I think Bearbear don't know that sales team have no say whther the loan can approve anot..

Assume Bearbear don't know what is check n balance 

In border line may be bank can close one eye let the loan pass but let say u earn 2k or your account is kosong 1 wanna get 500k loan is a big no..

Bearbear let me teach u, those take undertable 1 usually is a freelance mortgage agent, u pay him to do a nice account for u...they even can create a fake working indentiity for u ( usually in sales line so that no need tele with epf statement) and staff to support...they have a pay slip, income statement and staff to answer the phone if bank call and do the vetting.

This all so call freelance mortage agent actually is not banker, they just someone who help u fake the document.

So please don't talk until bank so corrup, just certain people try to con bank on giving out loan...

Those who pass case to bank no say whther loan can approve anot..bank have they own check n balance system..

u have too little exposure and simply believe what people said...

Bearbear look like know many thing but actually he know nothing....

He is too easy to cheat n  fool  if he start doing business now

When i applied my loan last year, the bank even call my HR to confirm my employment and salary. Bear bear never apply loan and asking for more documents to support my income.  He think apply loan is same as apply CC.

I need to have my lovely dinner, but for you, so how has the safeguards of bank acted? any under table transaction being approved?

Lu qi 9 sin. Flipper earn the 200k with legal documents and pay tax. You flip the mileage and rental any documents? Doubt you pay any tax on that.

Everything from Bearbear is from he heard from my others people say and he never experience himself...

Those talk no difference with pasar uncle auntie talk ...

I wonder those give him this type of info so call professional also never experience apply for loan before or just simply blow water...
Bearbear accusation is very serious to banker reputation and will mislead people think that everything can kau Tim with money...

First he look down agent , he look down Blue collar, he look down banker   

He met with some tai lan kong banker now believe can get loan from bank easily. But sometimes he will post bank reject case on the rise. Not sure where he stand.

When i applied my loan last year, the bank even call my HR to confirm my employment and salary. Bear bear never apply loan and asking for more documents to support my income.  He think apply loan is same as apply CC.

oh ya you talked about morality in daily practice, which amaze me, when your flip ur property with extra 200k above, got speak about morality?

i think you should be the one start , such as do not ask discounts from lawfirm, coz that is not just immoral, but also illegal, but as usual one has split personality will be keyboard and speech nonesense but in reality first one to ask discounts

"You give so low discount? I change firm?

keep a look on the disburse units/slots, a lot of unused telephone bills, xerox, petrol claims and etc on your S &P bills, even they are not used, they will still charge you, despite moral or not... you indulge in giving so right after ask for 40% legal fees haven't you>?

all are fake claims, but you pay too.. very well

U probably met those ppl telling u "everything" also can.....  
All they wants is only your application..... After your submission, in between then they'll tell u this cannot, that cannot, they need this, they need that, this hav change, that hav change and etc.........     

Wah u guys

Few hrs can add up 90 posts.

Any1 can help to summarize???

Gua boh eng go thru ethg le.

Huh ????? Bbw got other income which did not declare to income tax? He already commited an offense which may carries jail sentence for lari cukai. Not sure his lawyer friend got tell him or not???

Wah u guys

Few hrs can add up 90 posts.

Any1 can help to summarize???

Gua boh eng go thru ethg le.

laTUK, lim kopi dulu. Let me summarize:
Woooiii!! Bear bear, yakSi la.
Ok done.

Bear bear said banker can be easily bride to get loan. As easy as his boss approve his inflated mileage.

Oh Okok. No surprise tat v learn til the last day of our live.

Bro bear, pls wake up la. Lai Lai Lai v go gai gai.

I'm 100% sure bear bear won't buy any next year

Bear2 will buy, but not willingly. Nak kshwin & piap piap ma, choice to pay inflated price lor!