在金融機構處理您的貸款申請之前，您必須提供以下的基本文件：
•身份證或護照影印本
•最近3個月的薪金單
•最新的所得稅報稅表（J表格）或EA表格
•買賣合約／抵押金收據或訂屋收據／發展商發出的購屋獻議信
•地契影印本（若有）
•最近6個月的儲蓄存折／定期存款的銀行結單（若無薪金單以及／或J／EA表格，銀行結單必須提供）
•已建竣房屋的估價報告
•如果您為自僱人士，您必須提供您的商業注冊文件，最近3個月的銀行結單，最近的財務報表以及其他的支持文件，以作為您的收入支持證明
不過，一些金融機構可能要求附加的支持文件。一旦接受了獻議信之後，您必須委任一位律師為您擬定貸款文件。一般上，您將在您的金融機構提供的顧問律師名單中作出選擇。這類文件的一部份必須呈至相關的政府部門登記，以及交至印花稅務局蓋印花稅。
在完成了上述事項之後，這類注冊文件將交返金融機構，而您也將獲得一份貸款合約。一般上，完成這些法律程序所費的時間不應超過6個月。
Loan Applications : Documents Required
You need to provide the following basic documents before the financial institution can process your loan application:
•A photocopy of identity card or passport
•Your latest 3 months' salary slip
•Your latest income tax return form (Form J) or EA form
•Sale and Purchase Agreement/deposit or booking receipt/letter of offer from the housing developer
•A photocopy of the land title (if any)
•The latest bank statements (compulsory in the absence of salary slips and/or Form J/EA Form) dating back six months/savings passbook/fixed deposits
•Valuation report for completed houses and/or
•If you are self-employed, you need to provide your business registration documents, latest 3 months bank statements, latest financial statements and other supporting documents to support your income.
However, some financial institutions may require additional supporting documents.
Upon acceptance of the letter of offer, you will need to appoint a lawyer to draw up the loan documentation for you. Normally, you would select your lawyer from a list of panel lawyers provided by your financial institution. Some of these documents need to be submitted to the relevant government authorities for registration and to the Stamp Office for stamping.
Upon completion of the above, these registered documents are then submitted to the financial institution and you will be given a copy of the Loan Agreement. In general, the timeframe for the completion of this legal process should not exceed 6 months.
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