Apply For Personal Loan

This is my first intended to apply for personal loan. Does anyone experenced in applying personal loan for bank and help me reply some queries in the following:
My current situation:
[1] Total current card loan: $270k (7 credit cards)
[2] Permanent job with stable monthly salary $21k through autopay
[3] 10 yrs working experience in construction field & working over 1 year at current company
[4] Without bad debt record & every month min. payment on time but only less than 5 times late settlement (only within 1 to 2 days daley)
[5] Over ten credit cards in hand and the sum up all credit limit over $400k (I believe it may be a factor to restrict my personal loan amount)
[6] No car, no apartment and never mortage before
[7] Less family burden. As I counted, I can take 6k to 8k with 36 months to settle the borrowed personal loan.

Question:
[1] I understand that the desired loan amount would not be fully approved as I want. So, if I intend to apply personal loan for 150k to 200k at DBS, in general case, am I sucessfully get approved? If not, what amount I can loan in my situation?
[2] If I want to one-take to get approved at BANK sucessfully, which bank would not be so conservative to release loan for me? Please list the degree of conservatives for the bank -Hang Seng, DBS, Mevas, Dai Sing and Wing Hung? Or Any other bank suggest for me?
[3] Any guarantor(保證人) required if I loan this great amount? If I do not have this person, any other way to me?
[4] At last, does anybody think any other better ways to resolve my problem?

Thanks a lot!