A clearer answer. A practical next step.

Do not treat that promise as mortgage approval. The payment's true purpose, repayment conditions and effect on the real purchase price must be transparent to your lawyer and bank. If it relies on an inflated SPA price or hidden cashback, do not proceed. Settling a card also does not immediately erase its payment history.

What to do next

1. Ask your own conveyancing lawyer to examine the written arrangement before accepting money or signing a purchase commitment.
2. Disclose the true price, funds and conditions to the mortgage bank and get its written assessment; do not assume the bank accepts it.
3. If a genuine settlement is made, obtain confirmation from the card lender and let the mortgage bank reassess the updated record and affordability.

An honest price reduction or documented assistance is not automatically fraud; the specific facts need legal and bank review. Do not falsify a price, hide debt or sign a promised guaranteed-loan deal.

No. The tool is a planning estimate. Each bank assesses documented income, existing commitments, credit information and its own criteria. Only the bank can confirm your application, margin, rate and tenure.

Some eligible first-home buyers can apply under specific schemes. For example, BSN MyHome-i SJKP-MADANI covers eligible subsale homes: a property price up to RM300,000, 100% of that price plus specified costs, with total financing capped at RM360,000. This is a product option, not a promise of approval.

What to do next

1. Ask a participating bank to check your first-home, owner-occupation, income and credit eligibility.
2. Give the bank the actual purchase price and property documents; confirm valuation and scheme limits.
3. Obtain a written offer showing the approved price portion, eligible costs and any cash you must provide.

More than 100% guarantee coverage is not the same as cash back or automatic 100% financing. Other products have different caps and conditions.

A joint application lets the bank assess the proposed borrowers together; it also assesses their debts and credit histories. It can help some households, but it is not an automatic approval or a way to hide one person's commitments. Loan names and property ownership must be checked separately.

What to do next

1. Ask the bank which relationships and borrower combinations the product accepts.
2. Use the bank's official secure channel for each applicant's income and debt records; compare joint and individual assessments.
3. Ask the bank and lawyer to explain repayment liability, ownership shares and the process if someone wants to exit.

Removing a name is not automatic. Confirm the contract and lender's consent; joint borrowing does not itself establish equal ownership.

Ask the bank whether that product accepts a guarantor. A guarantee creates repayment liability under its terms; it does not replace the bank's assessment. A family guarantor and a joint borrower are different roles. For example, Maybank Home 2gether uses a specific parent-child joint-financing structure, not a universal family guarantee.

What to do next

1. Tell the bank each person's intended role: borrower, guarantor, property owner or security provider.
2. Have the bank assess the proposed guarantor and explain the amount, duration and release conditions.
3. Before signing, get an explanation of the guarantee from the bank and independent legal advice where needed.

A guarantor may have to pay if the borrower does not. No agent can promise that adding a family member guarantees approval or later release.

Existing commitments affect affordability. Banks assess income, debt repayments and living-cost buffers; there is no single DSR percentage that guarantees approval at every bank. PTPTN repayment status can also appear in credit reporting. Clearing an arrear does not itself guarantee a new home loan.

What to do next

1. List every monthly commitment, including cards, hire purchase, personal loans, PTPTN and any family loan repayments.
2. Ask the mortgage bank which income and commitment figures it uses, and have it calculate your remaining capacity.
3. If PTPTN is overdue, discuss repayment or restructuring directly with PTPTN, then let the bank reassess the updated position.

Do not take another loan just to make the deposit look ready. If repayments are already unmanageable, speak to the lender or AKPK before adding a mortgage.