{
"PLOfferId":"608051",
"PLOffer":{
"PLOfferId":"608051",
"Terms": [
{
"MaxAmount": {
"Amount": 6500,
"Currency": "ZAR"
},
"MinAmount": {
"Amount": 2000,
"Currency": "ZAR"
},
"Term": 12,
"InterestRate": {
"Rate": 10,
"Label": "Fixed interest rate"
},
"Preferred": false
}
],
"LoanDetails": {
"InitiationFee": {
"Amount": {
"Amount": 649.75,
"Currency": "ZAR"
},
"Label": "Initiation fee",
"Description": null
},
"CostMultiplier": {
"Rate": 1.42,
"Label": "Credit cost multiple",
"Description": "The ratio of the total cost of credit (total costs and interest, that you pay back) to the loan amount. The cost of each rand you borrow."
},
"TotalLoanAmount": {
"Amount": {
"Amount": 5649.75,
"Currency": "ZAR"
},
"Label": "Total loan amount",
"Description": "Amount paid into your account plus an initiation fee."
},
"LoanAmount": {
"Amount": {
"Amount": 5000,
"Currency": "ZAR"
},
"Label": "Amount we'll pay into your account",
"Description": null
},
"NumberOfInstallments": {
"Amount": 12,
"Label": "Number of instalments"
},
"FixedInterestRate": {
"Amount": 10,
"Label": "Fixed interest rate"
}
},
"RepaymentDetails": {
"CreditLife": {
"Amount": {
"Amount": 14.12,
"Currency": "ZAR"
},
"Label": "Credit life insurance",
"Description": null
},
"ServiceFee": {
"Amount": {
"Amount": 69,
"Currency": "ZAR"
},
"Label": "Monthly service fee",
"Description": null
},
"BaseRepaymentAmount": {
"Amount": {
"Amount": 506.91,
"Currency": "ZAR"
},
"Label": "Base repayment",
"Description": null
},
"TotalMonthlyRepayment": {
"Amount": {
"Amount": 590.03,
"Currency": "ZAR"
},
"Label": "Total Monthly Repayment",
"Description": null
},
"TotalAmountRepayable": {
"Amount": {
"Amount": 7080.36,
"Currency": "ZAR"
},
"Label": "Total you'll pay back",
"Description": "Total monthly instalments, including interest, credit insurance and a service fee."
}
},
"CreditInsuranceLink": "https://www.nedbank.co.za/content/dam/nedbank/site-assets/Personal/Personal_Loans/Insurance/InsuranceBrochure.pdf",
"ExclusionLink": "https://www.nedbank.co.za/content/dam/nedbank/site-assets/Personal/Personal_Loans/Insurance/Policydocument.pdf",
"InsuranceAccepted": true,
"IsNedbankStaff": false,
"Disclaimers": {
"DataLabels": [
"As a loyal Nedbank client, you could qualify for a personal loan of up to R6 500.00.",
"To get a decision in a few minutes, please confirm that:"
],
"Disclaimers": [
{
"Disclaimerid": 4,
"DisclaimerLabel": "you're permanently employed;",
"Accepted": true
},
{
"Disclaimerid": 5,
"DisclaimerLabel": "neither you nor your spouse is insolvent, under administration, curatorship or undergoing debt counselling and that neither you nor your spouse has any pending disputes with a credit bureau;",
"Accepted": true
},
{
"Disclaimerid": 77,
"DisclaimerLabel": "you consent to us processing your personal information so that we can provide banking services to you.",
"Accepted": true
}
]
},
"Disclosures": {
"DisclosureDetails": [
{
"DisclosureDetailId": 6,
"Label": "Debit order mandate",
"Description": "Your instalment is due from the 1st of next month and you consent to our debiting your Nedbank salary account on the day your salary is paid.",
"Options": [],
"Selected": null
},
{
"DisclosureDetailId": 7,
"Label": "Credit and fraud check mandate",
"Description": "By accepting this offer, you agree that Nedbank may do credit and fraud checks when necessary.",
"Options": [],
"Selected": null
},
{
"DisclosureDetailId": 8,
"Label": "Honesty",
"Description": "You confirm that the information you've provided is correct.",
"Options": [],
"Selected": null
},
{
"DisclosureDetailId": 9,
"Label": "Spousal consent",
"Description": "If you're married in community of property or if you were married outside of South Africa, your spouse must agree in writing to your taking up this loan.",
"Options": [
{
"OptionsId": 10,
"Label": "I confirm that my spouse has agreed to the above."
},
{
"OptionsId": 11,
"Label": "This doesn't apply to me."
}
],
"Selected": 11
}
],
"Purpose": {
"Options": [
{
"OptionsId": 1,
"Label": "Death/Funeral costs"
},
{
"OptionsId": 2,
"Label": "Debt consolidation"
},
{
"OptionsId": 3,
"Label": "Education cost"
},
{
"OptionsId": 4,
"Label": "Furniture"
},
{
"OptionsId": 5,
"Label": "Housing related (Improvements, deposit, etc)"
},
{
"OptionsId": 6,
"Label": "Income loss"
},
{
"OptionsId": 7,
"Label": "Loss (theft/fire)"
},
{
"OptionsId": 8,
"Label": "Medical or illness"
},
{
"OptionsId": 9,
"Label": "Services"
},
{
"OptionsId": 10,
"Label": "Funding of small business"
},
{
"OptionsId": 11,
"Label": "Other"
}
],
"Selected": 1
},
"Email": "USERSEMAIL@NEDBANK.CO.ZA",
"Accepted": true
},
"TermsAndConditions": {
"Label": "View and accept your policy terms and conditions.",
"Url": "https://www.nedbank.co.za/content/dam/nedbank/site-assets/Personal/Personal_Loans/TsandC/Personal_Loans_T&C.pdf",
"Accepted": true
},
"Financials": {
"Declarations": [
{
"Label": "Total monthly income",
"Description": "This information comes from your Nedbank salary account.",
"Amount": {
"Amount": 94388.29,
"Currency": "ZAR"
}
},
{
"Label": "Total monthly living expenses",
"Description": "This can include rent, food, transport, medical expenses and school fees.",
"Amount": {
"Amount": 2074.45,
"Currency": "ZAR"
}
},
{
"Label": "Total monthly debt obligations",
"Description": "This can include car finance, home loans, cellphone contracts, credit cards and store card accounts.",
"Amount": {
"Amount": 1159,
"Currency": "ZAR"
}
}
],
"Accepted": true
}
}
}
|
