Question about buying the first property and the loan.

Does the amount of loan you can get depend on the money you have in your saving account?

Let's just say you can prove that you have X amount of money in bank, then they allow you to get loan based on the amount you have. The higher you have, the easier you can get loan etc..

For example, a property costs Rm600,000 and if a person A has Rm150,000 in his saving account and person B only has Rm20,000 in his saving account. Person A is more likely to get loan approved if he wants to get loan to buy property.

Correct me if I am wrong.

I am actually working in overseas right now.

My plan is to quit my oversea jobs, then come back to Malaysia to buy property first while maybe doing side job or something (don't have an idea yet).

So if I have no monthly income from Malaysia, how will it be assessed? No debt as well