Housing loan rejected by 2 banks, how to improve chances?

Went from rejected to approved, here is what I fixed. First, pull your CCRIS and CTOS report (CCRIS free from BNM). Check for any late payments, even a small late credit card or PTPTN arrear tanks your score. I had one PTPTN default I forgot about, settled it and restructured. Second, your DSR (debt service ratio) is likely too high, all your commitments (car loan, PTPTN, card) divided by income cannot exceed roughly 60-70%. Pay down or settle the car loan / card balance to lower your DSR. Third, dont apply to many banks at once, too many enquiries look desperate. Use a mortgage broker or the bank mortgage officer to pre-assess before formal submission. I also made sure my 3-6 months bank statements showed stable savings, not living paycheck to paycheck. After clearing my card and settling PTPTN, third bank approved 90% margin.