Ang hinahanap nila ngayon AUDITED FS which i told them clearly na wala ako... i submitted a copy of my BANK STATEMENT, ITR, BIR registration, my wife ITR, DTI as co-maker upon application for a car loan. And told me na ok na yun, after a couple of days they called me up, kasi nag haggle pa ako ng interest na babaan because i showed them the interest rate of the other bank and they did, they told me approve na yung 20% add-on interest and after a week pinag down na ako....