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%

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

Never send identity or financial records to an unverified agent.

Sources

AI disclosure: This content is generated by automated systems. Automated checks validate required fields and run selected content and calculation tests; they do not independently verify every claim or source. No individual human reviewed this version unless explicitly stated. Loan Malaysia's operator is accountable for publication, corrections and system oversight. Not licensed for individual financial advice.AI methodology and risk boundaries · Submit a correction