Can I Afford This Home? 3 Must-Have Documents Before You Apply for a Loan

1. Introduction

You’ve been scrolling through listings, visiting show units, and picturing your new life in your first home. But before you take that next step, when applying for a loan there’s one essential question you’ll need to answer: Can I afford this home? While home loans can feel complicated at first, the process becomes much smoother when you prepare the right documents. Here’s what banks really want to see, and how you can get a head start on your homeownership journey.

2. What Documents Do You Need for a Home Loan Application?

Whether you’re applying through a bank or online, most lenders will ask for three key documents to evaluate your financial health and loan eligibility.

3. The 3 Essential Documents Explained

3.1 Proof of Income

This helps the bank assess how consistently and how much you earn.

What to prepare:
Latest 3 months’ payslips (or 6 months if you’re self-employed)
EA Form (Form EA for salaried workers)
EPF statements (to show long-term financial stability)
Income tax statements (e.g. Form BE)


Why it matters:
Banks need to know you can repay your loan monthly. A clear, steady income
tells them you’re a low-risk borrower.

3.2 Identity Documents

These are needed to verify your legal identity and cross-check with your financial background.


What to prepare:
NRIC or Passport (front and back scanned)
Marriage certificate (if applying jointly)

Why it matters:
This is part of the bank’s Know Your Customer (KYC) process and is required
for credit checks and documentation processing.

3.3 Bank Statements

This provides a clear picture of how you manage your money day-to-day.

What to prepare:
Latest 3 to 6 months of personal bank statements

Why it matters:
Beyond your salary, banks look at your spending habits, savings consistency, and existing loan repayments. Avoid sudden large deposits or excessive spending during this period.

4. Bonus Tip: Speed Things Up with a Pre-Approval

Getting pre-approved (also known as a pre-qualification) helps you:

  • Understand how much you can borrow
  • Strengthen your position when booking a unit
  • Avoid surprises later in the process
  • Tools like The Ayu’s Home Loan Calculator can give you a rough estimate based on your income and obligations.

5. How The Ayu Makes Homeownership Easier

If you’re exploring new homes in Bangi or Bandar Seri Putra, The Ayu Residences is designed with first-time buyers in mind. With freehold status, EV Charging Infra Ready, and low-density planning, it offers peace of mind for long-term own-stay buyers. Whether you’re choosing a unit for yourself, your future family, or just want room to grow, starting with your loan documents puts you one step ahead.

6. Conclusion

Preparing your documents early gives you clarity, confidence, and control. It’s the first step toward securing the home that’s truly right for you — and making the dream feel real.

➡ Ready to calculate your affordability?
Use our Home Loan Calculator or Register now to speak to our advisors about available units at The Ayu Residences.

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    The user’s personal data will be collected from various on-line forms and links made available during visits to Emkay Group’s website and/or in the course of the users dealing with Emkay Group, in which the users may be required to provide the user’s personal details (such as individual name, company’s name, identity card number, passport number, registration number, date of birth, age, gender, race, nationality etc.), address,  contact details (such as telephone numbers, fax numbers and email address) and any other relevant information which the user had disclosed to Emkay Group as may be updated from time to time.


    Kindly be informed that the personal data provided may be disclosed, disseminated and/or transferred to companies within Emkay Group or to any third party organizations or persons for the purpose of fulfilling Emkay Group’s obligations to the users in respect of the Purposes and all such other purposes that are related to the Purposes and also in providing integrated services, maintaining and storing records. In respect of the above, Emkay Group is committed in ensuring the confidentiality, protection, security and accuracy of all personal data provided by the users. It is the user’s obligation to ensure that all personal data submitted are accurate, not misleading, updated and complete in all aspects. For the avoidance of doubt, Emkay Group will not be responsible for any personal data which are inaccurate, misleading, incomplete and not updated.


    Further,  in the event that the user furnishes or make available to Emkay Group any personal data relating to a third party i.e. including but not limited to information of spouse, parents, children, directors, shareholders and/or guarantors (collectively, “Third Parties”), the user represents that the user has obtained the consent of the Third Parties to provide Emkay Group with their personal data and for Emkay Group to collect, use, disclose and process their personal data for the Purposes. 


    Any personal data retained by Emkay Group shall be destroyed and/or deleted from Emkay Group’s records and system in accordance with Emkay Group’s Document Retention Policy in the event such data is no longer required for the said Purposes, unless the user requests that its personal data be removed and destroyed, by sending an email to [enter company email here]. The user hereby declares its consent to the collecting, using, disclosing and processing of the user’s personal data and have read, understood and accepted the terms stated herein. This PDPA Notice may be revised from time to time. Notice of any such revision will be given on our website and/or by such other means of communication deemed suitable by Emkay Group. 

