Applicant Factors
- Stable, verifiable salary or business income
- Existing obligations
- Credit history
- Age and proposed tenure
- Correct ownership and applicant relationship
Property Factors
- Clear and marketable title
- Acceptable use and property type
- Location and serviceability
- Condition and remaining useful life
- Lender legal and technical assessment
Valuation and Eligible Amount
The lender decides the value used for assessment through its process. The eligible loan is not simply the borrower’s estimated property value and no fixed LTV applies universally.
Income Assessment
The property is security, but the lender still expects demonstrated capacity to repay through salary, business or other acceptable income.
Prepare for Assessment
- Organise the title chain
- Resolve obvious document inconsistencies
- Prepare income and bank records
- List existing loans
- Allow time for legal and technical checks
Frequently Asked Questions
No. Repayment capacity, credit and lender policy are also assessed.
No. It varies by lender, property and applicant profile.
It may be, subject to owners joining as required and lender policy.
No. It is one part of the full assessment.
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Continue to ApplicationImportant: Final eligibility, approval, interest rate, loan amount, fees, tenure and other terms are determined by the selected bank or NBFC based on the applicant profile and applicable lender policy.