Switch loan

They advertise to help people to get better interest rates ans a cash out. They actually look for reasons NOT to give you a loan. Must wait for the managers' reaponce. Really.... you work with a person (very kind) who do a quick check. Takes 5 days. Then she says yes. After 5 say they Then give it to the next department. Wait another 5 days. They say no. Then refer to the manager. Wait another 5 days. He say no. We earn R60 000 together. They say they only get R500 surplus. How do they do calculations......