Hard to Get A Car Loan Nowadays

Today, me and my girlfriend faced a really ugly fucking truth. Let me put the statement that the bank officer told us.

"Your part of the loan has been approved, but you need a guarantor because the one you nominated has a lot of commitments."

What the hell is that supposed to mean? If the loan was approved, what is it for do we need a guarantor? They even can't get their facts right. The bank said, graduates that have a diploma can loan a car without a guarantor, but now it's a totally different story.

My girl just started working, for about 3 months. In her offer letter, it was stated that after probation, she will be given an executive position in the company, and to add a fact up, the company is a government-linked company (GLC). Therefore, she is confirmed to work there for a long time.

Ok, let setup a situational question that might the bank officer ask.

"What if she will not be offered the job there due to lack of performance?"
Answer: In every organization, people that doesn't perform will be warned, at least 3 times before they got fired. This including the government sector! Even a high-ranking officer can get fired if they don't perform well in their work.

"The salary is barely enough to pay the car installment.."
Answer: This depends on how the person manage their financial.

"You need a guarantor.."
Answer: Based on all the facts I gave you, you are still not confident that I can pay the installment? How about the government servant that earned only RM800++, but still can buy a new car without any guarantor?

People are already reluctant to buy new cars because they get very fucking unattractive prices for their used cars, now they face another one, on getting a loan to buy a car to replace their traded-in used car. In my girl's case, to buy a new car without any debts recorded into the CCRIS or CTOS?

The bank is so unfair these days. The answer they usually gave us, it is the policy and we can't do anything about that. I am really pissed off right now.

p/s: Bank Islam is the largest Islamic Bank in Malaysia and they claimed to run their operation based on Islamic Financial System. Islamic finance that is really non-Islamic.