Hi, I'm looking to buy a condominium in Johor for myself to stay. Currently working in Singapore. Would like to know if I'm eligible to get a loan in Malaysia to buy the property.

Since I don't have much savings, I'm wondering if I can get a 90% loan + additional loan (maybe renovation loan?) so I don't need to pay down-payment.

Salary: SGD 4k (nett after CPF)
Property price: RM 550,000
Tenure: 30years
Age: 30
Commitment: 0 (no other loans)
Credit Card: No Malaysia credit cards, will this affect my CCRS? I only have SG credit cards which I usually clear
Savings: Not more than SGD5k for past 3 months

Not much savings not because of debt but because I spend alot since no commitment. If I have a mortgage to pay then I'm sure I can allocate the money and save enough to pay it monthly.

Any bank sales personnel can help?

Thanks.