14 Rosmead Avenue, Kenilworth, Cape Town · Erf 41827
| Document | Detail | Status |
|---|---|---|
| This application | 6 pages, populated from the documents below | Attached |
| South African ID | Verified against Home Affairs | Attached |
| Proof of residence | Municipal account, 14 days old | Attached |
| Bank statements | 6 months, June to November 2026 | Attached |
| Payslips | Latest 3, August to October 2026 | Attached |
| Employer confirmation | Permanent, past probation | Attached |
| Offer to Purchase | Signed by both parties, scanned by the agent | Attached |
| ANC contract | Registered, no accrual | Attached |
| Credit bureau report | Pulled 11 October 2026 | Attached |
| 9 documents | 4.2 MB · sealed and hashed | Complete |
Nothing in this application was typed from memory. Every figure was lifted from a source document and then cross-checked against the others — which is how the undeclared store account surfaced. Turn on "Show where every figure came from" above and each field will tell you which document it came off.
| Institution | Type | Balance | Instalment | Settle? |
|---|---|---|---|---|
| WesBank | Instalment sale — VW Polo | R218 400 | R4 600 | No |
| FNB | Credit card | R24 300 | R800 | No |
| Woolworths | Store account | R3 180 | R500 | Yes |
| Total | R245 880 | R5 900 |
The Woolworths account was not declared. It was found as a recurring debit order in the bank statements, confirmed with the applicant, and she elected to settle it on registration.
| Item | Detail | Value | Owing |
|---|---|---|---|
| Vehicle | 2022 VW Polo, financed through WesBank | R285 000 | R218 400 |
| Investments | Allan Gray unit trusts | R142 000 | — |
| Savings | Deposit, held since March 2026 | R195 000 | — |
| Credit card | FNB | — | R24 300 |
| Store account | Woolworths | — | R3 180 |
| Totals | Net asset value R376 120 | R622 000 | R245 880 |
ECTA Schedule 2 excludes agreements for the sale of land from electronic signature, so the OTP was signed by hand and scanned in by the agent on 28 August. Everything else in this pack was completed and signed electronically.
Each was ticked on its own screen, with the full populated application visible above it — not behind a link.
"I have read this application and confirm that everything in it is true and correct. I understand the banks will rely on it."
"I appoint Loan Ranger to apply on my behalf and consent to my information being sent to ABSA, FNB, Nedbank, Standard Bank, SA Home Loans, Capitec, Investec, RMB Private Bank and Discovery Bank."
"Send my ID and proof of address to •••••• Properties so I do not have to send them twice."
Left unticked by the applicant. No marketing may be sent.
A tick box on its own proves very little. What makes it hold up is the record around it — who was authenticated and how, what exactly they were shown, when, and a hash proving the document has not changed since. Most originators do not produce this page. Confirm with each bank that they accept it; if one insists on a signature, this same pack is produced for signing instead.
Every populated field in this application carries the document it was read from. A credit assessor can trace any number back to its source without phoning anybody.
| Code | Source document | Fields | Share |
|---|---|---|---|
| ID | South African ID card | 8 | 9% |
| PS | Payslips, August to October 2026 | 14 | 16% |
| BS | Bank statements, 6 months | 22 | 25% |
| CB | Credit bureau report | 11 | 13% |
| OTP | Offer to Purchase | 10 | 11% |
| POR | Proof of residence | 5 | 6% |
| ANC | ANC contract | 2 | 2% |
| EMP | Employer confirmation letter | 2 | 2% |
| ASKED | Answered by the applicant — cannot be extracted | 13 | 15% |
| Total populated fields | 87 | 100% |
Seventy-four of eighty-seven fields were read off a document and confirmed by the applicant rather than entered by hand. The thirteen that were asked are the ones no document contains — dependants, home language, whether she smokes. That ratio is the accuracy claim, and this page is the proof of it.
A measure of how much of this application was checked against a source document rather than taken on trust. It says nothing about the applicant's creditworthiness — that is the bank's assessment to make, on its own scorecard and its own bureau data.
| What was checked | Against what | Result |
|---|---|---|
| Identity | Home Affairs verification on the ID number | Confirmed |
| Net income of R62 400 | Six months of salary credits in the bank account | Matched every month |
| Employment | Employer letter and three payslips | Permanent, 6y 7m |
| Deposit of R195 000 | Traced in the statements to March 2026 | Saved, not borrowed |
| Residential address | Municipal account dated 28 September 2026 | 14 days old |
| Existing debt of R5 900 | Credit bureau and debit orders, cross-checked | Agrees |
| Undeclared debt | Debit orders against what was declared | 1 found, added |
Observations of fact, over the period stated. A credit bureau records how someone handles credit; a bank account records how they handle money. These are the things a bureau report cannot tell you.
Instalments on R1 755 000 over 20 years. The last line is the rate at which the repayment would reach 40% of net income, which is where most lenders stop being comfortable.
It is not a credit score. Credit bureaus are registered with the National Credit Regulator and we are not one. Nothing here grades the applicant or competes with the bank's own assessment.
It is an assurance statement plus observations of fact. Everything in section B says what was checked against which document. Everything in section C is something that did or did not happen in a bank account over a stated period, with no opinion attached.
No decision here was automated. A named person reviewed this application and recorded their reasons, as section 71 of POPIA requires where a decision carries legal consequences.