All,

I am a singapore PR, I work in singapore everyday travel back to home in malaysia, i have a bad debt in singapore about 20k with 3 banks in singapore, I have car (proton persona) in malaysia, now i plan to buy a apartment in malaysia.

1.My enquiries is when i apply housing loan or any persona loan with malaysia bank. will they check my record in singapore? will the bad debts in singapore affect my loan?

2. If i declare bankrupcty in singapore, will they able to take my assets in malaysia?

3. for credit report is there a link between two country, i get my credit report in sg, then i not need to get it from malaysia,
because it is the same.

Appreciate for your comments and advise.