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1. Letter Header: Current date, bank's complete address, and proper salutation
2. Subject Line: Clear indication that this is a Home Loan Transfer Application with existing loan reference number
3. Introduction: Brief statement identifying the writer as the current loan holder and expressing intent to transfer the loan
4. Current Loan Details: Information about the existing loan including account number, property details, original loan amount, and current outstanding balance
5. Transfer Request Details: Specific request for the transfer, including proposed transferee's name and relationship to current borrower
6. Reason for Transfer: Clear explanation of why the loan transfer is being requested
7. Contact Information: Complete contact details for both current borrower and proposed transferee
8. Closing: Formal closing statement, signature block with complete name and current loan account number
1. Property Improvements Declaration: Section detailing any significant improvements made to the property since the loan was taken, relevant when property value has increased
2. Co-borrower Statement: Required when there are co-borrowers in the existing loan, stating their consent to the transfer
3. Payment History Statement: Optional section highlighting good payment history, useful when requesting favorable transfer terms
4. Urgency Statement: When the transfer request is time-sensitive, including explanation of urgency
1. Appendix A - Personal Information Sheet: Completed personal and financial information forms for the proposed transferee
2. Appendix B - Supporting Documents Checklist: List of all required documents being submitted with the application
3. Appendix C - Property Documents: Copies of property title, tax declarations, and recent tax receipts
4. Appendix D - Income Documents: Proof of income, bank statements, and financial capacity documents for the proposed transferee
5. Appendix E - Identification Documents: Valid government IDs and proof of residence for all parties involved
6. Appendix F - Marriage Contract/Certificate: If transfer is due to marriage or if relevant to establishing relationship between parties
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