FNB HOME LOANS

FNB Homeloans- My name is Mr. Patrick Mbatha Id no: ***. I have once app**** for FNB home loan which was declined. I am currently paying all my debts combined to the amount of R6097,12 which reflects on my statement. My rent R4500.00 which also reflects on my statement. My rent has increased to R4800.00. This rent will fall away if I get a home loan and this amount will then be directed towards my home loan monthly installment. I bank with FNB and get paid through FNB. 1. My credit profile is covered through the combined installment which reflects as Resam . 2 . My affordability through my rent which FNB can trace via my statements. This is why I am unhappy. Everytime I am told to use an app which really doesn't afford me an opportunity to outline all of this . Truly unhappy. I should already in my third if not 4th year paying for my home. I'm not looking for anything fancy but just a warm home.