I want to apply PL .. Below is the details :

Basic Salary : 5.7k
Allowance : 3k -4k
Gross salary : 9k +
Credit card : 4, highest 20k credit limit. Usage around 35k over 70k total. All less than 1 year.
Housing Loan : 2, both of it served more than 5 years. Total RM1k repayment.
Car Loan : RM650

CCRIS checked last month. All cleared. 000000000000 ...

How much I can get? and which bank offer the lowest rate?If possible I need those flexi and not flat rate as I'm waiting for my refinance disbursement then I can settle off the PL. I just need it for downpayment.