Last time kenal a type-M contractor, thanks to bumi privilege, he dapat many small scale majlis job.

But toward his latter years, he specialized in helping civil servant tipu Govt loan. 30k job, he manipulate the numbers to help them get 50-60k loan, his fee RM2-5k on the excess part, while also profit from the reno works.

From here u can tell how many M'sian sanggup pay to get loan.