HP Loan is wat? im kinda suck with short form thingy. My company contribute 13% of EPF and mine is 11% .I pay insurance and PTPN oso.Don't bank check this record?

Sumore, I don't need car since my license still L.Who wanna drive the car if I go buy it,plus my company just nearby my house...waste money.For credit card,I don't have any car,so if I apply this cc..what I will use it for.If I wanna buy a laptop or a hp,I just pay it cash.So..in the end..waste money oso 'cos not use the CC.For home loan,my father oredi gave one house at Seri Kembangan for me,so..currently I don't need any home loan oso. So,I just try to take personal loan but seems I consider the person who not eligible to be given a loan