Check EPF Statements and Make Sure Employers Contribute on Time

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Apart from that, also check your EPF statement. Make sure your employer makes contributions consistently and on time. If there is a delay, ask your employer and ask them to issue a justification letter. Submit the letter to the bank when applying for a loan later.

4) Make Sure Supporting Documents Are Complete
To apply for a home loan, make sure your supporting documents are complete. If you are employed, the documents required are:

Copy of identity card
Salary statements for the last three months or the last six months, if there is irregular income such as overtime allowance.
Bank statements for the last three months or the last six months, if there is irregular income such as overtime allowance.
EPF statement or EA form
Supporting documents for additional income (rental income, ASB, etc
Booking form or letter of intent for you to buy a house
5) Some Other Important Tips
Apart from the 4 main things above, there are also several other ways that will help your loan application.