Pre-qualification_Letter_of_Suman

@php $form = $data['form']; $bank = $data['bank']; $otherDetails = $data['other']; $all_banks = $data['all_banks']; $date = new DateTime("now", new DateTimeZone("Asia/Dubai")); @endphp

STRICTLY PRIVATE AND CONFIDENTIAL
Date: {{$date->format("D M d Y \\G\\M\\TP")}} (Gulf Standard Time)
Customer Name: {{$form['name']}}
Email id: {{$form['email']}}
Mobile: {{$form['phone']}}
Dear Customer(s),

"Mortgage Pre-qualification Letter"

We refer to the information submitted by you in our mortgage eligibility calculator powered by mortgagemarket.ae. Hamilton Intemational Mortgage Consultant (hereinafter referred to as the "Broker") confirm that based on the same we are confident we will be able to secure a Mortgage Facility ("Facility") in your favor from an empaneled bank ("The Bank") in the IJAE on the terms and subject to the conditions as set out below:

Borrower(s)	{{$form['name']}}
Facility Limit	{{num_format($otherDetails['max_loan_eligibility'])}}/-
Tenor	{{$otherDetails['choosen_tenor']}} years
Interest/Profit Rate	Variable Rate: From as Low is 0.99% + 3 months EIBOR. Fixed Rate: From 3.98%p.a for 3 to 5 years fixed.
Loan to Value (LTV)	First mortgage: {!! $data['first_ltv'] !!} Second and subsequent mortgage: {!! $data['second_ltv'] !!}
Property Value	Value of the property shall be the purchase price Of the property or the market value Of the property assessed by the Bank's approved Valuers, whichever is lower.
Fees and charges	Will be communicated on finalization of the Bank

Please note this document does not constitute to a guarantee Of an approval from the bank and is only an indicative assessment Of your eligibility for a mortgage based on the information you have provided( refer to Annexure I on page 2). All mortgage approvals and terms are at the discretion of a bank.

Yours sincerely,

Team mortgagemarket.ae

Email: info@mortgagemarket.ae

Website: www.mortgagemarket.ae

ANNEXURE 1

Provided Personal Information
Name	{{$form['name']}}
Date of Birth	{{$form['dob']}}
UAE National?	{{$otherDetails['uae_national']}}
Residing in UAE?	{{$otherDetails['resident']}}
Salaried/Self Employed	{{$otherDetails['salaried']}}

@foreach($data['incom_details'] as $income_key => $income) @endforeach {{-- --}}

Provided Income Details
{{ $income['label'] }}	{{$income['value']}}
Monthly Salary/Income	{{num_format($form['monthly_gross_salary'])}}
Guaranteed Annual Bonus	{{num_format($form['fixed_annual_bonus'])}}
Average Monthly Commissions	{{num_format($form['variable_monthly_income'])}}
Annual Rental Income	{{num_format($form['annual_rental'])}}
Monthly Pension	@if(array_key_exists('monthly_pension', $form)) {{num_format($form['monthly_pension'])}} @endif

@foreach($data['lib_labels'] as $lib_key => $lib) @endforeach {{-- --}}

Provided Details Of Existing Liabilities
{{ $lib['label'] }}	{{num_format($lib['value'])}}
Existing Auto Loan payments	{{num_format($form['auto_loan'])}}
Existing Personal loan payments	{{num_format($form['personal_loan'])}}
Limit of existing credit cards	{{num_format($form['credit_limit'])}}
Limit of existing overdraft (need confirmation)	0
Monthly payments-other loans	@if(array_key_exists('other_loan', $form)) {{num_format($form['other_loan'])}} @endif

Other Details and Eligibility
Chosen Mortgage Tenor	{{$otherDetails['choosen_tenor']}} Years
Maximum Tenor based on age	{{$otherDetails['max_tenor']}} Years
Maximum loan eligibility for chosen tenor	{{num_format($otherDetails['max_loan_eligibility'])}}/-

@if(!empty($all_banks)) @foreach ($all_banks as $key => $bank) @if($loop->first || $loop->odd) @endif @if($loop->even || $loop->last) @endif @endforeach @endif

Computed Eligibility Details (Top {{count($all_banks)}} Banks)

{{$key}}
Loan based on the selected tenor	{{num_format($bank['loan_based_on_sel_tenor'])}}
Loan based on age	{{num_format($bank['loan_based_on_age'])}}

@foreach ($data['feature_product_labels'] as $label_key => $labels) @if(!empty($data['feature_product'])) @foreach ($data['feature_product'] as $feature_pro) @endforeach @endif @endforeach

Featured products
Product Features	Best 3-year Salary Transfer Rate	Best 3-year Non-Salary Transfer Rate	Best 5-year fixed rate
{!! trim($labels) !!}	@if(array_key_exists($label_key, $feature_pro)){!! $feature_pro[$label_key] !!} @endif

@if(!empty($data['feature_product'])) @foreach ($data['feature_product'] as $feature_pro) @endforeach @endif

Key Highlights:
These are USPs and opinions based on our extensive experience dealing with these lenders.	{!! $feature_pro['key_feature'] !!}

Basic documentation required:

Copy of passport, visa, Emirates ID.
Personal account bank statement for last 6 months (online statement)

For Salaried personnel, documentation:

Salary certificate addressed to the bank
Pay slips for last 6 months (soft copies would suffice)
All existing credit cards statements for last calendar month (online statement)

For Self-Employed individuals' documentation:

Trade License, MOA, Share Certificates
Audited Financials for last 3 years
All existing company account bank statement for last 1 year
Office tenancy agreement and latest utility bill
List of employees
Sample Invoices for transactions evidenced in bank statement
VAT certificate and VAT return for last 4 quarters along with VAT payment receipts
Company profile and website

Property related documentation required:

Title deed & floor plan
Mortgage offer letter and mortgage statement of account showing current outstanding amount (of existing mortgage is any).
Ejari and rental cheque copy of existing property (if any).

Should you have any queries or clarifications regarding the above proposal, please feel free to contact us.
Yours Sincerely,

Team mortgagemarket.ae