I'm based in south africa and was offered a loan of R50000 from an american in america. The only details he required from me is name~adress~contact info and later on possibly banking details. He also requires a refundable certification thing costing R1700. Loan duration is 1 year at 4 percent interest. Is cross border loaning allowed? Is it possible to conclude a loan with so little info? Is this an outright scam? He does sound legitimate though i.e. not your usual email scam promisers