Hello Everybody! Just want to ask / share any opinions regarding this matter. You may have colleagues, friends / family members who are undergoing the same issue. I am one of the expat resident who had experienced the same and the situation changed our normal way of living. I was one of those unluckily being retrenched by our company. I've been out of job for the past two months. I was honestly reporting it to the bank because I had a loan with them, But they are not very understanding of the situation. The Bank representative tell me to provide a guarantor / pay the whole loan amount as soon as possible. If not they will file a case against you and they did! Such a very inhumane actions!