bro fuza,
I'm not a bank manager but i used to worked in a bank. from the statement above, you mentioned that you applied for 150k loan right? i assumed that the int is 3% and you take 9 years loan. so monthly would be $1763.88. for banks to approve any loans, the instalment amount must not exceed 1/3 of your total income. so in your case, 1763.88 x 3 = 5291.66. your monthly is 6k minus your commitment and expenses, it become less than 5k. Maybe i'm wrong, this is just my opinion okay, most probably, the banks put your loan application under KIV, whereas they need a guarantor to support your application or loan application has been rejected due to your high commitment and expenses. But as i said earlier, i am not a bank manager and i advise you to check with the bank directly or the salesman. maybe the salesman is trying to submit to other banks as well. Hopefully you will get your car. Opps, 1 more thing, the banks usually kind of hard to release loans at the end of the year as they have reached their loan quota and loan process are little bit difficult. Hope this help.
cheers!!! - azmi