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Dear buyer,

The same set of assessment will be used for bank loan and refinancing, therefore any changes to employment status and income will affect the loan eligibility. For the undeclared income, they will not be considered for your loan eligibility.

You should check with a banker proper to ease your concerns as we can only base on what we are aware to estimate but to give a proper advise financially, they should be coming from the professional.

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Hi,

When there is a fresh round of refinancing is done, the prevailing assessment policies and criterion will be utilized by the banks, usually your age, income and credit profile details then. Any undeclared income will not be factored in.

To be at an ease of mind, perhaps you might want to discuss with my banking partners so to value-add to your purchase further. Thanks and hope to discuss further on your housing plans.

Warm regards
Ivan ERA
 97432395 
Ivanng10@gmail.com
Website: http://www.ivanng10.com/#!reviews/c11r1
(Client's Testimonials) Read More

Hi there,

Thanks for your query!
The same prevailing policies will be used for the loan and refinancing, hence, any slight deviation and change would definitely affect the loan eligibility. Would you like to speak to my network of bankers to get a step by step and comprehensive explanation to aid your understanding.

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Do visit my website for my high levels of awards & testimonials to assess if I'm the right one to work with to purchase your priced asset.

D Kumar
 +65 96659926 
ERA Associate Division Director
www.kumarrai.com ( Recent Awards and Testimonials)

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Hi,
Bank will do assessment of your financial status when you re-finance. To assist and advise you more in details, kindly drop me an email for me to share.

I can be contactable at my mobile or email.

CK Ang
 9046 3808 
res.ckang@gmail.com Read More