Dont think he can get another car loan approved. Under the bnm policy, he had bought the 1st car during the new guidelines dun think he would the loan approve.
Old policy is 30 percent of gross income, for house and/or car. Some banks do not look at other loans.
New policy is 40 percent of Net income from gov staff. Private bank got some leway but 45-50percent max.

But this loan within Net income minus epf, tax, is including all car,house and credit card and personal loan.

I think many sangkut because of the personal loan and cc..