QUOTE(cutealex @ Jan 13 2010, 08:29 AM)
Go to try apply other bank, heard that CTOS only update twice per year. wont so update...unless your 1st loan application more than/exceed 6 mths..
It is not CTOS which the bank relies on to trace one's commitment.It is CCRIS. Whereby it shows all facility threads. From all this lines, they would know ho wmuch you owe for cards, hire purchase, mortgage, OD etc...
From this balances and lines, they would calculate your commitment to compare against your salary to see whether or not you qualify.
Jan 13 2010, 11:42 AM
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