Loans & borrowing

Services	Rates	Rates Including VAT
Application Fee	1.5% of Loan or Min $175 for Vehicles	1.5% of Loan + 10% VAT
Government Stamp Fees	1.00%	1.00%
Registration Fees (Fee does not attract VAT)	$13.50	$13.50
Legal Fees	$10.00	$11.00
Late Payment Fee	$35.00	$38.50
Authority to hold funds	$3.00	$3.30
Government Stamp Duty on Credit Agreements	$10	-
Government Stamp Duty on Credit Agreements	$10	-
Other Consumer Loans
Application Fee	1.5% of Loan or Min $175 + 10% VAT	1.5% of Loan + 10% VAT
One time Pre-Approved/Pre-Qualified Processing Fee - in lieu of Application Fee	-	2.5% of the loan amount (Includes Government Stamp Tax of 1%. Also includes 10% VAT - for digital loans only)
Government Stamp Fees	1.00%	1.00%
Late Payment Fee	$35.00	$38.50
Loan Extension and Refinance Fee	1.5% of Loan/Min $200 (to be charge on the NEW FUNDS only)	1.5% of Loan/Min $200 + 10% VAT
Government Stamp Duty on Credit Agreements	$10	-
Government Stamp Duty on Credit Agreements	$10	-

Services	Rates	Rates Including VAT
Application Fee	$100.00	$110.00
Commitment Fees	2.00%	2% + 10% VAT on the amount charged
Government Stamp Fees	1.00%	1.00%
Early Repayment Charges	3 months int.	3% months Int.
Late Payment Fee	1% of Payment; Minimum $35	1% of Payment; Minimum $35 + 10% VAT
Mortgage Satisfaction	$100.00	$110.00
Payment of Insurance premium	$25.00	$27.50
Government Stamp Duty on Credit Agreements	$10	-
Government Stamp Duty on Credit Agreements	$10	-
Real Estate
Application Fee	$100.00	$110.00
Commitment Fees	2.00%	2% + 10% VAT on the amount charged
Government Stamp Fees	1.00%	1.00%
Late Payment Fee	1% of Payment; Minimum $35	1% of Payment; Minimum $35 + 10% VAT
Mortgage Satisfaction	$100.00	$110.00
Government Stamp Duty on Credit Agreements	$10	-
Government Stamp Duty on Credit Agreements	$10	-