I see the major concerns where you may have the switch of the pay roll account (correct me if i'm wrong).

Since you are still intact with the current overseas company, may I know if your company has any branch/office in Malaysia? If yes, then employment verification should not be any issue.

Next, are you intend to purchase a new property or refinance the upcoming property from the transfer? Because the commitment calculation from purchasing a new property and refinancing could be slightly different.

Last but not least, if you are seeking for a joint loan, I suggest you look for direct family instead (e.g spouse, children). Any indirect siblings like siblings, cousin and etc may have causing complications to your application.

Hi,

Im sorry if I'm causing any confusion to you

I see the major concerns where you may have the switch of the pay roll account (correct me if i'm wrong).
- not sure what you meant
- could you please clarify?

What i meant was, any movement on your pay roll account? Due to relocation, has the company decided to switch the currency, maybe from USD to MYR or any changes from previous pay roll account in US to new pay roll account in MY.

Next, are you intend to purchase a new property or refinance the upcoming property from the transfer? Because the commitment calculation from purchasing a new property and refinancing could be slightly different.
- purchase/finance a new property
- would consider using existing title (after transfer) but prefer not to

I recommend you to purchase a new property instead of refinance the existing property.

Last but not least, if you are seeking for a joint loan, I suggest you look for direct family instead (e.g spouse, children). Any indirect siblings like siblings, cousin and etc may have causing complications to your application.
- ideally would just be myself on a 20 year term
- may consider a joint loan with gf as we are discussing a joint purchase and increase term length based on her age, if applicable

If you are purchasing a new residential property, max loan tenure is up to 35 years or 70 years old (whichever come first).

If you are using existing property (after title transferred) and refinance cash out from the property, your monthly commitment will be follow by the first 10 years. Once you are able to fulfill the overall commitments (existing monthly commitment + new monthly commitment from cash out), then you may request to extend tenure up to 35 years - which I personally don't see the logic why you should not opt for former option.

May I check your loan eligibility first before you decided to proceed under single name application or joint name?

I will need the following info :

Age
Single name/Joint name (please indicate the number of borrower)

Salaried Employee
- Basic Salary
- Fixed Allowances
- Variable Allowances/Others
- Bonuses

Commission Earner
- Average 6 months commissions
- Income Tax Declaration for 2 years + Receipt of tax payment

Self employed
- Year of establishment
- Nature of Business
- Type of company setup (Sole prop, partnerships, Sdn Bhd, LLP)
- Average 6 months credited amount in company bank statement
- 2 years income tax declaration + proof of payment

Monthly commitment
- Housing loan
- Hire Purchase
- Personal Loan
- Credit card
- Other term loans
- PTPTN loan

Supporting document (optional)
- rental income, savings, FD, shares, dividends and etc

Property details
- Undercon/Subssale/Refinance
- Property Address
- Purchase price/Open Market Value
- Type of property (landed/condo/etc)
- Land size
- Built up (Applicable to high rise/Semi D/Bungalow)
- Any renovation and estimated costs

you need at least 2 years company establishment, unless your monthly sales turnover around 200k-300k credited in your bank statement and some personal liquidity to show as supporting. Then bank may consider your application to be approved (from past experience, for your references only)