I need some expert advice as I'm in big trouble now. Best if some house loan officer or manger here to advice.

I have a RHB loan restructured in 2011. When restructured, they did not tell me that my record will be going into CTOS (sorry cause that time I really don't know anything bout banking knowledge). In Dec 2014 I found a house and start my purchase process and the Loan application get rejected by HSBC because of the restructured issue. and then agent help me to apply for RHB bank and the bank verbally told me the loan is approved by 85% and offer letter bit delay because some of my CTOS issue. After I settle my CTOS issue，they advice that I can sign my SPA with lawyer and I will get the loan offer letter soon.

I signed SPA on 17 Feb, then RHB officer said they need to review my house loan under new BL again then said my loan is rejected on 26th Feb due to my RHB restructured issue.

So now I'm in big trouble as SPA signed but loan is stuck there. I'm currently try my luck again with Maybank loan. But any expert out there can advice on this? Any bank might have some chance for me to get the house loan?

The new house is RM500k and I have a house loan with Alliance bank now (RM758.00 per mth), which is joined name with my sister and will do the early settle in Apr 2015 (RM110k) as my mother sold her Kuantan house. My current salary is around RM6500.