I know that rentals from property can be used as document to prove income to bank but does bank only use the rental income as supporting document, meaning they won't take it 100%, maybe 20% or something and only use it as supporting document, even only take the payslip income while determining the LA of a borrower?

https://kopiandproperty.com/2019/03/25/of-c...ney-management/ - March 25 2019.

This seems to be the extension of the 1997-98 Asian Financial Crisis which was the culmination of banking liberalization policy by the WTO/IMF in 1992-93 when loans from banks got easier, cheaper and more generous but riskier, eg from maximum 80% and 15-year tenure house loans to max 100% and 30-year = most workers like even KFC/McD waiters could afford to buy a house/flat and higher-income workers like doctors and engineers could buy a few or up to 40 houses for investment.
....... This created an artificial economic boom, eg a DST house in PJ that cost RM150k in 1990 shot up to RM500k in 1994. Many Malaysian companies borrowed heavily in US$ short-term high-interest loans to satisfy the pent-up demand for highways, houses/condos/apartments/flats, cars, consumer goods, etc. When the RM was manipulated to drop from RM2.5 to RM4.2 to the US$ in 1997, many of these companies defaulted on their US$ loans. Those who invested in more than 10 houses in 1995-97 mostly got bankrupt or a few jumped 14th floor in 1998-99.

Now, in the 2010s and 2020s = no more economic boom, so the housing companies use easy inflated valuation, cash-backs and multi-loans to artificially create another artificial economic boom which will culminate in another crisis.

BillCollector - fyi. Maybe you are interested in the RM1 million cash-back.
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Do this must die else suffer...and die young the better

Do this must die else suffer...and die young the better