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I would like to apply joint loan with my husband. But he is working as a sales person with only commission (no base salary). He is work like a contract worker with the company , hence no EPF from the company.

I am a foreigner working in KL and no EPF as well as EPF is not a must for foreigner. Since both of us do not have EPF , will it affect the possibility to get house loan ?

Should my husband apply i-Saraan , does bank consider it is as EPF as well when review the loan application ?

Thank you
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2 Answers

Marilyn Khor
Replied
Greetings from Ohmyhome. We are an One Stop Property Platform. EPF & Socso statement requested by banker is to tally and to proof your monthly salary stated in your salary slip is as declared. EPF statement can be replaced with other related document like bank statement or other supported documents. We have our mortgage team that can assist you on this matter. You may contact or whatsapp us at 019-2665593  Read More
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Elise Leoon
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Hello Pearl, it seems like you need some professional advice on real estate and loan financing issue. I could provide the related information and assistance to make things easier for you. Feel free to reach me through Call or WhatsApp: 0178735589  Email: eliseleoon@kithandkinrealty.com Facebook or instagram: elise_real.estate Read More
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