To clarify;

[1] The amount that you applied, is it more than 3O% of your salary ?
[2] You have settled all your loans, i.e in the CCRIS, there is no outstanding loans anymore?

Each bank differs when it comes to giving out loans.

I am of the opinion that the amount you requested is more than twhat the bank deemed fit.
Usually the loan given is less than 3O% of your salary,
especially in light of the Bank Negara's ruling to tighten the requirement in giving loans.

That, and the fact that you have a blemished record of '2', for missing out on your payment.
As the record shows the past 12months of repayment, I guess you may want to re-apply
in Sep'14, being 12months after the last blemished records.

Again, each bank differs, so am not sure whether only CCRIS record is taken into account,
or both CCRIS and CTOS records.

Usually, Bank Islam, Ambank, Standard Chartered and HSBC are notoriously tough to get personal loan from.

perhaps you may want to try RHB Easy and/or OCBC for better chance.

If not more than 30% of my salary , what if i apply pl around 5k-6k ? the chances will more high to get approved ?
Since i have no choice but to wait until Sep or Oct 14 but i afraid bank will rejected again .