Just go the muflis page at fb.
You will be suprised by how they manage their finance.
BPNL, cars, personal loans, credit cards and housing loans. All in one.
And most of them is goverment servant. Some earning 5k a month but servicing 4k debts monthly. I even saw a guy post there proudly he purposely don't pay his PL for 7 years. Now bank can't do shit about it.
God knows how they manage to do it.

This one last time very much people do. Now ,sorry won't work as banks all link system and can see your payment and debt ratio.
Business loan ,bank will see your company performance,if they feel you cannot cover 😅,they will cut your credit score and recall loan ,make loan terms shorter with higher interest etc etc .
Sometimes they also see husband financial status.

My friends recently applied for corporate loan ,apply 200k but you know how much bank approved ?  Rm15k shja.

Of course got 3th party help you build up your credit score by issues you salary and also pay epf(their abc shell company). But I heard is not cheap , as they will take 20-30% cut from the loan approved.