A mortgage loan is a secured loan in which a borrower pledges real estate property as collateral to obtain financing from a lender. This type of loan is most commonly used to purchase residential or commercial property. The lender retains a legal claim to the property until the loan is fully repaid, including principal and interest. Mortgage loans typically involve long-term repayment schedules, fixed or variable interest rates, and are subject to regulatory oversight. The borrower's creditworthiness, property value, and income are key factors in the loan approval process.

抵押贷款是一种有担保贷款形式，借款人以不动产作为抵押向贷款机构申请融资。此类贷款主要用于购买住宅或商业地产。贷款机构在贷款未全部偿还（包括本金和利息）前，依法对该抵押物业保有担保权益。抵押贷款通常具有长期还款期限，可采用固定或浮动利率，并受相关金融监管规定的约束。借款人的信用状况、房产评估价值及收入水平是贷款审批过程中的关键考量因素。

文件需求：

雇主：

• 公司注册文件表 

• 最近3个月银行账单（公司户口）

• 身份证复印件

雇员：

• 最近3个月工资单

• 最近3个月银行账单（储蓄或往来户口）

• 身份证复印件

欲知更多详情请致电询问。

 

Documents Required:

Employer:​

• Business Registration Form

• 3 Months Company Bank Statement (Latest)

• Copy of NRIC

Employee:​

• 3 Months Payslip (Latest)

• 3 Months Personal Bank Statement (Latest)

• Copy of NRIC

Please call us for more information.