Important Information
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Loan Tenure and Age Requirements
Mortgage facilities are generally structured to be fully repaid by age 70, in accordance with the Bank’s lending criteria and applicable credit policies. The maximum standard loan term is 40 years; however, the approved tenure may be shorter based on the applicant’s age, income profile, and overall credit assessment. -
National Housing Trust (NHT) Benefits
Where applicable, NHT benefits and contributions will be applied in accordance with National Housing Trust regulations and will be factored into the final pre‑approval assessment and calculations, subject to verification and eligibility. -
Validity of Supporting Documentation
Supporting documents submitted as part of this application are subject to validity periods. Should any document expire prior to the completion of the pre‑approval review or processing, applicants may be required to submit updated documents before further consideration.
What documents will I need?
- Copy of driver’s licence
- Birth certificate or passport
- Tax registration number
- Proof of address
- Income verification letter
- Last two payslips
- Completion of the credit report forms
- Statement of affairs
Requirements Checklist
Get Pre-Approved
Why Get Pre-Approved with JN Bank?
Get pre-approved to determine how much you can borrow. If you’re using a realtor to assist you with identifying the right home for you, they will ask to see a pre-approval letter.
Pre-approval is a great service that we offer Free of Cost at JN Bank. Simply:
- Provide us with your documents to verify your income and monthly commitments
- We will then determine how much you can borrow
- And will present you with a pre-approval letter
- Along with a checklist of documents that will be required for the loan application
With the pre-approval letter, you are ready to Shop for Property and are in a better position to negotiate with your realtor or vendor.
If you’re using a realtor to assist you with identifying the right home for you, they will ask to see a pre-approval letter.
Get Started
