theoritically you can get home loan without an income geh but NOT IN malaysia lor.

anyway, bank will evaluate your house value and then loan you an amount, that may be higher or lower than how you value your own house.

if no monthly income, u must declare why you need the loan for and HOW you can repay the monthly installment, thats about it. But usually in Malaysia without a salary income, hard to get loan geh, unless your guarantor is rick and famous lah ...

good luck !