One-stop guide to retrieve documents from IRAS, HDB and CPF for Your Mortgage and Refinancing Loan Application

Applying for a mortgage loan or refinancing loan in Singapore requires some key official documents to verify your income and property details. These documents come from agencies like the Inland Revenue Authority of Singapore (IRAS), Housing and Development Board (HDB) and the Central Provident Fund (CPF).

In this guide, we’ll walk you through how to download the required documents step-by-step to ensure a smooth application process.

1. Downloading Your Income Tax Notice of Assessment (NOA) from IRAS

Whether applying for a new mortgage or refinancing an existing loan, lenders will require your Notice of Assessment (NOA) from IRAS to verify your income.

Step-by-Step Guide:

1. Visit the IRAS website: https://www.iras.gov.sg
2. Click on Login at the top-right corner, select Personal Tax
3. Log in using your Singpass.
4. Once logged in, select Inbox from the top right menu.
5. Click on View Notices > Individual.
6. Select your latest Notice of Assessment (NOA) for the past two years.
7. Click Download Selected to save the documents as a PDF.

Ensure that you download the latest NOAs for submission to the lender, as they typically require NOAs for the most recent two years.

2. Downloading your Property Summary and Property Details from IRAS

Step-by-Step Guide:

1. Visit the IRAS website: https://www.iras.gov.sg
2. Click on Login at the top-right corner, select Personal Tax
3. Log in using your Singpass.
4. Once logged in, select Property > View Property Summary from the top centre menu
5. Click Save as PDF/print to save the document as PDF
6. Click View Details of subject property
7. Click Save as PDF/print to save the document as PDF

3. Downloading Your HDB Flat Financial Info and HDB Loan statement from My HDBPage

For HDB homeowners applying for a mortgage or refinancing loan, you will need your HDB Flat Financial Info and HDB Loan Statement

Step-by-Step Guide:

1. Go to the HDB website: https://www.hdb.gov.sg
2. Log in to My HDBPage using your Singpass.
3. Under My Flat, click on Purchased Flat
4. Click into Financial info
5. Click on Save as PDF to download this page (even if you do not own an existing HDB flat)
6. If you are still servicing a HDB Loan, under My Account Balance(s) click on View Statement of Account
7. Select Period to earliest month and click on Continue
8. Click on Save as PDF to download your HDB Loan statement

These documents are critical for both mortgage loan applications and refinancing purposes.

4. Downloading Your CPF account balance, CPF Contribution History and CPF Property Withdrawal from CPF

Banks will require your CPF Contribution History to evaluate your employment status as well as CPF Account balance and CPF Property Withdrawal statement to work out amount of CPF OA used for property purchase.

Step-by-Step Guide:

1. Go to the CPF website: https://www.cpf.gov.sg
2. Log in using your Singpass.
3. Click on PDF button to save the CPF Account balance PDF
4. From the homepage, select my CPF at top left
5. Under My statements, select transaction history
6. Click on Filter, under transaction types select Employment contributions followed by Apply
7. Scroll up and click on PDF button to save the Employment contributions PDF
8. From the homepage, select my CPF at top left
9. Under My dashboard, select Home ownership
10. Scroll down to Principal Amount and accrued interest
11. Click on PDF button to save the CPF Property Withdrawal PDF

These CPF screenshots are vital for both new mortgage applications and refinancing loans, as they provide insight into your ability to service the loan using CPF funds.

Key Documents Required for Mortgage and Refinancing Loans

For a smooth mortgage or refinancing loan process, ensure you have the following key documents ready for submission:

• IRAS Notice of Assessment (NOA) for the past 2 years
• IRAS View property summary
• IRAS View property details
• CPF Account balance, CPF Contribution History and CPF Property Withdrawal Statements.
• HDB Flat Financial Info and HDB Loan Statements (for HDB flat owners).
• Latest 3 months computerized pay slips
• Other personal identification and property-related documents as specified by your lender.

Conclusion

Ensuring that you have all the required documents ready and up-to-date is crucial for a fast and smooth mortgage loan or refinancing application as documents are valid for 1 month from the date of retrieval.

Whether you’re a first-time homebuyer or refinancing your current property, these documents from IRAS, HDB, and CPF are essential for the approval process.

At SG Loan Mart, we are here to guide you through every step of your mortgage or refinancing journey. Feel free to contact us if you need further assistance in gathering these documents or navigating the loan application process.

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