SINGAPORE - Taking a loan to buy your dream home? The mortgage application process has become more complicated since tighter loan rules were introduced last year, but we're here to help.

Here's a cheat sheet of the documents you'll need to bring to the bank:

1. Income documents

- Latest income tax notice of assessment and/or statement of CPF contributions for the last 12 months

- Supporting documents including latest payslips or bank statements showing your salary being regularly credited

- If there is more than one borrower for the loan, both must bring their income documents so that the debt can be apportioned according to each borrower's income

2. Financial assets

- Evidence of any financial assets, such as fixed deposit slips or bank statements, and confirmation that the asset is not claimed by any other party

3. Rental income

- Stamped tenancy agreement with at least six months to expiry, signed by the tenant and the home loan borrower as the landlord

4. Other debts

- All credit card statements to show outstanding debt

- Documents showing the monthly repayment amount of any recurring payments, such as credit lines, car loans, other property loans, personal loans (including from non-bank institutions) and overdrafts

- Any documents showing the home loan borrower's obligation as a guarantor for another loan or contract

Source: UOB