Hi All ,

I have been under AKPK Program for more than 2 years now. AKPK was my last chance to restructuring my finance after all other avenue fails. (Balance Transfer , PL , etc2).

What I can say that AKPK work fine for me and I have had a good night sleep for the last 2 years.

Now , I had one enquiry to those in the knowledge here.

Before AKPK we had a small car . Now with the additional family member coming , we need a bigger ones. Not new one , just the second hand MPV within 40 to 60K.

From what I understand , it is up to the Bank to approve or reject my car loan . The most I would lost is the processing fees. Before going into this direction , I would like to hear other opinions and experience on this.

If my wife apply the loan instead and use me as guarantor (since she is not working). Will the application also be denied?.

Thanks all for any advice on the above.