Guide
No payslips. The property carries the facility.
Underwriting order: property → market value → LTV behind a first charge. No income proof or income documents required for this path — indicative from 12% p.a., typically 50–70% LTV.
Method
Asset-first underwriting
Banks often lead with payment capacity. This desk leads with whether Malaysian titled property can support a perfected first charge and what independent valuation supports for LTV.
Full methodology: property → value → LTV.
What we still ask for
Identity and title — not salary
- Property type, location, title status, existing charges
- Estimated value and amount needed
- Use case and exit plan (bridging, SPA, auction, refinance)
- NRIC / SSM when the case progresses — not income proof
Limits
This is not unsecured borrowing
No-income-doc does not mean no security. Unsecured personal loans and second-charge products are outside this site’s set.
FAQ
Common questions
Why is income proof not required?
Because the facility is sized against assessed market value under first charge — the asset carries the credit.
What LTV applies?
Typically 50–70% of assessed value, from 12% p.a. indicative.
Who lends?
Licensed funders introduced by Rahman Capital — footer advisory applies.
Screen the property on WhatsApp
First charge · from 12% p.a. · typically 50–70% LTV · no income documents required for this path.