Missing documents is the #1 reason an application drags on. Not because banks are “slow”, but because the file keeps bouncing back for more proof.
Use this checklist to submit a complete, bank-ready pack from day one.
What documents do banks usually require for a loan in Malaysia?
Most banks ask for documents that prove three things: (1) who you are, (2) how you earn, and (3) whether you can afford the monthly repayment. For salaried applicants, the backbone is payslips + salary-crediting bank statements + EPF/tax forms. For self-employed applicants, it’s business proof + bank statements + tax/financial evidence.
Read this first: rules that make your file “easy to approve”
- Combine everything into one PDF (not 10 separate WhatsApp images)
- Don’t crop screenshots: bank statements must show your name + account number + pages
- Make the income story consistent: payslip ↔ bank crediting ↔ EPF/tax should match
- Use recent documents (banks commonly ask for latest 1–6 months depending on item)
In our work at NYK, a clean pack doesn’t just reduce back-and-forth — it makes you look stable.
Salaried checklist
Direct answer: For salaried borrowers, banks commonly request MyKad, payslips, salary-crediting bank statements, and at least one of EPF statement / EA form / tax form (BE) with receipt depending on the bank and product.
1) Identity
- MyKad (front & back)
2) Employment confirmation
- Employment letter / employer confirmation (if requested)
- Appointment letter (optional, helpful if you’re new)
3) Income proof
Prepare any combination that fits your bank’s requirement:
- Latest 3-6 months payslips
- Latest 3-6 months salary-crediting bank statements
- Latest EPF statement (some banks want EPF history / contribution consistency)
- Latest EA form (annual)
- Latest BE form + official tax receipt (some banks accept this as income verification)
4) Commitments (don’t hide it)
- Simple list/table of your existing loans + monthly instalments
- Credit cards list (even if you “pay full”, banks may still count an assumed commitment)
Self-employed checklist
Direct answer: For self-employed borrowers, banks commonly request MyKad, business registration proof, and stronger cashflow evidence such as 6-month (or more) bank statements, plus tax forms/receipts or business documents depending on your entity type (sole prop/partnership/Sdn Bhd).
1) Identity
- MyKad (front & back)
2) Business verification
Provide whichever applies:
- SSM business registration (sole prop / partnership), OR
- For Sdn Bhd: corporate documents banks may ask for (varies by bank/product)
3) Income / cashflow proof (this is the core)
- Business bank statements (commonly 6 months minimum for some lenders/products)
- Personal bank statements too (if your income is mixed)
- A 1-page income summary (monthly sales in, major expenses out, and what’s “net”)
4) Tax proof (bank-dependent, but common)
- Form B / BE
- LHDN payment receipt or e-filing acknowledgement (where applicable)
5) Supporting documents (pick what fits your business)
- Sample invoices / receipts
- Contracts / PO / platform statements (if you earn through platforms)
- Simple financial statements (if you have proper accounts)
| Document Type | Salaried | Self-employed |
|---|---|---|
| MyKad | ✅ | ✅ |
| Payslips | ✅ (commonly 1–3 months) | ❌ |
| Salary-crediting bank statements | ✅ (commonly 3 months) | ✅ (often longer; business + personal) |
| EPF statement | ✅ (commonly accepted) | ❌ (usually not relevant) |
| EA / BE + tax receipt | ✅ (often accepted alternatives) | ✅ (often requested) |
| Business registration (SSM / company docs) | ❌ | ✅ |
Extra documents banks may request
These aren’t “always required”, but they’re common depending on your case:
If you’re refinancing / consolidating
- Latest loan statements showing outstanding balance
- Redemption/settlement statement (if you have it)
If your income is variable (commission/bonus)
- Longer history (e.g., 6–12 months pattern)
- Supporting employer/commission statement if available
If you’re a director (salary + dividends)
- Proof of salary crediting + dividend crediting
- Company confirmation documents if asked
Common mistakes that delay approval
- Payslip shows salary but bank statement doesn’t clearly show salary crediting
- Bank statements are cropped screenshots (no name/account number)
- Only 1 month provided when the bank wants 3–6 months
- Self-employed statements look “random” with no summary/explanation
- Different documents contradict each other (numbers don’t match)
Copy-paste order for your final PDF pack
- MyKad (front & back)
- Employment letter / SSM / company docs
- Income proof (payslips OR income summary)
- Bank statements (salary crediting / business + personal)
- EPF statement (if salaried)
- EA / BE + tax receipt (if used)
- Existing loan statements (if refinance/consolidation)
- Commitments summary table (last page)
Conclusion
A strong application isn’t about “more documents”. It’s about the right documents telling one consistent story.
If you want NYK to pre-check your pack before submission, send the PDF and tell us:
- salaried or self-employed, and
- what you’re trying to do (new loan / refinance / consolidate / reduce instalments).
We’ll tell you what’s missing and what might raise questions—before the bank does 🙂
