First National Bank
WHY NOT LEAVE FNB

After years of being a loyal FNB customer and being a first time home buyer FNB granted me 0% home loan
where Standard bank and ABSA (who I never banked with) offers me 97% home loan
how can FNB just deny an app like that when other banks can grant it to you, I have never missed even any payments with FNB always pay more than my own minimum amount due, and then they say "we are here to help"
Please explain to me what a person must do if they BANK WITH YOU to get a home loan???