Hi Sashie...
I do read about your situation my personaly opinion is your case really need to be handle carefully.
As i would say the chance is only 50%.
As you know different bank will have different set of Standards, Requirements and Criterias.
Best is get yourself to Bank Negara to print out your own CCRIS report and we should sit down and strategies on how to go about it. It will be more beneficial once you print your report and we meet.
In getting 100% loan for your first property there are a few important criteria also:
1) Be sure your monthly salary below RM 3,000
2) Property below rm220,000
3) first property own
4) Legal fees is not allow to finance it to loan.
I really hope to guide you through this case with you.
Regards,
Martin Lau
D'Venture FlexiHomes
\"All Your Mortgage Needs Under One Roof!\"