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If not, the bank assumes your employer is problematic and will degrade your financial scores. I handled a case before where the purchaser‘ employer forgot to contribute. It messed and delayed the loan application. Lucky enough for me, the seller was kind enough to wait until the problem solved. 3) Make sure the salary received in the bank statement is equal to the salary slip Your net salary in the payslip must tally with the amount received in the bank statement.


It sounds common sense. But guess how many cases denmark whatsapp fan I handled with such problems? Many. 4) Pay income tax Don’t evade the tax. It’s unlawful and troubles your loan application. Bank will require EA form when you apply for housing loan. So it’s important that you pay your taxes. Most employer deducts the tax from the employee salary on a monthly basis. But some don’t.


You must pay your annual tax or risks getting your loan rejected. LHDN will penalised you too. preparation to apply a housing loan 5) Pay all commitments on a timely basis Make sure you pay existing monthly commitment to any financial institution on schedule. This can be a personal loan, car loan, housing loan and others. Bank knows your payment habit for existing commitment.