Mortgage Documents Required Singapore: Homejourney FAQ Guide

Securing a home loan in Singapore requires specific documents required for mortgage application, including NRIC, payslips, CPF statements, and tax assessments. This Homejourney FAQ guide answers common questions on mortgage documents required, helping first-time buyers and refinancers prepare confidently for banks like DBS, OCBC, and UOB.[1][2][3]

Understanding these home loan application documents ensures smoother approvals under MAS TDSR rules. Homejourney prioritizes your safety by verifying data through Singpass integration, making applications secure and efficient. Start by checking rates on our bank rates page.

Why Mortgage Documents Matter in Singapore

Banks assess your eligibility using TDSR (Total Debt Servicing Ratio) at 55% and MSR (Mortgage Servicing Ratio) for HDB at 30% of income. Incomplete loan application checklist delays approvals by weeks, risking your Option to Purchase (OTP). For HDB flats, add HDB financial info; private properties need valuation reports.[3][4]

Homejourney simplifies this with our eligibility calculator at https://www.homejourney.sg/bank-rates#calculator. Upload via Singpass for instant pre-approval from multiple banks like HSBC and Standard Chartered.

Core Documents Required for Mortgage Application

Here's the standard loan application checklist for Singapore banks in 2026:

Identification: NRIC (front/back) for Singaporeans/PRs; Passport + utility bill for foreigners.[2][3]
Income Documents (Mortgage): Latest 3 months' computerized payslips + IR8A; 12 months' CPF contribution history.[1][2][6]
Tax & CPF: Latest IRAS Notice of Assessment (NOA); Latest CPF statement (if using CPF).[3][4]
Property Docs: Option to Purchase (OTP), HDB Flat Info (if applicable), Sale Option for existing property.[2][4]
Others: Employment contract (if <3 months employed), bank statements for overseas salary.[3][6]

Self-employed need 2 years' tax returns + commission statements. Use Homejourney's multi-bank application to submit once and get offers from DBS, OCBC, UOB, Maybank, and more. See our full guide: Mortgage Documents Required Singapore: Homejourney Complete Guide .

HDB vs Private Property: Key Document Differences

For HDB loans or flats:

HDB Flat & Financial Information from MyHDBPage via Singpass.
Proof of no existing HDB ownership (screenshot if none).[4]

Private properties (condos): Add property valuation and insurance papers. Foreigners face stricter checks under MAS rules.[1][5]

Pro Tip: Download CPF history from CPF portal under 'Contribution History'. Homejourney's Singpass auto-fill verifies income documents mortgage instantly, reducing errors.

Step-by-Step: Preparing Your Mortgage Application Checklist

Gather ID & Income: Scan NRIC/payslips (3 months). Get NOA from myTax Portal.[3]
CPF & HDB Docs: 12-month CPF transaction PDF; HDB info if applicable.[4][6]
Property Papers: OTP + valuation. For resale, add CPF withdrawal statement.[2]
Submit via Homejourney: Use our bank-rates page for one-click multi-bank apps. Track SORA rates live.
Follow Up: Expect Letter of Offer (LO) in 3-7 days if complete.[5]

Insider Tip: For Toa Payoh HDB upgraders, banks scrutinize MSR closely—use Homejourney calculator first. Refinancing? Include existing loan statements.[3]

Common Pitfalls and How Homejourney Helps

Missing payslips cause 40% rejections. Overseas workers: Ensure GIRO 'SAL/PAY' codes on statements.[3][6] Homejourney connects you to mortgage brokers for personalized checks, ensuring trust and transparency.

Compare rates from all partners: DBS (SORA+1.2%), OCBC, UOB at https://www.homejourney.sg/bank-rates. Find properties in budget via property search.

Frequently Asked Questions: Documents Required for Mortgage Application

1. What are the main income documents mortgage applicants need?

Latest 3 months' payslips, IR8A, NOA, and 12 months' CPF history. Self-employed: 2 years' tax returns.[1][2][7]

2. Do foreigners need extra bank loan documents?

Yes, passport, visa, work pass, and utility bill proving address. Salary must match payslips.[1][3]

3. How to get HDB documents for home loan application?

Log into MyHDBPage with Singpass for Flat & Financial Info. No flat? Screenshot confirmation.[4]

4. What's the loan application checklist for refinancing?

Same as new loans + existing LO, repayment statements, IRAS My Property Summary.[3]

5. Can Homejourney speed up document submission?

Yes, Singpass/MyInfo auto-fills NRIC, income, CPF. Apply to multiple banks instantly for best offers.

Next Steps with Homejourney

Prepare your documents required for mortgage application: frequently asked questions answered? Get pre-approved safely via Homejourney. Visit bank-rates for rates, calculator, and applications. For full pillar guide, see Mortgage Documents Required Singapore: Homejourney Complete Guide . Your trusted partner for secure property journeys.

Disclaimer: This is general info; consult professionals for advice. Rates as of 2026; verify with banks.[2][3]