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Loan Application Process

Step 1
Pre-Approval
Get a lender's assessment of your borrowing capacity before starting your house hunt.
Step 2
Application Submission
Gather and submit necessary documents like income proof, bank statements, and the contract of sale for review
Step 3
Property Valuation
Lenders assess the property's market value to ensure it aligns with the loan amount requested.
Step 4
Conditional Approval
The lender approves your loan, pending additional requirements like further documentation or valuation confirmation.
Step 5
Unconditional Approval
Final loan approval after meeting all conditions, including property valuation and document verification.
Step 6
Settlement
The final step where ownership transfers from seller to buyer, and the loan is finalized.