Home loan documents checklist (2026)
Quick answer: Everyone needs: a copy of your IC, the latest 3–6 months of payslips, 3–6 months of bank statements (salary credited), EPF statement, latest EA/BE form, and the property documents (booking form, offer letter or SPA). The self-employed add SSM registration, 6–12 months of business bank statements and Form B. People working in Singapore need payslips, a CPF statement and an employer letter.
| Applicant | Extra documents |
|---|---|
| Salaried (private) | Employer confirmation letter, 3–6 months payslips, salary bank statements, EA form, EPF statement |
| Civil servant (LPPSA) | LPPSA application form, salary statement, head-of-department confirmation, SPA / property documents |
| Self-employed | SSM certificate, 6–12 months business bank statements, Form B + LHDN tax receipts for 2 years; Sdn Bhd: company documents & audited accounts |
| Gig / irregular income | Platform income statements, 6–12 months bank statements; consider SJKP |
| Working in Singapore | Passport, payslips (SGD), CPF statement, employer confirmation letter, bank statements showing salary credited |
Tips for a faster approval
- Have your salary paid into the same bank account every month — avoid cash.
- Check your CCRIS first via Bank Negara's eCCRIS.
- Scan every document as a clear PDF; one file per document.
- If you get allowances, ask your employer to state fixed allowances in the confirmation letter.
Once your documents are ready, see how long the process takes.
Frequently asked questions
What documents do I need for a home loan?
A copy of your IC, 3–6 months of payslips, 3–6 months of bank statements, EPF statement, EA/BE form and property documents such as the offer letter or SPA.
What do the self-employed need for a home loan?
SSM certificate, 6–12 months of business bank statements, Form B and LHDN tax receipts for at least 2 years. A Sdn Bhd needs company documents and audited accounts.
Can I get a Malaysian home loan while working in Singapore?
Yes. Prepare your passport, payslips, CPF statement, employer letter and bank statements. Some banks count foreign income with a haircut.
How many months of payslips do I need?
Most banks ask for the latest 3 to 6 months, with bank statements for the same months.