Hi all, please help me to evaluate the financial status of my sister and mine as we applying a housing loan of RM100K:

Both of my sister and I are working in Singapore, respective salary are S$2400 (after CPF and other contributions is only S$1700) and S$1500 (nett).

I don't have any loan or obligations, every month can have few hundred SGD left. However for my sister, she has many obligations on loan and credit cards as follows:

1. Malaysia UOB credit cards: outstanding RM1K, do not pay every month but pay lump sum once a few months
2. Singapore education loan: S$270 per month for 3 years
3. Singapore credit cards: every month paying total S$650 for few cards, all are under installment scheme when signing package for buying laptop, beauty and skincare services...
4. Singapore insurance: S$110 per month
5. Malaysia insurance: RM100 per month, do not pay promptly as outstanding sum will be deducted from profit of investment

So in fact she needs to pay up S$1000+ each month and left very little. She makes all payments each month but always late after due date.

We are wondering if Singapore and Malaysia has any sort of 'link' system so that my sister's bad records will be tracked? Please advise our possiblilty of getting loan.

Thank you.
JY