1. Personal Documents

These are documents that verify your identity and personal status that the bank requires, including:

• Copy of National ID Card
• Copy of House Registration
• Copy of Marriage Certificate/Divorce Certificate (if applicable)
• Name/Surname Change Certificate (if applicable)

And make sure all documents are accurate and all copies are signed as certified true copies.

2. Income Documents

Income documents allow the bank to assess your ability to repay the loan and affect the loan amount:

• Salary slips for the past 3-6 months
• Salary certificate from the company, which must be issued by the company and state your position, length of employment, and income.
• Bank statements of salary account for the past 6 months (some banks may request bank statements for savings accounts where salary is deposited).

Verify that the income on your salary slips and bank statements match to prevent delays in approval.

3. Asset Documents

Such as a copy of the land title deed/condominium unit title (if buying a house/condo), a sales and purchase agreement (if buying a house/condo), and blueprints (if building a house). These asset documents will help the bank feel more confident!

4. If You Have Supplementary Income, Don't Forget the Documents

If you have income from other sources, such as commissions or rental income, prepare supporting documents such as statements of rental income, investment documents, or income from a supplementary business. Including supplementary income in your documents can increase your credibility and potentially lead to a higher approved loan amount.

5. Debt Documents

Debt documents are also necessary because the bank will check your current debt obligations, such as credit card statements, and other loan agreements like car loans or personal loans. Proview Living recommends reducing your debt burden before applying for a loan to increase your chances of a higher approved loan amount.

6. If You Have a Co-borrower, Documents Are Also Needed

If you are applying for a joint loan, such as with your spouse or family member, remember to prepare the co-borrower's documents as well, such as a copy of their National ID card, house registration, income documents, etc. Especially if your co-borrower has a good financial history and no bad debts, it will be a piece of cake!

Proview Tip: How to Prepare Your Documents Perfectly?

1. Organize documents into categories: Separate personal documents, income documents, and asset-related documents for easy submission.

2. Check for completeness: Use a checklist to ensure you have all the documents required by the bank to avoid delays in your loan application.

3. Consult the bank in advance: Ask the officers about any additional documents that may be necessary to ensure nothing is missed.

4. Study the conditions of each bank: Each bank may have different conditions. It is advisable to study the conditions of each bank before applying for a loan.