Personal Statement of Affairs (PSOA) - Personal Client
|BRANCH: |Acct. Officer Code: |NEG FEES: |DATE (YYYY/MM/DD): |
| | | | |
|AMT OF LOAN REQ.: |PURPOSE OF LOAN: |
| | |
|VISA ACCT NO.: |CUSTOMER MASTER NO.: |NATIONAL INSURANCE NO./NATIONAL I.D.: |MASTERCARD ACCT NO.: |
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|DRIVER’S LICENSE NO.: |EXPIRY DATE (YYYY/MM/DD): |PASSPORT NO.: |EXPIRY DATE (YYYY/MM/DD): |
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|personal information |
|NAME (PLEASE PRINT) |DATE OF BIRTH (YYYY/MM/DD) |AGE |MARTIAL STATUS |NO. OF DEPENDENTS |
| | | | |(INCL SPOUSE) |
|HOME ADDRESS – NUMBER, STREET, CITY |POSTAL BOX |SINCE (YEAR) |TELEPHONE NUMBERS |SPOUSE’S NAME |DATE OF BIRTH |
| | | |Home: Cell: | |(YYYY/MM/DD) |
| | | |Work: | | |
|NAME & ADDRESS OF LANDLORD (IF RENTING) |PREVIOUS ADDRESS |YEARS THERE |
| | | |
| | | |
|NAME OF PERSONAL REFERENCE – IMMEDIATE FAMILY PREFERRED |ADDRESS – STREET, CITY, P.O. BOX |TELEPHONE NUMBERS |RELATIONSHIP |
| | |Home: Cell: | |
| | |Work: | |
|NAME OF PERSONAL REFERENCE – IMMEDIATE FAMILY PREFERRED |ADDRESS – STREET, CITY, P.O. BOX |TELEPHONE NUMBERS |RELATIONSHIP |
| | |Home: Cell: | |
| | |Work: | |
|NAME OF BANK OR FINANCIAL INSTITUTION |HAVE YOU ANY JUDGEMENTS OR | YES |IF YES, SEE PAGE 2 |INDIRECT LIABILITIES (GUARANTEES | YES |
| |LEGAL PROCEEDINGS AGAINST YOU? |NO |(FOR DETAILS ( |OR ENDORSEMENTS FOR OTHERS) |NO |
|HAVE YOU EVER BORROWED |IF YES, WHERE AND WHEN |AMOUNT |HAVE YOU HAD ANY PREVIOUS LOANS |IF YES, WHERE AND WHEN |AMOUNT |
|BEFORE FROM ANY SOURCE? | | |FROM THE ROYAL BANK? | | |
|YES NO | | |YES NO | | |
|employment information |
|NAME & ADDRESS OF EMPLOYER |TELEPHONE |EMPLOYMENT DATE |PRESENT ANNUAL SALARY OR WAGES | |
| | |(yyyy/mm/dd) | | |
| | | | | |
|OCCUPATION |POSITION |EMPLOYEE NO. |RENT: 50% 75% | |
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|PREVIOUS EMPLOYER |EMPLOYMENT DATE |other | | |
| |(yyyy/mm/dd) |income |(source) | |
| | | | | |
|NAME & ADDRESS OF SPOUSE’S EMPLOYER |TELEPHONE |EMPLOYMENT DATE |SPOUSE’S ANNUAL SALARY OR WAGES | |
| | |(yyyy/mm/dd) | | |
| | | | | |
|OCCUPATION |POSITION |EMPLOYEE NO. |TOTAL ANNUAL INCOME |$ 0.00 |
| | | | | |
|PREVIOUS EMPLOYER |EMPLOYMENT DATE |TOTAL MONTHLY INCOME( |$ 0.00 |
| |(yyyy/mm/dd) | | |
| | | | |
|financial information |
|asset |amount |liabilities |amount |monthly pmt |
|CASH (ROYAL BANK) | |(loans, mortgages, credit cards. all other | | |
| | |debts) | | |
|CASH (OTHER) | |MORTGAGE |RENEWAL DATE (YYYY/MM/DD) | | |
| | | | | | |
|LIQUID INVESTMENTS (STOCKS, BONDS, ETC.) | |BANK LOANS – ROYAL | | |
| | |BANK LOANS – OTHER | | |
|LIFE INSURANCE – | |LOANS – CREDIT UNION | | |
|FACE AMOUNT |PAYABLE TO | |LOANS – INSURANCE CO. | | |
| | |csv | | | |
|OTHER LIQUID ASSETS (SPECIFY) | |CREDIT CARDS – VISA ROYAL – LIMIT $ | | |
| | |CREDIT CARDS – OTHER – LIMIT $ | | |
|REAL ESTATE | | |OTHER DEBTS (SPECIFY) | | |
| | | | | |
|AUTOMOBILE | | | | | |
|year and make | | | | | |
|year and make | | | | | |
|FURNITURE | | | | | |
|OTHER | | |MONTHLY RENT (IF APPLICABLE) | | |
|OTHER | | | |SUBTOTAL |$ 0.00 |
|REAL ESTATE OWNED - LOCATION |REGISTERED - OWNER |YR PURCHASED |PURCHASE PRICE |VALUE |EQUITY |FIRE INS |
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|APPLICABLE LOAN TYPE |INTEREST RATE VALID UNTIL | ROYAL BANK PRIME PLUS % |PAYMENT |TERM |AMORTIZATION |
| | |ROYAL BANK PERSONAL LOAN BASE RATE PLUS % | | | |
| | / / |FIXED % | | | |
|I/We warrant and confirm the information given herein is true and correct and I/We understand it is being |PAYMENT IN MONTHLY INSTALLMENTS |
