The Hardship Mortgage Letter is a crucial document used when borrowers face significant financial difficulties affecting their ability to meet mortgage obligations in Singapore. It serves as a formal request to their lending institution for payment relief or loan modification. The letter must address specific requirements under Singapore's banking regulations and MAS guidelines, providing comprehensive information about the nature of hardship, financial status, and proposed resolution. This document becomes particularly relevant during economic downturns, personal financial crises, or circumstances like the COVID-19 pandemic, where borrowers require formal channels to communicate their difficulties and seek assistance.
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Key Requirements PROMPT example:
Hardship Mortgage Letter
"I need a Hardship Mortgage Letter for my Singapore HDB flat due to recent medical issues affecting my income, requesting a 6-month payment reduction starting March 2025, with specific mention of my CPF usage for mortgage payments."
1. Personal Information: Borrower's details, loan account number, property address
2. Current Financial Situation: Description of hardship circumstances and current financial status
3. Specific Request: Clear statement of the relief or modification being requested
4. Supporting Documentation: List of enclosed evidence supporting hardship claim
5. Proposed Resolution: Suggested payment plan or modification terms
1. Employment Status Change: Details of job loss or reduction in income - include when employment changes are primary cause of hardship
2. Medical Circumstances: Details of medical conditions affecting ability to pay - include when health issues are primary cause of hardship
3. CPF Usage Details: Information about CPF contributions and usage for mortgage - include when requesting changes to CPF arrangements
1. Financial Statement: Detailed current income and expenses statement
2. Supporting Documents: Pay slips, medical certificates, termination letters, or other relevant evidence
3. CPF Statement: Recent CPF contribution history and available balance
4. Bank Statements: Recent bank statements showing financial position
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