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Product disclosure

Understand the full cost before you accept.

Review the applicable product disclosure and loan agreement for the exact amount, fees, repayment schedule and other conditions.

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Do not use this page as a substitute for the approved loan disclosure statement. All values, calculations and conditions must be verified against the actual product.

GOLDEN WIND LENDING INC. Personal Loan

Key information to review.

The table below is a checklist of the information that should be clear before a customer accepts an offer. Placeholder values are not loan terms.

Loan principal / amount[LOAN AMOUNT]
Loan term[LOAN TERM]
Nominal interest / financing charge[INTEREST OR FINANCING CHARGE]
Effective interest rate (if applicable)[EFFECTIVE INTEREST RATE]
Processing fee[PROCESSING FEE]
Other charges and taxes[OTHER CHARGES AND TAXES]
Net amount disbursed[NET AMOUNT RECEIVED]
Total amount to repay[TOTAL REPAYMENT]
Installment amounts and due dates[REPAYMENT SCHEDULE]
Early repayment[EARLY REPAYMENT RULES]
Late payment consequences[LATE PAYMENT FEES / CONSEQUENCES]
Payment channels[OFFICIAL PAYMENT CHANNELS]

Representative example

For a loan of [EXAMPLE AMOUNT] over [EXAMPLE TERM], the customer receives [NET DISBURSEMENT] and repays [TOTAL REPAYMENT] through [NUMBER AND AMOUNT OF PAYMENTS]. Total charges in this example are [TOTAL CHARGES].

Illustrative only. Replace with a verified calculation that includes every applicable charge and matches the official disclosure.

Questions to ask before signing

  • What is the total amount I will repay?
  • When is each payment due, and how can I pay?
  • What fees or consequences apply if a payment is late?
  • Can I repay early, and how is that calculated?
  • Where can I contact official support if something goes wrong?

Only proceed if the terms are clear and manageable. Approval, amount, charges and disbursement timing are subject to assessment and the signed loan agreement.