Email Template (Refinancing)

Hi Xxx!

Congrats in engaging us to help you in your refinancing request!

Here are some of the documents required for us to help you do a comparison and check your eligibility to do refinancing:

( x ) Existing Loan Documents

( x ) Latest repayment statement with outstanding loan amount and tenure

( x ) Photocopy of I/C of all borrowers (Front & Back)

( x ) HDB Statement - Flat Details

( x ) CPF Statement showing OA balance if CPF had been used

Financial Commitments Proof (If Any)

( x ) Credit Card facilities : Latest credit card statements

( x ) Car Loans: Hire Purchase agreement / Loan Statement / GIRO deduction

( x ) Personal line of credit: Latest statement

( x ) Other financial commitment: Letter of Offer / Latest Statement

Fixed Income Earner

( x ) Latest Notice of Tax Assessment

( x ) 12 months CPF Contribution History

( x ) Latest 3 month payslip / consistent salary crediting

Variable Income Earner (haircut of 30% to apply)

( x ) Latest 2 years Notice of Tax Assessment

( x ) 12 months CPF Contribution History

( x ) Latest 12 month payslip / consistent salary crediting

Fixed and Variable Income Earner

( x ) Latest year Notice of Tax Assessment

( x ) 12 months CPF Contribution History

( x ) Latest 12 month payslip / consistent salary crediting

Credit Bureau Report (Optional)

( x ) Credit bureau report of all applicants (http://www.creditbureau.com.sg/)

INSTRUCTIONS (Step by step guide)

Steps to retrieve CPF Balance Statement

Go to www.cpf.gov.sg
Log in via SingPass
Click on my statements
It should show your balance in OA, SA and MA
Print or save to PDF

Steps to retrieve IRAS Income Tax Notice Of Assessment (NOA)

Go to www.iras.gov.sg
Log in to my tax portal via Singpass
Click on Correspondence & Notices
Click on Letters/Notices under Individual Income Tax

Steps to Retrieve IRAS Property Tax Information

Go to http://www.iras.gov.sg
Log in to my tax portal via Singpass
Click on Other PT-eServices
Click on View Account Summary

Steps to retrieve HDB Statement

Go to www.hdb.gov.sg
Log in via SingPass
Click on my flat
Click on flat details/financial info
Print out the relevant statement / Save to PDF

Steps to retrieve Latest 12 months CPF Contribution Statement

Go to www.cpf.gov.sg
Log in via SingPass
Click on my statements
For Contribution Statement, under Section B, select Contribution History
Statement should show Employer Name
Select the latest 12 months period and click proceed
Print out the relevant statement or save to PDF

Steps to retrieve CPF Property Withdrawal Statement

Go to www.cpf.gov.sg
Log in via SingPass
Click on My Statements
Click on Property

Please email me all the required documents when you have compiled them.