Your 2nd post, looks to me, has diverted so much from your 1st post that it is a complete u-turn.

I mentioned 'insider' and you said indeed it was what an 'insider' said to your property agent.

Now you bring in an uncle working in bank negara.

Even if I accept what you said and not be sceptical that the agent and uncle were created out of thin air, the point still remains that you made a bold statement and challenges others to dispute or support the bold statement that banks are racist and approves housing loans based on skin color.

You were not asking whether what you heard from the 'agent' was true or not.

You have already concluded that the banks are racists, and when challenged on your conclusion and the point that you have a bias mentality based on skin color in arriving at that opinion that the banks are racists, you were trying to defend yourself that it was what the agent said.

Another person would question first that he heard from a friend or anyone before making such a bias opinion.

But you choose to share and post the opinion and said this is what you heard from someone. Obviously, you are racially bias and immature.

"I only knew about basic profiling thing, however still nobody can justify whether it is true or false."

Enough la with your spins... you go research on your own what this 'basic profiling thing' you're talking about. It was 'Profiling' and then 'Profiling Risk Database'.

I think u not from this research field, they use the same method to analyse the reseach data, there is a thing call p value. So the analyse data show that race is an important factor and it is true from what they said. The result is there for a reason. Ppl are businessman, making money from social. They not gonna cheat on yhis

May I know what is meant by "P value"? Mind sharing?

The significance of the processed data, the end result of the hypothesis.

https://www.google.com/search?ie=UTF-8&clie...+square+p+value

Hmm that sounds like a salary issue since all's well when you add your wife in?

If banks based on race and race alone then yeah that's racist.

More like BS, bank don't work that way

1. Credit
2. Meeting bank requirement

If not then try another bank.

Every bank have their own criteria apart from DSR

unfounded accusation based on personal opinion. what i understand from bank working is totally different.

maybe u should try other bank.. say HLBB also good now a days

Depend on sales person la..
Kalau rajin buat karangan senang la lulus

Look at the bank's point of view if you are the banker.

Lol. Funniest tered i read today.

Which bank doesnt want to earn money from interest. Clearly they will need to analyze their risk as well while doing so.

Bank will approve as long as it meets their criteria ie DSR, Disposable Income, Existing Savings, Good Track Record...

If can approve 100 cases in hand, why not ? It is more efficient and easier than reject 90, approve 10 then go looking for another 90 cases to approve.

How to know "that kind of bank"?

You have the point.

It's logical and makes sense. It's all about probability

I guess you went through bad experience in one of local banks then.

FYI, i have perfect credit card payment track record.

i pay 100% according to statement amount, monthly without fail.

and then? any of your loan approve or how?

I’ve no idea whether banks are racist or not. But I always wonder the race column in all their forms. Assuming I’m applying for a CC or PL where there isn’t a bumi discount.

Do they use that for statistics? End of the year PowerPoint to show how much Chinese has borrowed? Malay and Indian. How many did not pay back or took longer? Then that’s racism of some kind for sure. Subtle one.

Point is, they must be using that data for something.

why is it so scary? sorry, you acted like you just came out from a cave. this process is normal. every bank will rate you when apply for loan.