Usually, employers will evaluate

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Your credit score will be affected. Your loan may be rejected or your bank's profit rate may increase. So don't forget to check your EPF statement from time to time. It's not difficult to get a statement. You can go straight to the EPF or Easy RHB branch. There is a machine there that can print out statements. Just bring your IC. Apart from that, after you have worked for a while, make sure your status is changed to permanent employee.


Employees within 6 months. If you still do not get permanent buy bosnia and herzegovina whatsapp number database employment status after that period, discuss it with your employer. This is because banks approve loans for those with contract status. However, this does not apply to government employees. You can apply for a loan if you have been working for more than 6 months. 2) Supplement Income With a Side Job do a side job If someone earns RM2000 or less, believe me, it is quite difficult for banks to approve a home loan.


This is because the bank has already deducted part of the income as living expenses. For those with families, for example, some banks stipulate that RM1,500 of income cannot be used to pay off loans. This is what is called the Net Disposable Income Threshold. In the case of the RM2000 income earlier, only RM500 can be used to pay the housing loan. This RM500 can only buy a house worth around RM80,000-RM100,000.