Super Dream A Savings Product Home Loan To Suit Everyone - HFC

Super DreamA savings productLoantoHomesuit everyoneYour own Fijian Bank with real solutions.www.hfc.com.fj

3Your SuperDream Homeawaits you!HFC Bank's Home Loan options willenable you to purchase land, buildor buy a home of your very own atcompetitive interest rates & flexibleterms to make your mortgageexperience a pleasant one.10MinimumDeposit25yrMaximumTerm%

LIMITED TIMEOFFERHome LoanPackage 1Super Dream Home LoanPromotional PackageSuper Dream Home LoanThis package is ideal for single or joint applicants looking to:This package is ideal for single or joint applicants looking to:1.2.3.4.Buy a ready built houseBuy land and build a house ( Construction Cases)Build a house on an existing landRefinance their first home or property 1-year fixed interest rate is 3.99%*, thereafter variable interest rateof 6.35%* per annum will apply.2-year fixed interest rate is 4.50%*, thereafter variable interest rateof 6.35%* per annum will apply.No Loan Administration fees will apply.Consolidation of other loan debts with mortgage.1.2.3.4.Buy a ready built houseBuy land and build a houseBuild a house on an existing landRefinance their first home or property 4.50% fixed rate for first 12 months with 6.99% variable ratethereafter;Equity contribution can be by way of cash, FNPF and/or collateralsecurity;Term of 10 years applicable for land purchase only;Home Insurance, Mortgage Protection and Funeral Policy premiumscould be built in the repayment;Direct salary deduction for loan repayments;Fixed security documentation, Insurance and MPI costs at outset(can be added to loan);Interest only repayments for construction cases (maximum 12months);Investments up to 120,000 for construction cases will qualify fornormal VAT refund subject to FRCS guidelines;Interest accrued on a daily reducing balance and charged monthlybasis; andConsolidation of other loan debts with mortgage.FEATURES & BENEFITS * Rates effective from 15th July 2021 & applicable to new home loans only. Conditions apply.* Interest rates applicable to all home loan packages.FEATURES & BENEFITS 3.99 4.50%Fixed rate for12 months6.35%Fixed rate for24 monthsVariable rate thereafter5%* Conditions apply.4.50%6.99%Fixed rate for Variable rate12 monthsthereafter

Home LoanPackage 2Home LoanPackage 3Super Dream Home Loanwith Government GrantSuper Dream Home Loanwith RBF FacilityThis package is ideal for first time home owners. In partnership withGovernment's Grant Scheme* to encourage Home Ownership, grants arebeing offered to single or joint applicants:This package is ideal for first time home owners. Single or jointapplicants with an annual income or joint annual income of not morethan 50,000 looking to:1. With an annual household income of 50,000 or less: 15,000 grant for the purchase of your first home 30,000 grant for the construction of your first homeA grant of 10,000 is offered for formal lease purchases.2. With an annual household income of 50,001 to 100,000: 5,000 grant for the purchase of your first home 20,000 grant for the construction of your first home1.2.3.4.Buy a ready built houseBuy land and building houseBuild a house on an existing landRefinance their first home or property 3.99% fixed rate for first 5 years with 6.99% variable rate thereafter;Equity contribution can be by way of cash, FNPF and/or collateralsecurity;Term of 10 years applicable for land purchase only;Home Insurance, Mortgage Protection and Funeral Policy premiumscould be built in the repayment;Direct salary deduction for loan repayments;Fixed security documentation, Insurance and MPI costs at outset(can be added to loan);Repayment Holiday for 3 - 6 months in case of construction cases(if applicable);Interest only repayments for construction cases (maximum 12months);Investments up to 120,000 for construction cases will qualify fornormal VAT refund subject to FRCS guidelines;Interest accrued on a daily reducing balance and charged monthlybasis; andRedraw option available on any advance repayments.FEATURES & BENEFITS 4.25% fixed rate for 12 months with 6.70% variable rate thereafter;Equity contribution can be by way of cash, FNPF and/or collateralsecurity;Term of 10 years applicable for land purchase only;Home Insurance, Mortgage Protection and Funeral Policy premiumscould be built in the repayment;Direct salary deduction for loan repayments;Fixed security documentation, Insurance and MPI costs at outset(can be added to loan);Repayment Holiday for 3 - 6 months in case of construction cases(if applicable);Interest only repayments for construction cases (maximum 12months);Investments up to 120,000 for construction cases will qualify fornormal VAT refund subject to FRCS guidelines;Interest accrued on a daily reducing balance and charged monthlybasis; andRedraw option available on any advance repayments.* Individuals or couples should never have previously purchased or owned landor residential home, depending on eligibility. All applicants must be above theage of 18 years. Applicants must expressly state in writing at the time of theapplication, his or her intention of using the Grant to contribute towards his orher finances.* Conditions apply.4.25%6.7%Fixed rate for Variable rate12 monthsthereafter7FEATURES & BENEFITS All applicants must be above the age of 18 years.*Reserve Bank Special Housing Facility is subject to availability of RBF funds.Conditions apply.3.99%Fixed ratefor 5 years6.99%Variable ratethereafter

