During the purchase of a real estate, the process of applying for a house loan is crucial, it can influence the result. In addition, the housing prices in Malaysia have been instability in recent years, and face to the fact that many lenders cannot afford afterwards. National Bank should strictly adopt to checks the financial status of applicants. Bank will consider your financial situation in many ways, the applicant needs to understand his current repayment ability, you must also make preparations before your application then to reduce risk for bank refuses to approve your loan.

(i)       Loan application form

(ii)     Latest bill for existing home loan.

(iii)   Salary slip for the past 3 months

(iv)   Copy front and back of applicants' ID card

(v)      The latest relevant proof of salary forms such as Form J / Form B / Form BE / Form EA

(vi)   Copy of Sale and Purchase Contract / Deposit or Deposit Receipt / Developer’s Offer Letter

(vii) A copy of the title deed (if any)

(viii)              Bank account records for the past 6 months

(ix)   Housing valuation report

(x)     Tax certification

(xi)   Provident Fund Report

Additional files that can be prepared:

(i) Employer's confirmation letter

(ii) Additional financial certifications such as, proof of investment / banking records / credit cards / other loan letters

(iii) Certificate of study

(iv) Company name card

In addition, Foreigners purchase real estate in Malaysia and they can also apply to banks, the loan application range is between 50% and 70%, The bank mainly evaluates all relevant documents submitted by the applicant and then makes the final proportion of approved loans. The documents required by foreigners include visas, passports, and others.