|used to determine My/Our credit responsibility. I/We further confirm that no information, which might affect| |
|the Bank's decision to make the loan, has been withheld. I/We hereby authorize and consent to the Bank |BEGINNING ONE MONTH FROM DATE OF NOTE / AGREEMENT |
|receiving and exchanging any financial and other information which it may have in it's possession about |BEGINNING - / / |
|Me/Us with any of it's subsidiaries, agents, third party assignees, other financial institutions, Credit |MATURITY DATE - / / |
|Bureaus or other person of Corporation or with whom I/We may have or propose to have financial dealings from| |
|time to time. I/We indemnify the Bank against any loss, claims, damages, liabilities, actions and | |
|proceedings, legal and or other expense which may be directly and reasonably incurred as a consequence of | |
|the disclosure of the financial information. My/Our deposit account may be charged with the monthly payments| |
|as they mature and I/We agree to pay your customary assessment for any notices of overdue installments. | |
| | | |
|APPLICANT’S SIGNATURE | |CO-SIGNOR (SPOUSE ONLY) |
|SOURCE OF BUSINESS | | | | | | |
|NEW |REFINANCE |FORMER |NEWSPAPER |RADIO |TV |OTHER (SPECIFY) |
|MAIL DROP |DIRECT MAIL |WALK IN |SIGN |STAFF REFERRAL |CLIENT REFERRAL | |
|JUDGEMENTS OR LEGAL PROCEEDINGS (PARTICULARS) |
| |
|INDIRECT LIABILITIES (PARTICULARS) |
| |
|investigation |
|EMPLOYER CONFIRMS |SALARY VERIFICATION/CONFIRMATION DETAILS: |
|POSITION INCOME SERVICE | |
|PREVIOUS EMPLOYER CONFIRMS | |
|POSITION INCOME SERVICE | |
|SPOUSE’S EMPLOYER CONFIRMS | |
|POSITION INCOME SERVICE | |
|LANDLORD / MORTGAGE HOLDER | |
|MO. PAYMENT YEARS THERE PAYING HABITS – GOOD / SLOW | |
| LIFE INSURANCE APPRAISAL | |
|existing creditors (Verify standing of account with all creditors.) |
|NAME OF COMPANY / BANK |TELEPHONE |DATE ACCT OPENED |HIGH CREDIT |TERMS |BALANCE |RATING |OTHER INFORMATION OBTAINED |
| | | / / | | | | | |
| | | / / | | | | | |
|record particulars of last check completed |
|GENERAL INFORMATION |CONFIRMATION |REFERENCE CHECKED |DATE ACCT OPENED |HIGH CREDIT |TERMS |PRESENT BALANCE |RATING |
| |YES |NO | | | | | | |
|AGE | | | | / / | | | | |
| | | | | | | | | |
|ADDRESS | | | | / / | | | | |
| | | | | | | | | |
|EMPLOYER | | | | / / | | | | |
| | | | | | | | | |
|SALARY | | | | / / | | | | |
| | | | | | | | | |
|INVESTIGATOR’S REMARKS |NO. OF YEARS RBC|
| |CUSTOMER |
| | |
|COLLATERAL SECURITY | | |INITIALS |
|HELD TO BE OBTAINED BEING SENT |} | | |
|SHOW FULL PARTICULARS FORM NO. AND | | | |
|DESCRIPTION OF SECURITY. | | | |
| | | | |
|ENDORSEMENT(S) AND/OR CO-SIGNER(S) (ATTACHED S.O.A.) |
|INSERT NAME(S) AND THE DEGREE OF|} | |
|PROTECTION AFFORDED SUCH AS NET | | |
|WORTH, ETC. | | |
|TOTAL DEBT SERVICE RATIO |TOTAL MONTHLY PAYMENTS INCLUDING NEW LOAN | |X 100 = % (should not exceed 40%) |
|(SPOUSE MUST CO-SIGN IF INCOME BEING USED) |GROSS MONTHLY INCOME | | |
| | | | |
| | | | |
| | | | |
|INFORMATION CHECK LIST | AUTOMOBILE INSURANCE VERIFIED | REGISTERED CHATTEL MORTGAGE | SALARY ASSIGNMENT |
| |CHATTEL MORTGAGE ON MOTOR VEHICLE TAKEN / BILL OF SALE|SPOUSE’S COVENANT HELD |SALARY DEDUCTION - |
| |ON MOTOR VEHICLE TAKEN | | |
| | | | |
|REFINANCE LOAN # TRANSIT #: LOAN NOTE DATE - / / | LOAN # TRANSIT #: |
| CREDIT A/C # TRANSIT #: | DEBIT A/C # TRANSIT #: |
| |
|CREDIT BUREAU RESULTS: |
| |
| | | |APPROVING |
| | | |OFFICER |
| | | | |
| |CREDIT POLICY EXCEPTIONS |NAME AND SIGNATURE | |
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