@s0ts0tdandeliion: Im not sure illegal or legal u asking this question. Basically, if family salaries above RM2000, then the loan will be lesser than full loan. But still depending how many siblings still under parent.
As for me, my both parent as retirees, so i dont have any payslip. I used my sister payslip, which also as my guardian since i used her payslip. I get full loan.
There are 4kind situation from ptptn,
1. full loan
2. half loan
3. 3/4 loan
4. reject

If they think u dont really need full loan they will provide u half and so on.