Hi, you could ask your question here in detail and I will answer them point-to-point so everyone reading our exchange could benefit, or you could give me a call or send me a text and Ill explain to you privately.

1. It's normal practice for CIMB to ask for your savings account, and they will scrutinize it for whatever reasons they have. That's their way or looking into their customers' loan worthiness. But let it be known that this is not the practice of other banks. For example, OCBC, Ambank, and Alliance would not need to look at your savings/current account unless for some reason something is amiss.

I have had one client whose application to XXXX bank was rejected due to his wife (not an applicant) current account with the XXXX bank not meeting their criteria. I still cannot fathom why this XXXX bank needs to care about the applicant's wife's CA/SA account well-being.
 
2. Well what to do to get it approved? I don't know, best answer should come from the CIMB officer himself, but alternatively I would say to let me help you with the application to the other banks as I am empanneled to about 6 other banks.

3. Is this a sub-sale or a developer-new-house? Because there is no reason that you need to stick with CIMB

I personally prefer the Chinese banks of Public Bank and Hong Leong. Ive had bad experiences with CIMB and (like usual) MBB.

But then again pretty much every service quality is tied to the type of branch that you go to. If you go to the branch where the manager really cares about their customers, then good for you.

My favourite PB branch is the one in Subang Jaya SS15. Hong Leong: Kota Damansara.

Having said all that, the best services Ive gotten are from OCBC Branches...maybe because there isnt too many people there? Haha

do note that different banks have different clauses in their loan agreements, such as redrawal, principle payment amounts, lock-in, default rates, etc. these are important things to consider.

in terms of service, i gotta agree with wcm. totaly depends on the branch