Contract worker doesn't have fixed income but do have payment slip or the income will bank in to your bank account and show in your bank account right? if yes show one year bank statement along with income tax for application.

If your income is fix at RM8k, then should be no problem, for a 556k loan. I think the monthly instalment will be around 2800 which makes your DSR less than 50%

The problem for you will be to prove to bank that your income is consistent
And secondly if you don't have credit card, there is also problem in payment pattern.

here just my 2cent please correct me if im wrong.

1. no loan commitment, mean quite hard for bank to trust ur financial since ur record so 'clean' and no record on ccris. so i suggest u take credit card and use it for fuel, groceries and make sure pay full amount every month. this will appear on ur ccris with good record

2. income not fixed, if u run ur own business and not fixed salary person, normally bank want to some proof of ur income eg bank statement they require for 6 months. make sure the record is good.

loan eligibility with 8k salary for 556k, i think should be no problem.

If one has no borrowing at all (inclufing credit card), the bank can't see its repayment record and so unanle to determine whether it is a good paymaster.