installment Rp 2.82 million/month, dsr 0.35
decision: REJECT (215 similar past cases, 2% approved)
because:
   dsr = 0.3531 > 0.3322
   dsr = 0.3531 > 0.3494
   income = 8 <= 10.2
would pass with an amount of Rp 55 million over 24 months
would pass with the same amount over 36 months
