The Hardship Affidavit For Mortgage is a critical document in Singapore's mortgage relief process, designed to help borrowers experiencing genuine financial difficulties. It serves as a formal declaration of the borrower's financial circumstances, including income reduction, job loss, medical emergencies, or other qualifying hardships. The document must meet specific requirements under Singapore law, including MAS guidelines and banking regulations. It typically includes comprehensive financial information, supporting documentation, and specific relief requests, forming the basis for lenders to evaluate mortgage modification or assistance programs.
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Key Requirements PROMPT example:
Hardship Affidavit For Mortgage
"I need a Hardship Affidavit For Mortgage due to loss of employment as a software engineer, with specific emphasis on my January 2025 redundancy and 50% reduction in household income, requesting a 6-month payment reduction from DBS Bank for my HDB flat mortgage."
1. Personal Information: Declarant's full name, NRIC/FIN, address, contact details
2. Property Details: Address and particulars of mortgaged property
3. Loan Information: Mortgage account number, original loan amount, current balance
4. Nature of Hardship: Detailed explanation of financial hardship circumstances
5. Financial Information: Current income, expenses, assets, and liabilities
6. Request Details: Specific relief or assistance being requested
7. Declaration of Truth: Sworn statement of accuracy and truthfulness
1. Employment Details: Current employment status and history, used when hardship is employment-related
2. Medical Information: Relevant medical conditions, used when hardship is health-related
3. CPF Usage Details: Information about CPF utilization, used when CPF is involved in mortgage payments
1. Supporting Documents: List of required supporting documents (payslips, bank statements, medical certificates)
2. Income and Expense Statement: Detailed breakdown of monthly income and expenses
3. Asset and Liability Statement: Comprehensive list of assets and liabilities
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