• Borrowers must be between the age of 21 – 65yrs
• Singapore Citizens, Permanent Residents and Foreigners may apply
• Minimum income (single/joint) per application is $30,000 per annum for Singaporeans/ Permanent Residents; $50,000 per annum for foreigners
• Minimum loan amount of S$250,000
• Minimum property value of S$500,000 for foreigners

• No processing fee
• Pre-payment/redemption/cancellation fees as applicable (depending on package)

Documents to be submitted along with the application form (originals to be produced for face to face verification)

• Singaporeans / Permanent Residents:
  • Photocopy of NRIC, both sides (The NRIC should have latest address of the applicant)
• Non – Singaporeans
  • Photocopy of Passport and
  • Photocopy of Employment Pass / Work Permit / Dependant Pass and
  • Document proof of address (i.e. utility bill, driving license etc.), if not same as in Employment Pass / Work Permit / Dependant Pass
• Self-Employed
  • ACRA Search +Business Profile /License of business and
  • Latest two years Notice of Assessment from IRAS
• Employed
  • Last 3 Months pay slips or Latest letter from the employer certifying the last three months income, designation and commencement of job and
  • Latest Notice of Assessment from IRAS and
  • Past 12 months CPF contribution history
• Commission earners
  • Latest 12 months commission statement and
  • Latest two years Notice of Assessment from IRAS and
  • Past 12 months CPF contribution history
• Copy of tenancy agreements (If applicable)
• Option to purchase (For new purchase)
• Last 6 months loan statement from existing financier (For Refinance)
• CPF Withdrawal Statement for Existing Property (If applicable)
• CPF Statement of Account (If CPF usage is involved)

Approval of this application is at the bank’s discretion.