The question lists several specific managerial roles responsible for approving loans in different contexts (Addis Ababa, outlying districts, UNECA, African Union). If all these roles have approval aut

Here are the answers to the questions:

21. Loan requests of employees of international organizations and NGOs are approved by
The question lists several specific managerial roles responsible for approving loans in different contexts (Addis Ababa, outlying districts, UNECA, African Union). If all these roles have approval authority for different segments of employees, then the most comprehensive answer is that all of them are involved.

• e) All of the above

22. The RESL loan contract should be reviewed every three years unless the latest original loan is modified or changed
Loan contracts often have periodic review clauses to ensure they remain current and compliant. The condition "unless the latest original loan is modified or changed" implies that a modification would trigger a review anyway, making the three-year cycle a default. This is a common practice.

• True

23. The following documents offered by the applicant in case of construction, rehabilitation, or expansion except
This question asks which document is not required.

• Work permit: Generally required for construction.
• Bill of quantity: Essential for project costing and planning.
• Lease certificate and approved plan: Necessary to prove legal right to build and details of the construction.
• Addis Ababa city administration approval: Required for legal construction within the city. All listed documents (Work permit, Bill of quantity, Lease certificate and approved plan, Addis Ababa city administration approval) are typically required for construction, rehabilitation, or expansion projects. Therefore, there is no exception among the listed options. The option "All" in this context means "All of the above (A, B, C, D) are required, so none of them is an exception."
• All

24. All of the following documents are relevant for private dwelling building construction except
This question asks which document or condition is not relevant or acceptable.

• a) Shall have land holding certificate: This is a fundamental requirement to prove ownership or right to use the land.
• b) Shall have approved plan and ownership certificate in the name of staff aunts/relatives: For a staff mortgage loan for a private dwelling, the ownership certificate is typically required to be in the name of the applicant or their spouse, not extended relatives like aunts. This condition is generally not relevant or acceptable for the applicant's direct loan.
• c) All due lease payment or land taxes shall be paid before approval of the loan: This is a standard financial requirement for property-related loans. Therefore, option b) is the exception.
• b) Shall have approved plan and ownership certificate in the name of staff aunts/relatives

25. If the building to be constructed is in the name of the spouse of the staff, He/She will not be eligible for staff mortgage loan.
In most staff loan policies, property owned by a spouse is considered a family asset, and the staff member would typically be eligible for a mortgage loan for such a property. Denying eligibility solely because the property is in the spouse's name would be an unusual restriction.

• False