不好意思,我現在暫時無法回复你的短消息。annual income 必須要36k以上, 或者你符合以下條件: fresh graduate just start working Basic Salary RM 2500 & above with degree cert No anything in bank like : no credit card from any other bank No car loan / no housing loan Or loan less than 6 months 1 of your utility bill which state your name and house address (hp bill, insurance etc) ...