you can borrow up to 75% of gross income actually.

To reiterate, 1/3 of your salary is used for your loan application because its assumed that you will have loans with other banks. Otherwise its 3/4 outright. If your CCRIS score is satisfactory, the risk levels you are in whether you are approved or rejected is solely determined by your length of employment in one company. For example a 5k a month applicant will be considered high risk and may be rejected if he changed job every year vs a 2k a month applicant if he has been in the same company for 2 years or more.

And, to calculate in this manner is wrong. You have forgotten one major thing. Taxes. In other words, whether you are a RM2k/mth, RM5k/mth, or even up RM40k/mth, it will all ends up the same unless you evade tax but that means you can forget about getting big loans.