Yes, that particular DSR limit of 85% for net income of RM3000 to RM10,000 is for Hong Leong.

1. And yes, Hong Loeng does accept bonus income. However, with Hong Leong, they would like to see you 2 year EA forms (2012 and 2013 for now, since 2014 is probably not out yet for most people) to consider the bonus income. And they have all the right to accept or reject the bonus income.

2. OCBC accepts bonus income too, to verify simply show your payslip with the bonus income as well as the reflected bank statement to support it.

1. Rental agreement is split, since the unit is also a joint-unit

2. Spouse B is more leveraged, especially due to the RM2000/m mortgage and the credit card balance/transfer.

3. As mentioned above, your next unit can only get 70% margin. Are you staying in it? Are you planning to sell it off and buy a new one as an upgrade?

While it is generally true, it depends on the situation

1. Usually people who do not have debts are fresh, young graduates. Without any (banking/financial-institution) debts it is impossible for the banks that you are applying for to gauge your repayment history/ability.

2. However, ZERO debt is not as bad as having bad debts OR defaults in your CCRIS, so you are still in good position here

3. If you are a freshie, you can try to apply for an ASB loan (if you are a bumiputra), a PL, and finally a CC in that order of the chances of approval. ASB loans are easier because it has an asset backing the loan (the ASB units themselves), followed by PL, which a term loan with fixed repayment schedule, and a CC which is a clean loan with no repayment schedules.

4. If you are a recent graduate with a degree, I can help with getting 90% as long as you can furnish your certificate - you can help get 90% loan this way

5. It is also possible for you to show your assets in the form of UT/ASB, cash, etc. Banks will allow you to get 90% if you can pledge your cash equivalent to 10% of the property value in their FD for 1 to 3 years. You can still earn interests with this

6. Finally, if you have been paying your PTPTN, you can furnish your loan statement to show your repayment discipline.
When it comes to a debt-free person, the rules are not black-and-white - there is no such thing as a "not a good sign" so to speak, because loan repayment history is not the only way to measure a person's credit worthiness. Different banks have different SOP when handling this matter, including considering the employment and future career of the customer (especially for professionals like doctors and accountants). The customer can also furnish his assets like fully-paid properties to show that he is a high-net-worth individual who didn't need to leverage.

You should know this by now if you had done enough cases, but being an insurance agent I understand where your focus lies.