What Documents Do I Need for a Personal Loan or Home Loan in Malaysia?

Missing or messy documents are one of the most common reasons an application is delayed or declined. Use this list to prepare before you apply. Each bank may ask for a little more.

Everyone

• IC (front and back, clear copy) for every applicant
• Proof of address if it's different from your IC, such as a utility or internet bill

Salaried employees

• Last 3 months of payslips (6 months if you get commission, allowances or overtime)
• 3 to 6 months of bank statements for the account your salary goes into, as PDF downloads where possible
• EPF statement (detailed, recent)
• EA form for the last year or two, or your BE tax return with the submission or payment receipt
• Employment confirmation letter if you joined recently

Banks cross-check these. Your payslip, EPF contributions and the salary in your bank statement should match. Gaps are a common reason for questions.

Commission earners

• 6 months of commission statements
• 6 months of bank statements showing the commission credited
• BE tax return and payment receipt (and CP58 if your company issues one)

See Can I get a home loan with commission or business income?

Business owners and self-employed

• SSM documents (full, recent printout)
• Form B for the last 2 years with the assessment or payment receipt
• 6 months of company bank statements (all accounts) and your personal statements
• Trading licence, if your business needs one

Buying a property (home loan)

• Booking form or SPA, or the sale and purchase details from the developer or seller
• Property details: address, title type, and for subsale, a copy of the seller's SPA and title

Refinancing or cash-out

• Your current SPA and title (strata, master or individual)
• Your latest home loan statement and redemption details from the current bank

Debt consolidation

• The last 2 months of credit card and loan statements for every debt you want to combine

Tips

1. 1.Send clear, complete copies. Every page, nothing cut off.
2. 2.Use PDF bank statements downloaded from online banking where possible.
3. 3.Check names and addresses match across documents.
4. 4.Never send your banking password, TAC or OTP to anyone. No genuine bank or adviser needs them. See how to spot a loan scam.

STS Wealth Care is a loan advisory consultant, not a bank or lender. We check your documents before they go to the bank, so missing or mismatched papers are fixed first. We don't charge an upfront fee, and approval is always the bank's decision.

This article is general information, not financial or legal advice. STS Wealth Care is a loan advisory consultant, not a bank, lender or licensed financial advisor. Approval, rates and amounts are always decided by the bank or financial institution.