5 ways to get housing loan easier 1. Improve Your Credit Score: A good credit score is one of the most important factors that banks consider when approving a housing loan. You can improve your credit score by paying your bills on time, reducing your debt-to-income ratio, and ensuring that your credit report is free of errors. 2. Save for a Down Payment: Having a substantial down payment can improve your chances of getting approved for a housing loan. A larger down payment will reduce the amount you need to borrow, making you a more attractive borrower to banks. 3. Get a Co-Signer: If you have a low credit score or insufficient income, you may be able to secure a housing loan by getting a co-signer. A co-signer is someone who agrees to take responsibility for the loan if you default on it. Having a co-signer can make you a less risky borrower, improving your chances of getting approved. 4. Compare Around for Banks: Different banks have different criteria for approving housing loans. By comparing rates and terms from multiple banks, you can find one that is willing to offer you a loan that fits your needs. 5. Improve Your Income: Banks want to see that you have a stable income and can afford to repay the loan. If you're struggling to get approved for a housing loan, consider finding ways to increase your income, such as by taking on a second job or starting a side business. This can help you demonstrate to lenders that you are a responsible borrower who is capable of repaying the loan. #getloanapprove #loan #bankloan #housingloan #EBGproperty #malaysiaproperty #propertymalaysia #rumah #malaysiaproperties #propertiesmalaysia #propertyagent #realestateagent #realestatenegotiator #agenhartanah #hartanah #hartanahmalaysia #tipshartanah #jualbelirumah #earnmoney