Salaried applicants (typical)
- NRIC
- Latest 3 months payslips
- Latest EPF statement / EA form as requested
- 3–6 months salary bank statements
- Existing loan statements / CCRIS consent
Self-employed / commission (typical)
- Business registration (SSM) where relevant
- Latest B/BE forms and tax receipts
- 6–12 months business and personal bank statements
- Contracts or commission statements supporting income
More detail: self-employed home loan guide.
Property pack
- Booking form / SPA
- Developer documents for new launch
- Title / valuation inputs for subsale
Submission tips
Name consistency, complete months (no gaps), and a one-page cover note for odd items save days of credit queries. Process overview: how RMS2U works.
As of Oct 2026: BNM OPR 3.00%; SBR 2.75%. Packaged home-loan rates commonly fall roughly in the 3.55%–4.50% p.a. band depending on bank and profile. Confirm live figures with Janice before deciding.
Related
FAQ
Do all banks ask for the same documents?
Core items overlap; some banks ask for extras by income type.