Documents Required for Home Loan Repricing

Find out the process in obtaining the necessary documents and submit your Home Loan Repricing application.

Before you submit your repricing application, kindly ensure that you have consolidated all the documents per listed. For joint home loan accounts, only one submission is required from either borrower.

Download and Complete the Varying Terms of Mortgage Form (All borrowers to complete and sign, only required if you and/or the joint borrowers are unable to submit your repricing application online)
  • For Singaporeans / Permanent Residents:
    A copy of your NRIC (front and back) reflecting the subject property address.
  • For Foreigners:
    A copy of your passport AND your utility bill/telephone bill reflecting the subject property address as your mailing address. 
  • Log on to myTax Portal at IRAS Website using your Singpass or IRAS pin.
  • Under Property, click View Property Summary.
  • Click Save as PDF/ Print to save as a PDF copy.
  • Click Login to MyHDBPage at HDB Website using your Singpass.
  • Under My Flat, click Purchased Flat.
  • Select Flat Details and Minimum Occupation Period (MOP).
  • Select Save to PDF on bottom of the page.
  • Log on to my CPF Online Services at CPF Website using your Singpass.
  • Under my CPF, go to Home Ownership.
  • Select Principal amount and accrued interest.
  • Click on the PDF icon on the top right corner to save as a PDF copy.
    •  

If your property is an investment property or Owner-Occupied Property with Cash Out (Term Loan), there are 2 ways for us to assess your repricing application: Total Debt Servicing Ratio assessment or Loan Reduction Plan.

Before you submit your repricing application, kindly ensure that you have consolidated all the documents per listed for us to assess the total debt servicing ratio and process your request.

A copy of each document is required from all borrowers unless otherwise specified.

Download and Complete the Varying Terms of Mortgage and Declaration of Credit Facilities Form (Only required if you and/or the joint borrowers are unable to submit your repricing application online)

  • Varying Terms of Mortgage Form - Duly completed and signed by all borrowers, sureties and guarantors (if any)

  • Declaration of Credit Facilities for all borrowers, one form per borrower – Annex A
    • Each borrower must provide details of all your credit facilities, including those that are with us
    • We will be referencing bureau records to facilitate the assessment
      • If you have used your credit card in the current or previous month, you will need to submit your latest credit card statement.
      • If you have loan(s) with other financial institutions, we will require the latest loan statement(s) which show the monthly repayment amounts.
Note: Only required if you and/or the joint borrowers are unable to submit your repricing application online
  • For Singaporeans / Permanent Residents:
    A copy of your NRIC (front and back) reflecting the subject property address.
  • For Foreigners:
    A copy of your passport AND your utility bill/telephone bill reflecting the subject property address as your mailing address. 
IRAS Income Tax Notice of Assessment (NOA)
  • Log on to myTax Portal at IRAS Website using your Singpass or IRAS pin.
  • Under Notices/Letters, click on Individual.
  • Select the latest Notice of Assessment (Individual) and save as a PDF copy.
AND

Latest 12 months’ CPF Transaction History
  • Log on to my CPF Online Services at CPF Website using your Singpass.
  • Under my CPF, go to Transaction History and click on Filter and select Employment Contributions.
  • Click on the PDF icon on the top right corner to save as a PDF copy.
If your employment period at your current occupation is less than 3 months, your latest payslip and employment contract.

If your employment period at your current occupation is less than 1 month, obtain the full copy of the Employment Contract or Letter of Appointment.

The Employment Contract or Letter of Appointment should be signed by the employer’s representative, with name and designation stated and signed by the applicant.
If your income is not derived in Singapore, obtain the full copies of your bank statements reflecting the salary crediting amount in the latest 3 months. The bank statements should show that the salary is credited through GIRO with transaction reference codes ‘SAL’ or ‘PAY’, and the company name and salary amount should match the 3 months’ computerised payslips submitted to us.

Note:
Additional documents may be required.
  • Click Login to MyHDBPage at HDB Website using your Singpass.
  • Under My Flat, click Purchased Flat.
  • Select Flat Details and Minimum Occupation Period (MOP).
  • Select Save to PDF on bottom of the page.
  • Click Login to MyHDBPage at HDB Website using your Singpass.
  • Under My Flat, click Purchased Flat.
  • Select Financial Info.
  • Select Save to PDF on bottom of the page.
  • Log on to my CPF Online Services at CPF Website using your Singpass.
  • Under my CPF, go to Home Ownership.
  • Select Principal amount and accrued interest.
  • Click on the PDF icon on the top right corner to save as a PDF copy.
    •  

You may reprice your loan without going through Total Debt Servicing Ratio (TDSR) assessment if you repay at least 3% of your total outstanding loan amount upfront or over a period of not more than 3 years under the Debt Reduction Plan.

Document required:
  • Log on to my CPF Online Services at CPF Website using your Singpass.
  • Under my CPF, go to Home Ownership.
  • Select Principal amount and accrued interest.
  • Click on the PDF icon on the top right corner to save as a PDF copy.
    •  

To revise your loan period, a fee of $250 applies and will be deducted from your designated loan servicing account. We will require information on employment and income for all account holders to review your request.

The following documents will also be required:

Income Documents
If your employment period at your current occupation is less than 3 months, your latest payslip and employment contract.

If your employment period at your current occupation is less than 1 month, obtain the full copy of the Employment Contract or Letter of Appointment.

The Employment Contract or Letter of Appointment should be signed by the employer’s representative, with name and designation stated and signed by the applicant.

IRAS Income Tax Notice of Assessment (NOA)
  • Log on to myTax Portal at IRAS Website using your Singpass or IRAS pin.
  • Under Notices/Letters, click on Individual.
  • Select the latest Notice of Assessment (Individual) and save as a PDF copy.
AND
Latest 12 months’ CPF Transaction History
  • Log on to my CPF Online Services at CPF Website using your Singpass.
  • Under my CPF, go to Transaction History and click on Filter and select Employment Contributions.
  • Click on the PDF icon on the top right corner to save as a PDF copy.
If your income is not derived in Singapore, obtain the full copies of your bank statements reflecting the salary crediting amount in the latest 3 months. The bank statements should show that the salary is credited through GIRO with transaction reference codes ‘SAL’ or ‘PAY’, and the company name and salary amount should match the 3 months’ computerised payslips submitted to us.

Note:
Additional documents may be required

Please submit the above documents to [email protected].

Click to submit your application

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