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Lenders generally require your last 3 payslips , employment contract, and most recent tax returns.
Budget for extra expenses including stamp duty ( 5–7% in many regions), registration charges ( 1–2% ), legal fees, and advance maintenance deposits. 2. Property Due Diligence
Once you find a potential unit, conduct a thorough inspection beyond its aesthetic. Buying an Apartment Checklist - Your Complete Guide
Obtaining a pre-approval letter from a lender confirms your eligibility and interest rate, allowing you to move quickly when making an offer.
Before searching for properties, you must establish your buying power.
You will need current bank statements showing you have enough for a down payment (typically 10–20% of the property value) and closing costs.
Buying an apartment involves a multi-stage process that spans financial preparation, rigorous due diligence, and complex legal documentation.
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