Most banks have referral program that will reward with either cash or shopping vouchers. Amount not as much as 0.15% commission, usually a few hundred depending on loan amount, but still better than nothing. You can approach relatives, friends or colleagues who are customers of the bank you're planning to loan from for their referral. At most offer to spilt 50-50 so its a win-win situation. I tried asking the bank officer doing my loan for my referral fee, she refused. So i went to ask a friend to refer me and got some shopping vouchers