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不同的工作地位申请房屋贷款的必备文件 | Essential documents to apply for a home loan depending on employment status
当购房者了解在马来西亚置产业的流程后，不同的工作地位（employment status)，如，打工人、自雇人士、自由工作者都会需要不同的文件来完成一单房产交易，才能取得入住房产的钥匙。
Buyers need to understand the process of home ownership in Malaysia depending on their employment statuses, such as office workers, self-employed, or freelancers. They will need different documents to complete a real estate transaction and obtain the key.
贷款申请表格
Loan application form申请人的身份证副本（前后）
Copy of the applicant's IC (front and back）最新J表格/B表格/EA表格（过去一/两年）
Latest J Form / B Form / EA Form (past one/two years）薪水单（过去3个月）
Pay slip (last 3 months）雇主发出的薪资确认信
Offer letter from employer最新公积金报表
Latest EPF statement银行户口账单（过去3个月）
Bank account statement (last 3 months）买卖合约副本/存款或订金收据/发展商的献购信
Copy of Sale and Purchase Agreement/ Deposit Receipt/Developer's Offer Letter地契副本
Copy of the title deed已竣工房屋评估报告
Completed property valuation report现有房贷的账单
Bill for existing home loan
贷款申请表格
Loan application form申请人的身份证副本（前后）
A copy of the applicant's IC (front and back）最新税务表格BE/B （过去一/两年）
Latest BE Form / B Form (past one/two years)公司注册SSM，FORM 9，24，49以及相关资料
Company registration SSM, Form 9, 24,49 and relevant information公司银行户口账单（过去6个月）
Company bank account statement (last 6 months)买卖合约副本/存款或订金收据/发展商的献购信
Copy of Sale and Purchase Agreement/ Deposit Receipt/Developer's Offer Letter地契副本
Copy of the title deed已竣工房屋评估报告
Completed property valuation report现有房贷的账单
Bill for existing home loan
贷款申请表格
Loan application form申请人的身份证副本（前后）
A copy of the applicant's IC (front and back）最新税务表格BE/B（过去一/两年）
Latest BE / B form (past one/two years)六个月的monthly commission statement
Monthly commission statement (6 months)银行户口账单（过去6个月）
Bank account statement (last 6 months）最新EA表格/ yearly commission statement
Latest EA form / yearly commission statement买卖合约副本/存款或订金收据/发展商的献购信
Copy of Sale and Purchase Agreement/ Deposit Receipt/Developer's Offer Letter地契副本
Copy of the title deed已竣工房屋评估报告
Completed property valuation report现有房贷的账单
Bill for existing home loan
* 如果你是大学毕业生或专业人士(doctor/lawyer/CFA/CFA/engineer等等)， 只要附上学业文凭，既可以更容易获得房屋贷款的申请批准。
If you are a college graduate or a professional (doctor/lawyer/CFA/CFA/engineer, etc.), just attach an academic diploma, it would be easier to get approved for a home loan.
** 如果你在国外（如：新加坡、其他国家）工作，那就必须额外准备该国家的工作准证（Working permit）或永久居留的证件（PR ID）。倘若目前的住址和身份证上的地址不一样，那就需要另一张能证明住家地址的证件（secondary document），例如：水电费单、宽频服务（Streamyx）单、保险保单、等等，来证明目前的住址。
If you work abroad (e.g. Singapore, other countries), you must prepare an additional working permit or permanent residence document (PR ID) in that country. If the current address and the address on the ID card is not the same, then you need another proof of your home address (secondary document), such as: utility bill, broadband service (Streamyx) bill, insurance policy, etc., to prove the current address.