mine work out fine with MBB (and cos this is my first home):

loan: 300k
combined income: 4.5k (principal = under contract; joint = permanent job with <2 years of working exp)
car loan bal: 6k
credit card: 0

the bank do look at ur savings as well..moved all ur $$ into the saving acc that u declared when applying...cos with a 10k income they expect some amount of saving..

N also this is not your first house as u have an existing joint housing loan, so it'll be a lil tougher

Maybank will likely move to community banking soon n reversal to its current position. Meaning, if u look at Maybank, they are more interested with properties value above 250k and anything below will be a bit longer if not unsuccessful. This has impacted lots of low cost buyers whom for many years looked to Maybank for this loan.

Do bank look at monthly income or annual income?