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投资理财

想去找banker问贷款额度,需带什么文件?

请教各位达人。问题如上。

过去三个月工资单
所有的信用卡帐单
房贷车贷
去年的税单

现在可多了。
呵呵
1.       Endorsed Application Form (please complete pg 1 personal data and employment data for all borrowers and owners and sign on pg 3) and Declaration Form;
2.       Clear copy of NRIC (front and back) for all borrowers and owners and passport with address page (foreigners);
3.       Latest Notice of Assessment and 3 months computerized payslips (if there is variable or bonus component, latest 12 months payslips) accompanied with corresponding bank statement reflecting salary crediting;
4.       Latest 12 months CPF Contribution Statement obtainable online from cpf.gov.sg;
5.       HDB Statement reflecting no HDB flat or no HDB loan under all borrowers and owners name if you are taking more than 40% loan or exercised Option to Purchase for sold HDB;
6.       Option to Purchase;
7.       All credit card statements;
8.       All other outstanding loan statements reflecting outstanding loan amounts and monthly installments (e.g. car loan or personal loan etc)

信用卡账单有多有少,带哪个月?最近一个月的?

另外,还没有想好要不要买,买哪里更是无从谈起,哪里有option to purchase一说?我只是想去问问banker 会理睬我吗?

没有OTP,也可以,就说你要做个AIP。
不过这些资料都要给银行的。

最新的账单

Banker会当场告诉我们吗?还是需要过后再去或收到信件之类?这方面我真的是小白。

不会,叫你回家等消息