) Interest rate
h) Approving Authority
i) Credit Management Structure
IV.
PROSPECTIVE ENROLLMENTS
Containing the following data:
Account Name
1.
2.
a) For Developmental Line
Project Name
Location
b) Retail Line
For Real Estate Mortgages
Housing Packages
No. of
Accts.
No. of Units
Ave. Sales Package
Loan Amount
Additional Information for CTS Accounts
Value
(PhP)
Originating
Developer
P400k & below
Above P400k-3.0m
Above P3.0m-4.0m
Above P4.0m
c) Loans Portfolio
1. Total Volume
2. Interest Rate
3. Collection Efficiency
Name of
Subdivision
Location of
Property
CTS Buyer’s
Equity
Seasoning
Period
