| Credit Score |
750+ |
650–749 |
Below 650 |
| Income Stability & DTI |
Stable income, DTI < 30% |
Moderate stability, DTI 30–45% |
Unstable income, DTI > 45% |
| Employment Type & History |
Salaried (3+ years) / Self-employed (3+ years profit) |
Salaried (1–3 years) / Self-employed (positive trend) |
Frequent job changes / Unstable business |
| Loan-to-Value Ratio (LTV) |
≤ 70% (Higher down payment) |
70–85% |
> 85% (Lower down payment) |
| Past Loan Repayment |
No defaults, regular EMI payments |
Minor delays, no major defaults |
Frequent EMI defaults or settlements |