1. Sole applicant no NCB : Reject
2. Joint applicant :
2.1 All applicants no NCB : Reject
2.2 Some applicant has normal NCB / other has no NCB (and still need income) : Reject or Approve with exception SE10 (Need to refer with VP before reject)
2.3 Some applicant has normal NCB / other has no NCB (but doesn’t recognize income) : Treat as normal approval