Declined re advance home loan - ********* behaviour

FNB ********* business

I app**** for a readvance home loan for R 100000.00.I was declined due to affordability.The following day I received a pre approved loan of a R 103 000.00 with an interest rate of 15 %.I debated on the what to do.I decided I was going to test FNB.With-in 10 minutes from start of applying to finishing the loan application the money was in my account.I have spoken to my personal banker and, advised I wanted the the personal loan reversed as I did not want it,and that he needed to tell home loan to approve my re advance. My question is how can you decline a re advance due to affordability and approve a loan.You deliberately getting your clients into unnecessary debt.YOur urgent feedback will be appreciated.