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Financial planning

Overview

Documents needed

Background information of your existing commercial property portfolio
Details of shareholding of the property-holding company and main trading entity
Signed purchase agreement (where applicable)
Details and description of property i.e. erf description, extent of stand, extent of improvements, type of improvements, street address
Rent roll of subject property, indicating the following per tenant: tenant details, gross leasable area (GLA), lease period, lease escalation, rate/m2, gross rent
Schedule of expenditure detailing operational expenses for the subject property

Documents needed

Details of shareholding of the property-holding company and main trading entity
Signed purchase agreement (where applicable)
Details and description of property i.e. erf description, extent of stand, extent of improvements, type of improvements, street address
Detailed track record of developments completed
Feasibility study of proposed project indicating all relevant development costs, proposed income, VAT component, projected profit
Detailed costing including Priced Bill of Quantities (if available)
Detailed schedule of finished development and specifications
Copies of draft/ approved site development plan (SDP), building plans / general plan / subdivision diagram / engineering designs
Zoning certificate indicating approved use for property
Environmental Impact Assessment (EIA) / Record of Decision (ROD) from relevant authority / Conditions of Establishment (COE) / services agreement with local authority in case of township establishment
Any other relevant studies / reports, e.g. geotechnical report and traffic impact assessment
Proof of availability of bulk services (water / sewerage / electricity)
A detailed list of professionals that will be involved in the project and CVs on each

Client

Credit history of the client
Proposed level of equity contribution toward investment or development

Property

Location and condition of the property

Affordability

Financial statements and behavioural information for banked clients to support affordability
Formal valuation to support suggested gearing level
Our approach is mainly focused on cash flow lending

Client

Experience in the property investment or development market with a focus on existing infrastructure to manage investment properties / deliver the finished product when developing
Credit history of the applicants
Equity contribution proposed toward investment or development

Property

Location and condition of the property
Market demand for the investment property / proposed product offering in case of the development, e.g. 'let-ability' or 'sale-ability'

Affordability

We will assess the level and sustainability of the cash flow over the loan period and the sureties' ability to subsidise any potential shortfalls

Client

Experience in the property investment or development market with a focus on existing infrastructure to manage investment properties
Credit history of the applicants
Equity contribution proposed toward development

Property

Location and condition of the property
Market demand for the investment property / proposed product offering in case of the development i.e. 'let-ability' or 'sale-ability'

Affordability

We will assess the sureties' ability to subsidise any potential shortfalls i.e. servicing of monthly interest, cost overruns during construction period and other cash flow shortfalls

Delivery

The developer's ability to deliver the proposed product within budgetary and time constraints and workmanship of an acceptable quality
We will assess the client's track record, the appointed professional team, and contractor appointed to undertake the construction work

Take-out

We will assess the proposed take-out of the project by scrutinising the market demand for the proposed product offering at the suggested price
In case of residential development, this assessment will be done in consultation with FNB Homeloans

Client

Experience in the property investment or development market with a focus on existing infrastructure to manage investment properties
Credit history of the applicants
Equity contribution proposed toward investment or development

Property

Location and condition of the property
Market demand for the investment property / proposed product offering in case of the development i.e. 'let-ability' or 'sale-ability'

Affordability

In the case of an investment, we will assess the level and sustainability of the cash flow over the loan period and the sureties' ability to subsidise any potential shortfalls
In the case of a development, we will assess the sureties' ability to subsidise any potential shortfalls i.e. servicing of monthly interest, cost overruns during construction period and other cash flow shortfalls

Delivery

The developer's ability to deliver the proposed product within budgetary and time constraints and workmanship of an acceptable quality
We will assess the client's track record, the appointed professional team, and contractor appointed to undertake the construction work

Take-out

We will assess the proposed take-out of the project by scrutinising the market demand for the proposed product offering at the suggested price
This assessment will be done in conjunction with FNB Home Loans (where product sells for more than R500 000) or FNB Housing Finance (where product sells for less than R500 000)