DATE

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FROM
SUBJECT

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OCTOBER 9, 2015
MR. EDISON G. RABANO
DISTRICT MANAGER-BATS.-MINDORO
BATANGAS BRANCH
APPLICATION OF MRS. SHIELA MARIE B. KUMAR

PERSONAL INFORMATION
Applicant is Mrs. Shiela Marie Barrola Kumar, 26 years old, married to Mr. Rajiv Kumar , 30 years old. They are
permanently residing at Tingga Labac, Batangas City but they are renting at Brgy. Alangilan, Batangas City because of
their business. They are living with an average condition of lifestyle.
CAPACITY SOURCE OF INCOME
Mrs. Kumar owns and manages PM Eatery located at Brgy. Alangilan, Batangas City operating for 1 1/2 year up to
present.
PM EATERY
Average Daily Income
LESS: Expenses
Meat
Vegetables
Transportation
Salary of waitress (2)
cook
others(condiments/ingredients)
Average daily net income
X
Average monthly net income

P 6,433.00
3,250
260
300
400
350
1000

5,560.00
P 2,127.00
25 days
P 53,175.00

His husband has a business (Pautang System/Bombay) with 12% interest and RTW with 5 % interest. Initial Capital is P
500,000.00, not included in income adjudication.
CHARACTER/CREDIT REFERENCE
As per our actual investigation and verification to the spouses family and neighbors, they are very well known and
respectable to their place. They are our repeat customer with good paying habit.
COLLATERAL PURPOSE
Subject couple wants to avail our Cash Loan Automotive to be used for additional capital.
MAKE
TYPE
YEAR MODEL
PLATE NO.
COLOR
FUEL
ENGINE NO.
CHASSIS NO.

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HYUNDAI
I10 GL 1.1L SUB COMPACT
2009
ZPG-909
RED
GAS
G4HG9M692755
MALAM51BP9M267619

APPRAISAL COLLATERAL
SELLING PRICE/MARKET VALUE
ALMOST 50% APPROVED LOAN
MAXIMUM LOAN VALUE

Php 240,000.00

Php 100,000.00

INSURANCE
Subject applicant has agreed that the collateral will be covered with comprehensive insurance.
Has insufficient PDC therefore will be charged with Handling Fee.
Your approval will be highly appreciated.
Thank you and God bless..
Very truly yours,
NICASIO B. ATIENZA
Branch Manager

Cc : fsa file