Property in Malaysia for sale and rent | Buy, Rent and sell real estate and homes

The reason I'm posting this thread is cause I need advise on how to proceed with my current financial predicament.

I just booked a a residential property in Seremban for RM388,800 and have applied for joint loan together with my wife. I have approached both local and oversea bank to apply for loan however the margin of finance has not been more than 80%.

I was not sure what was the reason for this until the last bank I applied the loan for informed that I have poor record in making payment for my HP loan. This was a few months back currently I have no pending payment at all.

Our current financial situation:-

My salary per annum = RM 108,000
My wife's salary per annum = RM 36,000
My car loan = RM750.00 (left 12 months more)
My wife's car loan = RM 750.00 (left 76month some more)
My personal loan = RM1000 / month

All our payments are up to date.

Is there anyone who can advise me on how to proceed with the loan application? Should I try MBSB?

I have an outsource company which is tied up with dozen banks. So we can actually make a proposal for you to compare all the banks we have in Malaysia with financial information you provided. Is better doing this way than to beat around the bush with dozens of random bankers from dozens of random bank right? So just drop your contact/name and several important details so we can assist and help you out truthfully at haste.