For a ready property, the full mortgage process usually takes four to six weeks. Pre-approval takes about three to seven working days.
- Pre-approval: 3–7 working days, valid 60–90 days
- Find the property and sign the MOU (Form F)
- Valuation: 3–5 days
- Final offer letter: 5–10 working days
- Transfer at the trustee office: the bank pays the seller and the title deed is issued
Off-plan and handover cases follow the developer's timeline. Mortgage buyouts take 3–5 weeks.
