leh cover c/c outstanding dan personal ngan bank lain, as long as commitment tak koyak.. stp bank ada calculation sendiri utk kira commitment . after loan approved, ada 60 days cooling period, kalo tak sign offer letter within mase nie, automatic loan canceled , within the 60 days period leh wat interest rate reduction, Kalo approve 100k ke atas, diaorang bg match ngan OCBC rate 7.2% ( OCBC offer 7.2% utk customer gaji rm15k > je) .