Getting started with a new home purchase can feel like a lot, especially when documents, timelines, and approvals all come into play. A clear application process helps you prepare the right paperwork, understand what happens next, and move forward with greater confidence when you are ready to apply for home loan financing. 

Step 1: Check your eligibility and financing needs
Start by reviewing your intended property purchase, estimated loan amount, and preferred repayment period. RHB’s financing can go up to 75% of the purchase price or valuation, with tenure limits differing for HDB and private residential properties, so this is the right stage to assess what suits your budget and plans.

Step 2: Prepare your supporting documents
Before submitting your application, gather the documents needed for identity, income, and property purchase verification. This includes NRIC, payslips or tax assessments, CPF statements where relevant, and sale or booking documents for the property.
 

Step 3: Choose a suitable loan package
Once your financing needs are clearer, compare package types based on repayment preferences and rate movements. RHB offers both variable packages and fixed rate home loans in Singapore, giving you a choice between payment stability and rates that may move with market conditions.

Step 4: Submit your application for assessment
After selecting your preferred package, submit your completed application together with the required supporting documents. The bank will review factors such as income, existing commitments, property details, and regulatory thresholds before issuing an approval decision.

Step 5: Review the offer and complete legal documentation
If your application is approved, you will receive a Letter of Offer setting out the key terms of your housing loan. After acceptance, the legal mortgage documentation is prepared and signed, allowing the loan to move towards disbursement once all required conditions are met.

Step 6: Loan disbursement and completion
When documentation is in order and all conditions have been satisfied, the loan can be disbursed for the property purchase. At this point, your repayment schedule begins based on the package selected and the final disbursement amount.