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    This website and its content are copyright of Emkay Group. All rights reserved.


    Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:

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    • The user may copy the content to individual third parties for personal use, but only if the user acknowledges the website as the source of the material.


    The user may not, except with Emkay Group’s written permission, distribute or commercially exploit the content, or transmit it or store it in any other website or other form of electronic retrieval system.

    Personal Data Protection Act 2010 Notice

    The Personal Data Protection Act 2010 (“PDPA”) was passed to regulate and govern the processing of personal data in a commercial transaction. In compliance of PDPA, Emkay Group of Companies (including the holding company, subsidiaries, associated, related and affiliated companies as well as their subsidiaries, associated and affiliated companies, both local and international, whether present or future) (collectively, “the Emkay Group”) is required to manage the personal data collected from the users in various way, in printed or electronic forms through website, digital and mobile platforms and/or any transaction document and/or otherwise provided by the user or possessed by Emkay Group in the course of the user’s dealings with Emkay Group.


    The user’s personal data may be used for:

    • Internal record keeping
    • To provide products and/or services to the users as well as products and/or services by third party providers provided through Emkay Group
    • To customize Emkay Group’s website according to the user’s interest
    • To enable the users to provide feedbacks to Emkay Group
    • To assess user’s job application
    • To administer the user’s participation in any contest/programme related to the public organized by Emkay Group
    • To better understand the user’s needs as Emkay Group’s customer
    • For security and fraud prevention purposes
    • For the purposes of inclusion in media engagements and/or any relevant or related events
    • For the purposes of us preparing guest invitations, registration and/or sign-ups for our events
    • For the purposes of printed and on-line publications
    • For the purposes of facilitating, implementing and/or formalising any transaction with Emkay Group
    • For the purposes of sending marketing, advertising and promotional information about other products/services that Emkay Group, its business partners or third party providers may be offering (“Marketing Information”) to the users by way of postal mail, electronic transmission, text messages (SMS/MMS), telephone calls and/or other phone based messaging telephone number(s) (WhatsApp/Telegram) (collectively, “the Purposes”).


    The user’s personal data will be collected from various on-line forms and links made available during visits to Emkay Group’s website and/or in the course of the users dealing with Emkay Group, in which the users may be required to provide the user’s personal details (such as individual name, company’s name, identity card number, passport number, registration number, date of birth, age, gender, race, nationality etc.), address,  contact details (such as telephone numbers, fax numbers and email address) and any other relevant information which the user had disclosed to Emkay Group as may be updated from time to time.


    Kindly be informed that the personal data provided may be disclosed, disseminated and/or transferred to companies within Emkay Group or to any third party organizations or persons for the purpose of fulfilling Emkay Group’s obligations to the users in respect of the Purposes and all such other purposes that are related to the Purposes and also in providing integrated services, maintaining and storing records. In respect of the above, Emkay Group is committed in ensuring the confidentiality, protection, security and accuracy of all personal data provided by the users. It is the user’s obligation to ensure that all personal data submitted are accurate, not misleading, updated and complete in all aspects. For the avoidance of doubt, Emkay Group will not be responsible for any personal data which are inaccurate, misleading, incomplete and not updated.


    Further,  in the event that the user furnishes or make available to Emkay Group any personal data relating to a third party i.e. including but not limited to information of spouse, parents, children, directors, shareholders and/or guarantors (collectively, “Third Parties”), the user represents that the user has obtained the consent of the Third Parties to provide Emkay Group with their personal data and for Emkay Group to collect, use, disclose and process their personal data for the Purposes. 


    Any personal data retained by Emkay Group shall be destroyed and/or deleted from Emkay Group’s records and system in accordance with Emkay Group’s Document Retention Policy in the event such data is no longer required for the said Purposes, unless the user requests that its personal data be removed and destroyed, by sending an email to [enter company email here]. The user hereby declares its consent to the collecting, using, disclosing and processing of the user’s personal data and have read, understood and accepted the terms stated herein. This PDPA Notice may be revised from time to time. Notice of any such revision will be given on our website and/or by such other means of communication deemed suitable by Emkay Group. 

    Copyright
    This website and its content are copyright of Emkay Group. All rights reserved.


    Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:

    • The user may print or download to a local hard disk extracts for the user’s personal and non-commercial use only; and
    • The user may copy the content to individual third parties for personal use, but only if the user acknowledges the website as the source of the material.


    The user may not, except with Emkay Group’s written permission, distribute or commercially exploit the content, or transmit it or store it in any other website or other form of electronic retrieval system.

    Personal Data Protection Act 2010 Notice

    The Personal Data Protection Act 2010 (“PDPA”) was passed to regulate and govern the processing of personal data in a commercial transaction. In compliance of PDPA, Emkay Group of Companies (including the holding company, subsidiaries, associated, related and affiliated companies as well as their subsidiaries, associated and affiliated companies, both local and international, whether present or future) (collectively, “the Emkay Group”) is required to manage the personal data collected from the users in various way, in printed or electronic forms through website, digital and mobile platforms and/or any transaction document and/or otherwise provided by the user or possessed by Emkay Group in the course of the user’s dealings with Emkay Group.


    The user’s personal data may be used for:

    • Internal record keeping
    • To provide products and/or services to the users as well as products and/or services by third party providers provided through Emkay Group
    • To customize Emkay Group’s website according to the user’s interest
    • To enable the users to provide feedbacks to Emkay Group
    • To assess user’s job application
    • To administer the user’s participation in any contest/programme related to the public organized by Emkay Group
    • To better understand the user’s needs as Emkay Group’s customer
    • For security and fraud prevention purposes
    • For the purposes of inclusion in media engagements and/or any relevant or related events
    • For the purposes of us preparing guest invitations, registration and/or sign-ups for our events
    • For the purposes of printed and on-line publications
    • For the purposes of facilitating, implementing and/or formalising any transaction with Emkay Group
    • For the purposes of sending marketing, advertising and promotional information about other products/services that Emkay Group, its business partners or third party providers may be offering (“Marketing Information”) to the users by way of postal mail, electronic transmission, text messages (SMS/MMS), telephone calls and/or other phone based messaging telephone number(s) (WhatsApp/Telegram) (collectively, “the Purposes”).


    The user’s personal data will be collected from various on-line forms and links made available during visits to Emkay Group’s website and/or in the course of the users dealing with Emkay Group, in which the users may be required to provide the user’s personal details (such as individual name, company’s name, identity card number, passport number, registration number, date of birth, age, gender, race, nationality etc.), address,  contact details (such as telephone numbers, fax numbers and email address) and any other relevant information which the user had disclosed to Emkay Group as may be updated from time to time.


    Kindly be informed that the personal data provided may be disclosed, disseminated and/or transferred to companies within Emkay Group or to any third party organizations or persons for the purpose of fulfilling Emkay Group’s obligations to the users in respect of the Purposes and all such other purposes that are related to the Purposes and also in providing integrated services, maintaining and storing records. In respect of the above, Emkay Group is committed in ensuring the confidentiality, protection, security and accuracy of all personal data provided by the users. It is the user’s obligation to ensure that all personal data submitted are accurate, not misleading, updated and complete in all aspects. For the avoidance of doubt, Emkay Group will not be responsible for any personal data which are inaccurate, misleading, incomplete and not updated.


    Further,  in the event that the user furnishes or make available to Emkay Group any personal data relating to a third party i.e. including but not limited to information of spouse, parents, children, directors, shareholders and/or guarantors (collectively, “Third Parties”), the user represents that the user has obtained the consent of the Third Parties to provide Emkay Group with their personal data and for Emkay Group to collect, use, disclose and process their personal data for the Purposes. 


    Any personal data retained by Emkay Group shall be destroyed and/or deleted from Emkay Group’s records and system in accordance with Emkay Group’s Document Retention Policy in the event such data is no longer required for the said Purposes, unless the user requests that its personal data be removed and destroyed, by sending an email to [enter company email here]. The user hereby declares its consent to the collecting, using, disclosing and processing of the user’s personal data and have read, understood and accepted the terms stated herein. This PDPA Notice may be revised from time to time. Notice of any such revision will be given on our website and/or by such other means of communication deemed suitable by Emkay Group. 

    Copyright
    This website and its content are copyright of Emkay Group. All rights reserved.


    Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:

    • The user may print or download to a local hard disk extracts for the user’s personal and non-commercial use only; and
    • The user may copy the content to individual third parties for personal use, but only if the user acknowledges the website as the source of the material.


    The user may not, except with Emkay Group’s written permission, distribute or commercially exploit the content, or transmit it or store it in any other website or other form of electronic retrieval system.