Trust me it is not that easy for everyone to find a guarantor who has account in the same bank. I know one friend his salary account is in Bank A but loan from Bank B. Now the irony is, all his collegues and friends have accounts in Bank A. If he was aware of the rule, he could have prepared for it but thats the problem sometimes you miss out on these news, Any one knows when this was published in the any of the english newspaper.