Working in Malaysia
- ✓Identity card (IC)
- ✓Latest 3 months’ payslips
- ✓Latest 3 months’ bank statements
- ✓EPF detailed statement for 2 years
- ✓Proof of savings
- ✓Employment verification letter
Estimate your monthly repayment and indicative affordability, then prepare the documents banks commonly request.
Monthly repayment estimate
Estimated monthly repayment
Indicative affordability
Estimated affordable property price
03 · LEGAL FEE ESTIMATE
SPA and loan legal-fee calculator
Enter the property price and loan amount to estimate Malaysian SPA and financing-document legal fees.
Estimated under SRO 2023 Table A: 1.25% on the first RM500,000, 1% on the next RM7,000,000 and up to 1% above RM7,500,000. Excludes stamp duty, SST, searches, registration and other disbursements. Developer transactions may use a different scale.
SPA legal fee
Loan legal fee
Estimated total
Results are initial estimates, not a bank approval or formal offer. Actual loan amount, interest rate and debt ratio depend on the bank’s assessment.
MALAYSIA MORTGAGE DOCUMENT CHECKLIST
What documents should you prepare for a Malaysian home loan?
A complete file helps the bank understand your income, cash flow and repayment ability. Individual banks may request additional documents.
Working overseas
- ✓IC and work permit
- ✓Latest 6 months’ payslips
- ✓Latest 6 months’ bank statements
- ✓Notice of assessment with payment receipt
- ✓Savings as financial backup
- ✓Employment verification letter
- ✓CBS credit report
Company application (SDN BHD)
- ✓Audited financial reports for the latest 2 years
- ✓Latest management accounts, certified by a director with company stamp
- ✓Debtors and creditors ageing reports, certified by a director with company stamp
- ✓Proof of business operation, such as utility bills or government correspondence
- ✓Latest 6 months’ company bank statements from all bankers
- ✓M&A, Form 24, Form 44 and Form 49
- ✓IC copies of all directors
For foreigners
- ✓Passport and identity card
- ✓Income documents
- ✓Bank statements
- ✓Savings as financial backup
- ✓Credit record from country of origin
- ✓Reason for buying a home in Malaysia
NEED A PROPERTY AND LOAN STARTING POINT?
WhatsApp David · +60 19-865 9331 →Share your budget and employment situation with David.
I can help you understand suitable Johor properties and organise the information needed for your next step.