Home loan

<p>I have app**** for a joint home loan however have been declined. A year ago I app**** for a home loan for 3 times the amount and did not have any problems so why is FNB giving us such a difficult time in approving a bond for quarter the amount? I understand that the credit law has change since then however this is not exceptable. For 1 month no salary was deposited into my husbands account FNB cannot confirm income and decline my request. His salary has been credited into the account for the past 16 years, so we get penalised for 1 month? As a staff member fell disappointed and let down.</p>