Hi all bankers and sifus,

I’m with my girlfriend trying to get loan for our first house. We plan to buy double storey KL.

Property price: 850k second double storey
Loan:700,000 hope to get 85%
Credit card: clear off every month no outstanding
Age: 28(me) 25(she)
Year of our business: 2year plus
Net income:
Enterprise profit
Year 2019 - 99k - rm4200 monthly profit /person
Year 2020 -135k - rm5600 monthly profit/person
All sale and expenses got transaction in our account
We also got submit our income to LHDN for year 2019&2020
Monthly saving around 4k - 6k
Occupation: morning market hawker
-we operate our business under our partnership enterprise
-profit by sharing in business enterprise account
-ssm 2year ++
Commitment :
For me: ptptn rm250 /remain 13 year
Car loan rm900/remain 6 year
Every month clear no outstanding
She : no commitment
Marital status : single
Currently : rent house rm1500 per month

Is our profile able get a loan for our 1st house purchase? What would be the loan margin and loan tenure? How much we need to prepare in order to buy second hand double storey with price 850k?Thanks for the advice

Can90%?
If 85 % easy approve?
Because I scare I pay booking fee to them but loan not approve hard to get back the booking fee