Hurm..this year will be a tough one for bank side..interest rate expected will be lower this year..there will be 'war' among the bank to offer the best rate in the market to attract the customer to apply for their product..and new guidelines from bank negara also made the situation worst..after this all loan application will be screening not even the customer have enough money to pay back the loan..the bank also need to confirm the customer have enough money to survive after pay the loan using DSR formula..it's good way to avoid people from suffering to pay loan but dont have enough money to survive..but in other way,the rejected rate of application of loan especially loan without collateral like pl also expected to be high..