Wah 10k ? Chop carrot la. Use my lawyer la way cheaper

Should be around 10k including snp

well this is where the mortgage consultant advise you something else, if smell something fishy just let us know

I agree with you on this.

Actually I have never managed my finances in order to build a CCRIS.

I have lots of CC to get some cash back, its a hobby of mine, averaging around 2k cash back annually, now with the house purchase, I intend to use CC for my 10% DP, so looks like I will double my CB to 4k. 

Also, I think I have some case with Celcom about 15 years back, hence until now I'm blacklisted by the telco and cannot get a post paid plan under my name... lucky for me I never had to have my own line, all under company.

All my other loans, car/house etc, all usually settled early, so like you said if the officer abit hardworkign and do some digging, they can see this clearly, so those lazy ones miss the business.

hi guys.. sorry its me again with more questions
Since I applied loans from few banks, my first banker called and ask for appointment to sign the offer letter. I still have few banks pending the results. How should I go about this situation?
Can I ask for the loan offer letter to review through (1-2days at home) before I sign? Please advice. Thanks.