Minimum Document Requirements

FICA Documents Required

• Color copies of applicant(s) Identity Documents(s)
• Marriage Certificate & ANC Contract
• If divorced – copy of divorce order
• Utility Bill reflecting the physical address of the applicant(s)

Salaried Applicants

• Latest 3 months’ payslips (income to be verified against bank account)
• If in receipt of allowances or variable pay, then 6 months’ latest payslips are required
• Detailed Income and Expenditure statement, signed by applicant(s)
• Latest 3 months’ bank statements, of the primary bank account, where the nett salary & debit orders reflect. Must be non-internet, stamped bank statements
• If in receipt of variable income, then 6 months’ latest statements will be required
• Statement of Assets and Liabilities
• If applicant is not a SA citizen, copy of residence and work permit

Self Employed Applicants

• Comparative financials covering a period of 2 years
• Letter from an accredited auditor confirming personal income / remuneration / drawings from the business
• 6 Months non-internet, stamped bank statements for business and personal accounts
• If financials are older than 6 months, then up-to-date, signed management accounts are required
• Cash flow forecast for ensuing 12 months
• Personal statement of Assets and Liabilities
• Personal and business bank statements
• IT34
• Company/CC/Trust – statutory documents
• Color copies of directors/members/trustees Identity Document(s)