Fnb poor offers to private wealth clients!

You get pre qualify loans on your app! How can you qualify for a 300k loan and after you buy a car it goes down to 100k which I can understand and when you settle your car of 1.2mil you get a 124k loan offer? I have no loan or creditcard with fnb but if I would choose to take a loan it will def not be with fnb! I don't even have a creditcard or any facility with fnb and you get such poor offers! Sure other banks will gladly give private wealth clients better offers!