Home LoanPackage 4ExecutivePackageSuper Dream Home Loanwith Government Grant& RBF FacilitySuper Dream Home LoanExecutive PackageThis package is ideal for first time home owners. Single or jointapplicants with an annual income or joint annual income of not morethan 50,000 and eligible for first housing grant assistance under theGovernment Grant Scheme looking to:HFC Bank’s Executive Package is designed for high net worth individualswho require housing or housing related funding. The product also allowsfor consolidation of lending exposures only where the non-housingcomponent of the funding is not more than 20% of the total funding.FEATURES & BENEFITS1.2.3.4.Buy a ready built houseBuy land and building houseBuild a house on an existing landRefinance their first home or property 3.99% fixed rate for first 5 years with 6.7% variable rate thereafter. If1% interest subsidy is applicable, 1% interest will be credited to thecustomer’s account for the first 3 years;Equity contribution can be by way of government grant, cash, FNPFand/or collateral security;Term of 10 years applicable for land purchase only;Home Insurance, Mortgage Protection and Funeral Policy premiumscould be built in the repayment;Direct salary deduction for loan repayments;Fixed security documentation, Insurance and MPI costs at outset(can be added to loan);Repayment Holiday for 3 - 6 months in case of construction cases(if applicable);Interest only repayments for construction cases (maximum 12months);Investments up to 120,000 for construction cases will qualify fornormal VAT refund subject to FRCS guidelines;Interest accrued on a daily reducing balance and charged monthlybasis; andRedraw option available on any advance repayments. FEATURES & BENEFITS All applicants must be above the age of 18 years. Applicants must expressly statein writing at the time of the application, his or her intention of using the Grantto contribute towards his or her finances.* Reserve Bank Special Housing Facility is subject to availability of RBF funds.Conditions apply.3.99%Fixed for5 years96.7%Variable ratethereafter Equity contribution can be by way of cash, FNPF transfer, and/orcollateral security;Fixed security documentation, Insurance and MPI costs at outset(can be added to loan);Interest only repayments for construction cases (maximum 12months);Repayment holiday (Principal Portion) for 3 months can beconsidered;Interest charged on a daily reducing balance and charged monthlyin arrears.* Conditions apply.4.25%6.99%Fixed rate for Variable rate12 monthsthereafter

