Documents needed to apply a mortgage loan

Documents needed to apply a mortgage loan/ housing loan!

When you apply for a mortgage loan, you need to provide information or documents that allows banks to verify your income and financial status.

Below are some guidelines of documents needed to apply housing loan:-

1. Employee

• Identification Card – NRIC copy
• Property Booking Receipt
• Land Title copy / Sales & Purchase Agreement
• Latest 3 months pay slip (for Basic Salary) or Latest 6 months pay slip (for Basic + Commission Earner)
• Latest 3 months personal bank statement (for Basic Salary)  or Latest 6 months pay slips (for Basic + Commission Earner) (to show salary creditedto bank account)
• Employment Letter / Latest EA form
• Latest KWSP statement
• Latest B/BE Form (income tax) with payment receipt acknowledgement (essential for commission earner)
• Deposit statement, eg. Fixed Deposit, ASB or Bonds (if any) –optional for showing strong financial background.

 2. Self- Employed

• Identification Card – NRIC copy
• Property Booking Receipt
• Land Title copy / Sales & Purchase Agreementent
• Latest 6 months Company Bank statement
• Latest 6 months Personal Bank statement
• Latest B Form (income tax) with payment receipt acknowledgement.
• Deposit statement, eg. Fixed Deposit, ASB or Bonds (if any) –optional for showing strong financial background.
• Business Registration :

(i) Sdn Bhd Company

• • Form 24 & 49
  • Latest Profit & Loss statement
  • Memorandum of Article
  • Company Profile

(ii) Sole Proprietor or Partnership

* Form A and Form D

 
 3.  Employee (Malaysians working in oversea)

• Identification Card – NRIC copy
• Working permit
• Property Booking Receipt
• Land Title copy / Sales & Purchase Agreement
• Latest 3 to 6 months pay slip 
• Latest 3 to 6 months personal bank statement (To show salary credited to bank account)
• Employment Letter / Latest EA form
• Latest KWSP statement / CPF statement
• Latest income tax declaration form with payment receipt acknowledgement. (preferable 2 years)
• Deposit statement, eg. Fixed Deposit, ASB or Bonds (if any) –optional for showing strong financial background.

 4.  Self-Employed (Malaysians working in oversea)

• Identification Card – NRIC copy
• Working permit
• Property Booking Receipt
• Land Title copy / Sales & Purchase Agreement
• Latest 6 months Company Bank statement
• Latest 6 months Personal Bank statement
• Latest profit and Loss Statement
• Business registration
• Latest income tax declaration form with payment receipt acknowledgement. (preferable 2 years)
• Deposit statement, eg. Fixed Deposit, ASB or Bonds (if any) –optional for showing strong financial background.