hi all sifus, hopeful to get an answer for my situation.
i have been working as a seafarer on foreign going ships for the past 10 years.
company is based in Singapore.
haven't declare any income tax since i started working as i was told back dont have to pay income tax when i started.
however now having trouble applying for loans.
was thinking to get a pin number
maybe could ease on loan approval.
how can i explain if LHDN ask where i have been for the past 10 years?
could anyone advice if i should bother creating a pin.
or how should i proceed?
thanks you in advance for your insights.

understand that part about property.
probably just to have my own home.
i think that should be in a different thread.

as for company, i would say no.
company is bought over by french co.
but then agency that manage us is singapore co.
hope you can understand the complications.

ok so lets take the loan out of the question.
how about avoiding a letter from LHDN
it seems like most of the time when receiving letter from LHDN.
its not a happy thing.
so i think i just want to avoid paying extra from whatever i required to.

ok understood. big items. so if i just put my wife name and buy a house.
then maybe she will be audited.
i think definitely sooner or later i would need a house for my family.
cant be renting all the way.
im not sure about your opinion/idea on owning a house/having a family.