Non sequitor :

Yesterday, I talked to a bank agent, and to my surprise, he says I should be able to get a loan of more than 40% my basic. My credit card credit limit according to him is not important, whereas if I always paid them it will be good for my chances.

If this is how local banks do business, I'm not sure whether to be happy or sad.

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This is how I see it.  While having a good repayment history is a plus for my loan approval.  I believe that the credit limit will be a bigger factor;  because with a blink of an eye, I could be in debts of 5~ 10K. And it's the norm that people are killed by credit card debts.

It's either the local banks are too lax in their lending, or the agent is too keen to get me to sign up, as that's how he gets his commission.