assume you're below 35 years old, shouldn't be any issue to secure 600k loan.

Dear sukabasa,

1. With your income and no debt, you definitely can afford a RM780K property. Your max loan eligibility is RM1,000,000. However, without any debt or commitment will reduce your credit scoring badly, as bank couldn't analyse your debt payment patter or they don't understand you at all. Mostly bank would reject applicants with clear CCRIS.

2. Most of the banks would slash margin when it comes to malaysian working at singapore.

3. However, clean ccris with high saving income shown in bank statement or have value assets under you would help improve your credit scoring.

My solution is,

a. stick with OCBC bank, they highly welcome malaysian working at singapore
b. If you have strong income saving in bank, or you have shares, FD, unit trust, do provide me the document, as this will improve your credit scoring aka increase loan approval chances.

I don't promise you with loan approval.