Answer first

Prepare evidence that makes income and commitments understandable. Requirements differ for salaried, self-employed and variable-income applicants.

How to decide

Common categories include identity, income history, bank activity and business registration. Submit only through a verified provider channel and check the current list first.

A practical process

Salaried: recent payslips plus supporting bank, EPF or tax record. Self-employed: registration, tax filing and business statements. Variable income: longer consistent evidence may help explain volatility.

Limits and next step

Never send identity or financial records to an unverified agent. Check the linked primary source and its captured date before making a commitment.

Malaysian worked example

Show the working

Inputs

  • average deposits RM6,000
  • existing instalments RM1,200
  • proposed payment RM500

Calculation

  1. selected commitments = RM1,700
  2. illustrative DSR = 28.33%

Reviewed resultThe calculation can organise a discussion but does not establish eligibility.

Never send identity or financial records to an unverified agent.

Verify

Sources and update record