I got Letter of Offer from Standard Chartered b4, but I didnt take it coz the salesperson attitute is unprofessional (Even the loan package is very good  [ BLR -2.3] non moving cost ). My experience was I need to chase the salesperson with my loan approval status.  . They should call me and not I call them. I submitted the application for more than a week, then only know the approval status. I applied Public Bank and the gal is very helpful and finally i took Public Bank loan.