Declined homeloan application

<p>I applined for a homeloan through FNB and they 'provisionally' approved it, pending property valuation.</p> <p>A few days later they came back to me, declining it due to the R14, 000 that I had used on my credit card for my current house maintenance (which was on the market to be sold) they stated that I now had a monthly deficit of R400 which affects my affordability.</p> <p>I wrote in response to that decline, stating that:</p> <p>1. the R14 000 was temporarily for renovations and it will be paid up by the end of the month as that house was due for sale</p> <p>2. they are declining stating a deficit of R400 while I am currently making an overpayment to the same homeloan department of R3, 500</p> <p>But FNB did not bother to respond.</p> <p> </p> <p>Now that one of my houses is sold, I paid R100, 000 into one of my existing homeloan accounts and paid up my credit card, currently with a credit balance of R3000, but Fazila Mohamed is still declining my new application, of a different property , stating that IT IS A DUPLICATE and I must apply 3 months later.</p>