A home loan is a long-term commitment. Therefore, it is important to prepare for the days of ‘interest’ and ‘state measures’ in 2026. Let’s see where to start and what to use.

5 Steps to Own a Home

·        prepare  Check the credit bureau and maintain DTI or debt burden should not exceed. 40% of income, including a consistent account for at least 6 months

·        Submitted Choose a bank that offers an attractive interest rate. (Don’t forget to compare the average for the first 3 years)

·        property appraisal The bank will send people to see the real house to determine the appropriate loan limit.

·        Notification of approval results: when passing the criteria The bank will inform the limit Interest rate and monthly installments to know

·        contract and mortgage  The last step is to sign a loan agreement and go to the land office transfer.

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2. Checklist documents that must be (not missing!)

for quick consideration You should prepare the documents into 3 main files as follows:

Document category	Full time worker	Freelance/Business Owner
1. Personal	ID card, house registration	ID card, house registration
2. Income	Salary slip (3-6 months), salary certificate, statement 6 months	Statement 6-12 months, proof of tax payment (PhNg.D.D.), professional license/employment contract
3. Guarantee	Copy of the title deed, contract to buy and sell.	Copy of the title deed, contract to buy and sell.