Wow I don't think will able to secure any more loan. 3315 of 4000 is like >80% of income. I don't know if there is other loan such as hire purchase but generally will not approved unless, the house provides rental income which your friend will need to submit documents of these additional income

If you are holding citibank credit card... they are offering loan with one time charges of 3% for up to 90% of your credit card limit for a instalment plan of 12 months...