Pt YJ.PhD-1086 P 145 DANGER of taking loan putting property as guarantee. I already DO NOT TRUST the SBM, SICOM, NIC and there is the very strange persistence 'to put money in SBM’, that I do not want to and the DANGER could be that I put my salary at SBM, and take a loan SBM-SICOM-NIC as insurance, and they cannot resist the temptation same as 2011,2014 by a mysterious way I am kicked out of job or condemned and Cannot repay my home loan and get RUINED.lose home, property put as guarantee. Same as that Tamil man who got ruined due to gambling betting horse. This will not happen. I continue to AVOID SBM-SICOM... I am not a nominee like their petit copain, copine [section 5 (a) to (h) ]