Are you under employment or self-employed?

As per what I posted above, then

Different property documents required  depending of purpose of financing:

a) underconstruction
b) subsale
c) refinancing

Here is the full list

Mortgage application documents or UNDERCONSTRUCTION purchase (joint-applicants to provide as well)

PERSONAL DOCUMENTS
- NRIC front-back (do not cross)

PROPERTY DOCUMENTS
- Booking form provided by developer's agent

EMPLOYMENT/CONTRACTUAL DOCUMENTS
- 3 months payslip | 6 months if variable income
- 3 months  bank statement | 6 months if variable income
- Latest EPF statement
- 2 years EA form (for bonus calculation)
- Job letter offer (for new employees)

OTHER INCOME DOCUMENTS
- Stamped and valid tenancy agreements (for rental income)
- 6 months Bank statement (to verify rental income)
- Investment passbook/statement (for ASB, unit trusts, Tabung Haji)

LOAN COMMITMENT DOCUMENTS
- Hire-purchase letter offers
- Personal loan letter offers
- Property loan letter offers
- ASB loan letter offers
- Settlement letters of previous loans
- PTPTN settlement/restructuring letters

FOR AGENCY-BASED APPLICANTS (insurance, unit trust, property, etc.)
- 2-years borang B/BE
- Tax payment receipt(s)
- 12-months payment vouchers
- 12-months bank statement (tally with payment vouchers)
- Letter from company HR to certify appointment/attachement to the company

BUSINESS INCOME DOCUMENTS
- SSM registration documents (Borang D)
- 2-years borang B/BE
- Tax payment receipts(s)
- 6-months payment vouchers
- 6-months bank statements (tally with payment vouchers)

ADDITIONAL DOCUMENTS FOR MALAYSIANS WORKING OVERSEAS
- Passport
- Work permit
- Tax documentations
- CBS report for Malaysians working in Singapore

That depends on your property market value, valuation fees is regulated so I don't know what you mean by "bargain".

As for terms and condition, I believe your banker will spell out the T&C when you meet him for the LO presentation and signing.

Things you may need to be aware of are like
1. the interest rate payable during the tenure
2. Lock in period
3. Prepayment condition
4. Penalties for any early settlement, prepayment, cancellation
5. what are the revised rates for failure in your duty to repay the bank
Hi Amideva, thanks for your info

For under employment, you may submit the following documents

IC front and back
3 months payslip and bank statement
EPF statement 2018 & 2019
EA Form 2017 & 2018
Booking Form
Sales & Purchase / Title (Geran) if it's a subsales - since you mention its a project, then a booking form will be enough
*optional* If you have any rental income - please show 3 mths bank statement showing the rental payment + stamped Tenancy Agreement
Do provide any FD/Savings account statement if you have some savings with you..

Some bank officers are still working. I applied 3 banks and 2 banks approved my loan whilst the other one said they're forced to WFH and no progress. So it depends

Mine was a newly launched property so could be different from yours.

Better to check with your sales agent. But I believe they will extend the period because of the MCO now

Own stay

Actually the monthly interest charge by bank is different every month and not necessary reducing also if u happens to read the loan statement.
By paying a flat figure every month we are actually not paying an accurate figure. Bank just give u a convenient figure to pay.
Hence the little inaccuracy will snow ball till your loan will be extended at the end.

Bear in mind that the extra rm300 to rm500 u pay every mth only saves u less than RM2/mth. Why not spend that amt for a good meal ?

I hv a client dump in 50k cash into the loan and next mth the interest only reduced rm124+.

Logically thinking:
50,000 = reduce rm124
5,000 = reduce rm12.4
500 = reduce rm1.24

Worth to pay that extra ? 

You can refer to your current outstanding balance vs the 60k and see whether current outstanding is lower or not.