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Individuals who are salaried earners employed by Multinational Companies (MNC), Public Listed Corporations (PLC)

• Photocopy of identity card (both sides) of applicant and guarantor(s) (if any)
• Photocopy of applicant's driving license
• The following income documents:
  • Latest ONE (1) month salary slip; OR
  • Latest ONE (1) month credit bank statement; OR
  • Latest interim EPF statement

Individuals who are salaried earners employed by non- MNC, Small and Medium Enterprises (SME)

• Photocopy of identity card (both sides) of applicant and guarantor(s) (if any)
• Photocopy of applicant's driving license
• The following income documents:
  • Latest one (1) month salary slip AND one (1) month crediting bank statement; OR
  • Latest interim EPF statement

Individuals who are employed by Government/Government Agencies*

• Photocopy of identity card (both sides) of applicant and guarantor(s) (if any)
• Photocopy of applicant's driving license
• The following income documents:
  • Latest one (1) month salary slip OR
    
  • Latest one (1) month crediting bank statement
    

Note:

* Government Agencies = RISDA, FELDA, SIRIM and etc.

Individuals who are Self-employed (Sole Proprietor / Partners / Company Directors)

• Business Registration Form A/B (for Sole Proprietor/Partnership); OR Trading License (for East Malaysia); OR Current and valid professional practice certificate issued by relevant competent body (for Professional practices); OR Borang 24 and Borang 49 (for Sdn Bhd); AND
• Latest six (6) months Personal or Company's bank statement; OR Latest Borang B/BE (validated payment receipt of payment to LHDN)

Commission Earners (Insurance Agents, Multi-Level Marketers, Broker, Remisier, General Commission Agents)

• Latest six (6) months salary slip; AND
• Latest six (6) months crediting bank statements; OR
• Latest Borang BE (validated payment receipt of payment to LHDN);
  

Note:
6 months salary slips and bank statement are required if you want to include variable income such as overtime, commissions etc in addition to fixed salary.

Limited Companies:

• Certified true copy of the Memorandum and Articles of Association
  
• Certified true copy of Form 24 (Shares issued and authorised share capital)
  
• Certified true copy of Form 49 (Names and details of all directors and company secretary)
  
• Certified true copy of the extract of the Director's Resolution
  
• Photocopy of the Certificate of Incorporation (Form 9 and 13, if any)
  
• Photocopy of the Certificate of Commencement of Business (Form 23, if any)
  
• Latest copies of the Audited Accounts OR Bankers' references (latest six months' bank statements)
  
• Brief comments of director's experience, exposure and financial standing and
  
• Photocopy of guarantor's identity card (both sides)
  
  

Partnership and Proprietorships (additional documents are required):

• Photocopies of the Certificate of Business Registration and Borang D
  
• Partnership Agreement (if any)
  
• Latest copies of the Financial Accounts OR Bankers' references (latest six months' bank statements)
  
• Brief comments on sole proprietor or partners' experience, exposure and financial standing and
  
• Photocopies of sole proprietor or partners' identity cards (both sides)
  
  

Note:

• All applicants are required to declare any Non-Bank Debt Repayment Obligations
  
• Any additional income documents may be required at the absolute discretion of the Bank