Not much unless u pledge FD with , say, OCBC Bank if u're applying the loan with us..
Even so, The amount they will take into account is only 80% of the profit u reap from the FD not your whole savings..

-Both will appear in CCRIS but guarantor wont be accounted for the +1 housing loan (3rd housing loan 70% loan margin)
-Guarantor wont have a split commitment deducted from his/her nett income therefore maintaining his/her nett income for the next house

VS

-Co-applicant will be obligated to pay half of the monthly commitment therefore CCRIS record will assume that half-commitment is taken by both main & co-applicant (Therefore, reducing the nett income for the next housing loan commitment): Future property purchas
- Co-applicant will also be treated as +1 housing loan (3rd housing loan 70% loan margin)

Welcome to dispute...

Purchase of loan document? What is that?

Yup, it is quite expensive actually and it is range from RM100 to RM500 depend on bank. Bank want you to pay so no choice or else find option which is free. If not mistaken CIMB is RM300.

I also don't know what I gain from answering this question for free.

Hi,

Bank calculate your ability to pay back the loan by BASIC + COMMISSION + OT + FIXED ALLOWANCE income (after minus epf, socso & etc)

Basic DSR is at 70%, so banks can up to 90%, depends on case to case basic.

Thanks