Loan approval it depends on customer case to case basis. With full documentation without any ccris / ctos problem 3 days ~5days can gao dim. Or else it take 1week or more. Letter offer is based on approval. It wont take 1 week to issue letter of offer this is just bullshit. Loan once approved letter offer can b issued within 2 days. UNLESS the god damn branch or credit manager gone for vacation then byebye

Yes if everything ok no ccris no ctos income enuff then 3 days can gao dim UNLESS problem come out from the property side like property purchase price exceed current market value / valuation of the property , surrounding area etc. Depends on which branch u sent to processing. If can just name me the branch name.

for walkin customer who apply loan through loan officer they will not explain much to u and for it own sake ( branch itself ) they will just push watever that benefits to their own branch first instead of selling the best package to those walk-in customer.

There is always the best to have some guy who doing mobile sales to serve the customer directly.

Agent should know public bank do not hav referral fees for the cases.
And public banker themselves got no commission from the banks too.
100% guarenteed