Having complete and accurate documentation is crucial for a smooth and successful refinancing application. Incomplete documents are one of the main reasons for application delays or rejections.
In this guide, we provide a comprehensive list of all documents required for home loan refinancing in Malaysia, along with tips to expedite your application process.
Documents for Salaried Employees
- 1
Salinan MyKad (depan & belakang)
- 2
Slip gaji 3 bulan terkini
- 3
Penyata bank 6 bulan terkini
- 4
Borang EA / Penyata cukai
- 5
Penyata KWSP
- 6
Surat pengesahan majikan
- 7
Geran rumah / Sales & Purchase Agreement
Payslips - Important Tips
- 3 consecutive months of payslips (most recent)
- Must have company letterhead and HR/manager signature
- Name, position, and basic salary must be clearly shown
- If salary varies, include 6 months of payslips
Bank Statements - Important Tips
- 6 consecutive months from salary account
- All pages must be included, including first page
- Salary credits should be consistent each month
- Avoid large suspicious withdrawals
Documents for Self-Employed Applicants
- 1
Salinan MyKad (depan & belakang)
- 2
Penyata bank 6 bulan terkini (peribadi & syarikat)
- 3
Borang B / Penyata cukai 2 tahun
- 4
Sijil pendaftaran perniagaan (SSM)
- 5
Profil syarikat
- 6
Penyata untung rugi
- 7
Geran rumah / Sales & Purchase Agreement
Important Notes for Business Owners
- Minimum 2 years of business track record required by most banks
- Both personal AND business bank statements are required
- 2 years of income tax returns (Form B / Borang B) must be included
- For Sdn Bhd companies, also include Form 24 & Form 49
Property Documents
Property Title / Grant (Geran)
Document proving property ownership. If the title is still with the bank, request a certified copy.
Tip: Ensure the name on the title matches your IC exactly.
Sales & Purchase Agreement (S&P)
Original purchase agreement for the property. Required for ownership verification and transaction history.
Tip: Keep the original in a safe place. Prepare copies for the application.
Current Loan Statement
Recent statement showing your outstanding loan balance, interest rate, and current monthly payment.
Tip: Request a statement from your current bank, dated within the last month.
Quit Rent Receipt (Cukai Tanah)
Proof of recent land tax payment to the land office.
Tip: Ensure there are no arrears. Pay any outstanding amounts first.
Assessment/Cukai Taksiran Receipt
Proof of recent local council assessment tax payment.
Tip: Some banks require receipts for the last 2 years.
Additional Documents (If Applicable)
| Document | Description | Required For |
|---|---|---|
| Commission/Bonus Statements | If your income includes regular commission or bonuses. | Employees with variable income |
| Rental Income Proof | Tenancy agreement and bank statements showing deposits. | Property owners with rental income |
| Dividend/Investment Statements | Proof of income from investments or share dividends. | Investors |
| Spouse's Employment Letter | If applying jointly with spouse (joint application). | Joint applications |
| ASB/Tabung Haji Statement | Proof of savings to strengthen your application. | To strengthen application |
Document Checklist (Printable)
Salaried Employees:
Property Documents:
Print this page and tick off documents as you prepare them
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Tips for Preparing Your Documents
Prepare Originals & Copies
Bring original documents for verification and prepare at least 2 sets of copies.
Ensure Documents Are Current
Payslips and bank statements must be recent (within 3 months). Outdated documents will be rejected.
Check Name Consistency
Ensure names across all documents match your IC exactly. Any differences require supporting documents.
High-Quality Scans
If submitting online, ensure scans are clear and readable. Minimum 300 DPI resolution.
Sign All Pages
Some banks require signatures on every page of important documents.
Start Early
Begin collecting documents 2-4 weeks before applying. Some documents take time to obtain.
Common Application Mistakes to Avoid
Incomplete bank statements
Solution: Include ALL pages, including the first page showing name and account number.
Payslips without company stamp
Solution: Request HR to stamp and sign the payslips. Unstamped payslips may be rejected.
Expired documents
Solution: Check document dates. Bank statements and payslips must be within 3 months.
Inconsistent names
Solution: If names differ (e.g., with/without bin/binti), prepare a statutory declaration.
No proof of current address
Solution: Prepare recent utility bill or bank statement showing your current address.
Incomplete property documents
Solution: Include ALL pages of S&P agreement and title, not just the first page.
Eligibility Requirements
Besides complete documents, ensure you meet the basic eligibility requirements:
Refinancing Eligibility 2026
Age
21 - 65 years
Minimum Income
RM 3,000
Maximum DSR
70%
Employment Period
6 months
Maximum LTV
90%