Hi,
(1) To get a loan from HDB or Bank, they will need income proof. Please see below for document needed to understand how to go about it.
(2)
HDB loan document requirement for employed person without CPF contribution:
As an applicant:
Latest 12 months’ payslips or a recent letter from the employer certifying job designation, commencement date, and salaries for the last 12 months; and
Credit Bureau report; and
Latest 12 months’ bank statements/ passbook
As an occupier:
Latest 3 months’ payslips or a recent letter from the employer certifying job designation, commencement date, and salaries for the last 3 months
Notes:
* Income tax returns are not acceptable for employed persons.
^ For proof of income, all letters from an employer must have the company letterhead/ stamp, and the name, signature, and designation of the certifying officer.
# A copy of the Credit Bureau report can be requested online, or at any SingPost Branch. Alternatively, you can visit the Credit Bureau Office to obtain a report directly. The Credit Bureau will charge a fee for the report. If you have requested to have your report sent directly to HDB, please submit a copy of the payment receipt for our verification.
HDB loan document requirement for Self-employed persons:
As an applicant:
Latest Notice of Assessment from IRAS or Certified Annual Statement of Accounts from an audit firm; and
Credit Bureau report; and
Latest 12 months’ bank statements/ passbook
As an occupier:
Latest Notice of Assessment from IRAS or Certified Annual Statement of Accounts from an audit firm
Notes:
# A copy of the Credit Bureau report can be requested online, or at any SingPost Branch. Alternatively, you can visit the Credit Bureau Office to obtain a report directly. The Credit Bureau will charge a fee for the report. If you have requested to have your report sent directly to HDB, please submit a copy of the payment receipt for our verification.
Hope the above answer to your main concerns, but if there are more queries, please feel free to contact me at
90110636
, or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.
Best regards
Ling CK
90110636
ling.ck7@gmail.com
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