I can help:

1. So you will want to do joint-loan

2. So you have no other loans at all? Zero? What about a credit card?

A credit card is good

1. You see, theproblem is when those without a single record in CCRIS, they try to apply for a loan and when the bank looks at their CCRIS, they can judge if the applicant is a good paymaster or not.

2. Having a credit card is a good thing.

3. Call me if you need me to process you loans, or ask away if you need to know anything else.

1. Good, then your CCRIS record is splendid

2. DO share, your net income, that is your income plus fixed allowances, minus your EPF, TAX, and SOCSO (or the Singaporean equivalent)

3. Then I will come up with an illustration as to how much you can apply for.