Borang B and BE big difference oh.....the loan calculation will be different.

But anyways, to answer your questions based on my knowledge.

When you apply loan submit your last year income documents. Don't show them latest payslip unless asked. The reason is that they will then be able to give you a higher loan amount.

Depending on which banks, they all have different requirement for borrowing. Means lets say if your salary (minus PCB, EPF, Socso, etc.) is 4.5K. Maybe the bank will cap you at 65% of your salary. So you can only buy a house where your monthly instalment is max 3k.

I believe you should file your taxes properly first....besides that, choose the correct method that will show a higher income for you. But I think bank prefer employee salary slip

Check your CCRIS at Bank Negara. Very fast one. Just double park, go in, cucuk IC into the machine and print. If you have any late payments on your loans, you will have problems getting a housing loan. Banks like prompt payment

Sorry ah....my answer messy because lazy to go A,B,C,etc