Topkek u say u la don't my friend , lets help my friend topkek. Even need use dupe lagi. Freelancer all use income tax for loan.

Many commission income earners (property agents, insurance agents, mlm, unit trust agents etc) are able to borrow from banks to purchase property.

The rule .....

1. Dont buy high price property.
2. Pay more downpayment and borrow less
3. Spouse as co owner
4. Have a bank account solely for receiving income. If receive cash from customer, deposit the money into account to show transaction.
5. Keep proper records of income to tally with bank statement.
6. Do self contribution for EPF / Socso
7. Declare yearly tax  ..... taxable or otherwise.

If is a registered co without proper financial records, no banks would also want to loan them money.