installment Rp 4.44 million/month, dsr 0.37
decision: REJECT (27 similar past cases, 15% approved)
because:
   dsr = 0.3702 > 0.3322
   dsr = 0.3702 > 0.3494
   income = 12 > 10.2
no smaller amount over the same tenor would pass
no longer tenor (up to 60 months) would pass
