Hi Sifus!

I am applying RSKU property price with RM200k.
The applying process are roughly taking about 6 months to process.
So during this applying process I would like to prepare the supporting documents for apply the loan.
Due to I am self-employer with sole-proprietorship company.
I would like to know is the any chances to apply the loan with my situation as per stated below.

My situation are like this:
1. My age 29. My business are doing room rental business just over a year. But I will fill the sole proprietorship income tax for this year soon.
2. My monthly income are roughly 2-4k per month with payslip.
3. But my payslip are without EPF and SOSCO contribute. However I got contribute myself every month for EPF and SOSCO.
4. I do have 3 credit card, and all of my credit card are clear off every month with no outstanding record.
5. I have FD 50k under my name.
6. My monthly commitment are PTPTN (RM155/ Remain 11 years) and insurance (RM250 permonth) only.

I would like to know is that possibility for apply the housing loan amount RM150k- RM200 with my current situation?
How many percent the loan can be apply?
If not, what shall I prepare for the documents or is there any helpful tips for me to apply the loan?

Looking forward the experts can advise me on this will be much appreciate!.
Thank you.


This post has been edited by WonderBoys: Jul 1 2021, 04:47 AM