Mortgage Documents Required: Bank Rate Comparison Guide | Homejourney

Key mortgage documents required for Singapore home loan applications include NRIC/passport, latest 3 months' payslips, IRAS Notice of Assessment (NOA), 12 months' CPF statements, and property details like Option to Purchase.

At Homejourney, we prioritize your safety and trust by verifying every detail to help you secure the best rates from DBS, OCBC, UOB and more. This cluster guide connects to our comprehensive pillar on Singapore Mortgage Financing Complete Guide, focusing on actionable steps for document preparation and bank comparisons.

Why Documents Matter for Mortgage Approval in Singapore

Banks like DBS, UOB, and OCBC require precise mortgage documents required to assess your eligibility under TDSR and MSR rules from MAS. Missing items can delay approval by weeks, risking your Option to Purchase expiry. Homejourney simplifies this with Singpass integration for auto-filling forms, reducing errors and speeding up processes.[2][3][5]

Prepare digitally: Scan documents clearly and use Homejourney's checklist at https://www.homejourney.sg/bank-rates to compare rates while gathering papers. Our platform lets banks compete for your loan, ensuring transparency in a trusted environment.

Complete Loan Application Checklist: Income Documents Mortgage Essentials

Here's your loan application checklist tailored for Singapore buyers, drawn from DBS, UOB, and HDB guidelines:

Identification: NRIC (front/back) for Singaporeans/PRs; Passport + utility bill for foreigners.[1][2][3]
Income Documents Mortgage: Latest 3 months' computerised payslips + IR8A; Employment contract if <3 months employed.[2][3][6]
Tax & CPF: Latest IRAS NOA; 12 months' CPF contribution history (download via CPF portal with Singpass).[3][4][5]
Property Papers: Option to Purchase (OTP), HDB Flat Information (if applicable), Sale Option for existing property.[2][5]
Others: Bank statements (3 months salary crediting for overseas income), credit card/existing loan statements.[1][4]

For self-employed: Add 2 years' tax returns + commission statements. HDB buyers need HDB Financial Information from MyHDBPage.[2][5] Insider tip: Use IRAS myTax Portal for NOA PDF – it's faster than waiting for mail.

Home Loan Application Documents by Bank: Key Differences

Each bank's bank loan documents vary slightly. UOB requires signed application form + latest CPF withdrawal statement; DBS mandates HDB screenshots if no flat owned.[2][3][5] OCBC emphasizes eco-loans with eligibility checks.[8]

Actionable Step: Start on Homejourney at https://www.homejourney.sg/bank-rates#calculator – input basics via Singpass, get pre-filled document lists for DBS, OCBC, UOB, HSBC, Standard Chartered, Maybank, CIMB, RHB, Public Bank, Hong Leong, and Citibank.

Compare real-time: DBS 3M SORA + 0.7% (effective ~3.2%), OCBC fixed 2Y @ 2.8%, UOB board -1.5%. Rates as of Feb 2026; check Homejourney for updates.

Current Bank Rates Comparison Table (Feb 2026)

Use this table for quick Documents Required for Mortgage Application: Bank Rate Comparison Guide. Rates fluctuate with SORA (~2.8% 3M avg); always verify on Homejourney.

Bank	Key Product	Effective Rate	Lock-in	Best For
DBS	SORA PEAKER	3M SORA +0.7% (~3.5%)	2Y	First-time buyers
OCBC	Fixed Rate	2.88% (2Y)	2Y	Stability seekers
UOB	Private Home Loan	Board -1.5% (~3.2%)	3Y	Refinancers
HSBC	SORA Loan	3M SORA +0.65%	1Y	Short-term
Standard Chartered	Flexi Loan	2Y fixed 2.98%	2Y	Investors

Source: Bank sites + Homejourney real-time data. Submit one app on Homejourney to get offers from all – no separate forms needed.

SORA Trends & Rate Outlook

SORA is Singapore's key benchmark (MAS-regulated). Current 3M SORA ~2.8%, down from 2025 peaks. Fixed rates edge higher for security.

The chart below shows recent interest rate trends in Singapore:

As seen, SORA stabilized post-2025 hikes. Time refinancing now via Homejourney's tracker at https://www.homejourney.sg/bank-rates.

5 Actionable Steps to Submit Flawless Applications

Gather via Singpass: Auto-fetch CPF/IRAS docs – saves hours.[3][5]
Scan & Organize: Use Homejourney checklist; label files clearly.
Compare on Homejourney: See rates side-by-side, calculate eligibility.
Multi-Bank Apply: One form reaches DBS/OCBC/UOB etc.; banks bid best offers.
Track Progress: Homejourney dashboard shows statuses securely.

Pro Tip: For HDB upgrades, include existing flat's sale OTP early. Read more in Mortgage Documents Required Singapore: Homejourney Complete Guide ">Mortgage Documents Required Singapore: Homejourney Complete Guide.

Homejourney's Trusted Tools for Success

Why choose Homejourney? We verify docs, connect you to partners like DBS/HSBC, and prioritize your data security. Use our mortgage brokers for personalized advice – free via https://www.homejourney.sg/bank-rates. Pair with property search at https://www.homejourney.sg/search for budget-matched homes.

Disclaimer: Rates change; consult professionals. Homejourney provides info, not advice.

FAQ: Mortgage Documents & Rates

What are the main home loan application documents for Singapore banks?
NRIC/passport, 3 months' payslips, IRAS NOA, 12 months' CPF, OTP.[1][2][4]

How do DBS vs OCBC rates compare today?
DBS SORA-focused (~3.5%), OCBC fixed (~2.88%). Compare live on Homejourney.[3]

Can I apply to multiple banks at once?
Yes, via Homejourney's multi-bank system with Singpass – one set of docs.

What if I'm self-employed?
Submit 2 years' tax returns + business docs. Use our calculator first.

How long for approval?
3-7 days if docs complete; Homejourney speeds it up.

Ready for your Documents Required for Mortgage Application: Bank Rate Comparison Guide? Start securely on Homejourney today – compare, calculate, apply. Link back to our pillar for full financing insights.