Hi Guys, I have lived a carefree life and made few financial messes when I was in my 20s. It took a long time for me to clean up the credit score, and now its finally clean.

I am 32, married with 2 kids, basic salary MYR11.2k but no property. My take home salary is about MYR8.5k, my bank commitment is about RM2.7k and I am looking for a property around 600k.

I already have a few projects I am interested in, but I haven't submitted any documentation. See to clean the mess I made took about 4 years and thus the last time I ever submitted any credit facility was in 2015 and I barely have any saving left.

My question is if my DSR is low (32% but commitment outside bank like kids, school, etc quite high and I can only afford mortgage around 2.8k-3k) with a basic salary considerably comfortable, but I barely have any savings, and have not engaged for any new credit since 2015, what are the chances of getting my loan to be approved?

Check my CCRIS and Ramci score, rating quite ok but I am still a bit worried if my past will haunt me

Thanks in advance

I have no idea, but why not save for 3 months and then you dont need to ask this question