Loan declined

The feedback or declining of my personal loan from you this morning was quite a surprise with your plain response that I don't have enough free income to cover the loan.<br> <br> Now I know you are not obliged to grant the loan but can you please explain how a person making R35K net with free income after expenses of R15K cannot afford to cover a R80K loan with a monthly payment of about R3000pm. Please explain to me how I cannot afford it or what your agent captured incorrectly.<br> <br> You guys must seriously consider upskilling your staffs people skills and their ability to communicate in an effective manner what the issue is instead of the vanilla answer of try again in 6 months. Or lets see if I might have captured something wrong.<br> <br> I've been with you for close to two years now, but just as with absa who *****ed me around with no reason maybe it is time to move accounts once more.