FEES & CHARGESFEE DESCRIPTIONAMOUNTEstablishment FeeUp to 499.99 75 500 to 4,999.99 125 5,000 to 14,999.99 250 15,000 to 49,999.99 500 50,000 and over1% of Limit AmountLoan Administration FeeHome LoanNilFNPF FeeFNPF Housing Application Fee 100 per application (plus FNPFcosts)Product Switch FeeSwitch Fee or Restructure 300 per accountArrears FeeArrears Fee 25 on defaultInspection FeeInspection Fee 50 per visit plus additionalcharge of 200 for inspectionsconducted outside businessarea** beyond a 30km radius from branch representationDischarge Fee 250 plus 50 per additionaldocumentDischarge of Term Deposit & Life PolicyAssignment 75 per documentLoan Redraw Fee (Redraw Amount)FEES & CHARGES continuedFEE DESCRIPTIONAMOUNTHousing Loans 550 plus 100 per additionaldocumentSearch FeeRegistration Search Fee 30 per registrationSecurity Agreement Search Fee 30 per agreementTitle Search Fee 30 per titleLTA Search Fee 30 per vehicleConsent Fee (Subsequent Mortgages)All CustomersNilSecurity Documentation Fee (Additional Loans)Housing Loans 300 plus 50 per additionaldocumentDocument Retrieval FeePhotocopy of Security Documents 5 per pageDocument Production FeeAll Loans 100 per documentEach Additional Document 25 per documentPhotocopy charges for Other Document 2 per pageExecution of Documents by Bank’s AttorneyNilCorrection of Name/ Record of Marriage – onleases and titles 50Valuation Fees - Residential PropertiesVacant Land 350Single Storey 500-minimum 2 flats (plus 50 per additional flats)Up to 4,999.99 25Double Storey / 2 Units 1,000 5,000 to 14,999.99 50Multi units 15,000 to 49,999.99 100 800-minimum 2 flats (plus 50 per additional flats) 50,000 to 999,999.99 250Additional Fee for outside Business Area** 50 plus out of pocketexpenses** beyond a 30 KM radius from usual business location of Panel ValuerDocumentation Fees & ChargesSecurity Documentation Fee (New Loans)Assignment over Deposits and MicrofinanceLoans (If Secured) 150 per documentAssignment over life policies includingPreparation of Deed of Defeasance and PolicyNoting with Insurance 150 per documentAssignment of rent 150 per documentSecurity Agreement or Crop Lien (includingrenewal every 5 years) 250 per document11

YOUR COMPLETEBANKING SOLUTION!EVERYDAY RETAIL BANKINGBUSINESS / COMMERCIAL LENDINGPERSONAL LENDINGFOREIGN CURRENCY EXCHANGEINTERNATIONAL SERVICESDEPOSIT PRODUCTSINSURANCE PRODUCTSHEAD OFFICEHFC Centre371 Victoria Parade, SuvaPO Box 161, SuvaPhone: 3316555Fax: 3304171Mobile short code: 5500LAUTOKA163 Vitogo ParadePO Box 3984, LautokaPhone: 6663366Fax: 6662004Mobile short code: 5501SUVAGround Floor, HFC Centre371 Victoria Parade, SuvaPO Box 161, SuvaPhone: 3316555Fax: 3316377Mobile short code: 5500NADIRB Patel JetpointComplex, MartintarPO Box 9449, Nadi AirportPhone: 6721257Fax: 6721258Mobile short code: 5502NAKASIRups Mega Complex, NakasiPO Box 8207, NakasiPhone: 3410055Fax: 3410056Mobile short code: 5504LABASAMain StreetPO Box 3120, LabasaPhone: 8814188Fax: 8814377Mobile short code: 5503GANILAU HOUSEGanilau Building, Scott Street, SuvaPO Box 161, SuvaPhone: 3316246Fax: 3304612Mobile short code: 5515This product brochure must be read in conjunction with HFC Bank's Disclosureof Fees and Charges Brochures for other applicable fees. The fees, charges andinterest rates are subject to change. In such cases, 30 days prior notice would begiven for any changes. For general terms and conditions, please consult aHFC Bank Business/Personal Finance Executive.Effective March 1st 2022.

Super Dream Home Loan with RBF Facility Home Loan Package 3 This package is ideal for first time home owners. Single or joint applicants with an annual income or joint annual income of not more than 50,000 looking to: 1. Buy a ready built house 2. Buy land and building house 3. Build a house on an existing land 4. Refinance their first home or .