Documents a Bank Asks For When You Apply for a Home Loan
Banks differ in the details, but most ask for the same core papers. Preparing them early shortens the wait.
About you
- National ID, passport-size photographs and proof of address
- Tax identification number and recent tax return, where applicable
- Employer letter and recent salary slips, or business papers if self-employed
About your money
- Bank statements for the last several months
- A list of existing loans and credit cards
About the property
- Sale or booking agreement and the developer's papers
- Land ownership documents and the approved building plan
- A valuation done by the bank's approved valuer
Ask the bank for its current checklist in writing, and keep photocopies of everything you submit.
Rules, fees and processes change. Confirm current requirements with the relevant office or a lawyer before you act.
