A Solid Loan Application Is Half the Battle

Falling in love with a property is easy. Securing the loan to pay for it? That takes strategy. At Matchhome, we don't just help you browse beautiful homes—we help you become bank-ready so you can actually move in.

If you're planning to apply for a home loan soon, follow this simple but complete guide to submit an application that banks want to say “yes” to:

1. Know What the Banks Will Ask From You

Before you apply, make sure you're ready with the essentials. While requirements vary slightly across lenders, most will ask for:

• Government-issued ID
• Proof of income (3 months' payslips, ITR, etc.)
• Certificate of Employment (for employed borrowers)
• Property documents (if you've already chosen a unit)
• Marriage certificate (if applicable)

Matchhome Tip: Our property listings are marked “Financing Ready,” which means they already meet standard bank criteria—making this step easier.

2. Organize Your Financial Documents

Sloppy paperwork = slower processing or, worse, rejection. Make sure your documents are complete, updated, and easy to understand.

Pro Tip: Save your files digitally in one folder—banks and brokers will ask for soft copies anyway.

3. Be Honest About Your Income

Don't inflate your salary or leave out other income sources. Banks cross-check documents, and inconsistencies can hurt your chances.

Side hustle? Great—just be ready to show proof (receipts, bank statements, or contracts). Honesty builds your credibility.

4. Add a Letter of Intent

While optional, a Letter of Intent gives banks a clear view of your purpose. It's a short letter explaining:

• The property you're buying
• Why you're applying for a loan
• Your current job and income status
• How you plan to repay

Think of it as your cover letter for the bank. It's your chance to present yourself clearly and confidently.

5. Avoid These Common Mistakes

Many applicants get rejected not because of financial issues—but due to technical errors. Watch out for:

• Missing or expired IDs
• Typos in names or address mismatches
• Submitting multiple applications without a strategy
• Not disclosing existing loans or debts

Want an Easier Way to Apply?

With Matchhome, you can:

🏠 Browse only financing-ready properties

✅ Try our free pre-qualification tool

📲 Get connected to a verified Matchmo loan expert

📁 Access a document checklist tailored to your chosen home

Let us help you build a complete and confident home loan application—so your “dream home” becomes your “move-in day.”