Bank will NEVER reject any loan if they think u can pay. Bank will not approve because they think that u cannot pay after that, they look at the property see if worth loaning to u in case u default it.

I think u better look at your affordability again then decide if u can afford that piece of property. As what Peri Peri said, try to loan 60% if u have the cash.

Then how are u going to explain for my case? I bought a 15 years old condo with no strata title and Developer also Bankrupt. That time i loan 50% and got it approved in 2 weeks.

In addition, i just bought a 3rd properties (at 1.5mil) and bank still want to loan me 85% (given that i that i have paid 95% of the 1st property, 40% of the second property). They some more beg me to accept it.

I am in a little bit confuse. When u want to loan, u basically will walk into any financial counter then the person who entertain u are just basically small kutu.

Whether can loan u or not are all decided by the HQ not any tom d*** and cb sitting at the counter. So from this, how can a person tell u the bank wont loan u straight on the face???