General information for preparation, not a lending decision.帮助您准备问题的一般信息，不是贷款决定。
Pre-approval checklist预批材料清单
A pre-approval (also called a home loan pre-qualification) gives you confidence in your budget before you start making offers. Lenders will assess your income, expenses, deposit, and credit history. Providing a complete application upfront speeds up the process and improves your chances of approval.
Here is what lenders typically ask for:
Proof of income: three months of payslips if you are a salaried employee, or two to three years of financial statements and IRD tax summaries if you are self-employed or a contractor. Bonus and commission income may require evidence of receipt over at least 12 months.
Identification: certified copy of your passport, driver licence, or New Zealand firearms licence. Some lenders accept digital verification through their app if you bank with them.
Bank statements: the last three months of transaction history for all accounts you hold, including savings, everyday, and credit-card accounts. Lenders review spending patterns, not just the balance.
Expense records: a breakdown of regular living costs including rent or board, utilities, insurance, groceries, transport, childcare, and any other recurring outgoings. Lenders use these to calculate your net disposable income.
Deposit evidence: three months of savings history showing genuine saving behaviour, plus any KiwiSaver withdrawal confirmation, gift letter from family, or property sale documents if you already own a home.
Liabilities: details of any existing debts including credit card limits, personal loans, car loans, student loans, and buy-now-pay-later arrangements. Lenders factor in the maximum possible repayment, not just the minimum.
Property details: if you already have a specific property in mind, include the sale and purchase agreement, LIM report, builder's report, and valuation if available. For general pre-approval, lenders work with an estimated purchase price.
Having these ready before you speak to a mortgage adviser or lender can reduce the pre-approval timeline from weeks to days. A mortgage adviser can also help you identify which documents each lender on your shortlist actually prioritises.
预批（也称为房贷资格预审）让您在出价前对自己的预算有信心。贷款机构将评估您的收入、支出、首付和信用记录。提前提交完整的申请可以加快审批速度并提高批准几率。
以下是贷款机构通常要求的材料：
收入证明: 受薪雇员需提供三个月的工资单；自雇或合同工需提供两到三年的财务报表和 IRD 税务摘要。奖金和佣金收入可能需要至少 12 个月的收款记录证明。
身份证明: 护照、驾驶执照或新西兰枪证核证副本。部分贷款机构接受通过其 App 进行数字验证（如果您是他们的银行客户）。
银行对账单: 您名下所有账户最近三个月的交易记录，包括储蓄账户、日常账户和信用卡账户。贷款机构会查看消费模式，而不仅仅是余额。
支出记录: 常规生活费用明细，包括房租或食宿费、水电费、保险、食品杂货、交通、育儿及其他经常性支出。贷款机构用这些数据计算您的可支配净收入。
首付证明: 三个月的储蓄记录显示真实储蓄行为，以及任何 KiwiSaver 提取确认函、家庭赠与信或房产出售文件（如您已拥有房产）。
负债情况: 任何现有债务的详细信息，包括信用卡额度、个人贷款、车贷、学生贷款和先买后付安排。贷款机构会按最大可能还款额计算，而不仅仅是最低还款额。
房产详情: 如果您已有具体的房产目标，请提供买卖协议、LIM 报告、建筑报告和估值报告（如有）。对于一般性预批，贷款机构会使用预估购买价格。
在与贷款顾问或贷款机构沟通前准备好的这些材料，可以将预批时间从数周缩短到数天。贷款顾问还可以帮您确定候选贷款机构各自优先看重的文件。
Points to keep in mind需要留意的事项
- Read the details alongside your own figures, timing, and documents.请结合自己的数字、时间安排和材料阅读这些内容。
- Use this article to prepare questions. Current lender criteria and personal circumstances still need to be checked.把文章当作准备问题的起点，具体贷款机构政策和个人情况仍需进一步确认。
Questions people often ask常见问题
No. This is general information from an existing service-page article. Approval, eligibility, cost, and suitability depend on your circumstances and the relevant lender criteria.
不能。这是从现有服务页面整理的一般信息。资格、审批、成本和适合性仍取决于您的实际情况以及相关贷款机构的评估标准。
Use it to identify the questions and documents that matter to your situation before deciding whether to start a conversation.
您可以把它作为整理问题和准备材料的起点，再决定是否需要结合自己的情况进一步沟通。
Source context来源背景
These public sources provide context for the general information in this article.以下公开来源为本文的一般信息提供背景。