applying mortgage on 4 four banks, only one responded, i want to cry 

Said the same thing to TS few years ago.
Nay sayer always say drop, but .... hahaha
You call ask why fail. Then prove that you can afford to pay.
Youi not qualified. You apply for Pr1ma,

using runner for application,malas nak tanya which bank branches he submit the application , but oh well,  im only purchase those property if only bank are willing to take risk lol. I know that the bank nearly reaching their loan-to-deposit ratio limit, so they will not give loan suka2 hati.

so for now, im committed to proceed with the only bank responded lol, hopefully that the loan process goes well, so far so good, dsr ratio is good, ccris records is good