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Whatever be your salary range, if your FOIR is higher, it would be a good idea to either: lower your existing EMIs with a balance transfer loan or find additional source of income to lower your FOIR. This will increase the chances of your Insta Loan application, should you ever want to avail it in quick quid loan rates if the need be.
Job Stability Employer: Salaried Employees of top-notch companies and MNCs have a secure and stable future and hence employment.
In contrast to this, small and medium companies, proprietorship and start-ups do not have a secure future and there is always a risk involved that these can shut-down anytime, jeopardizing their employees financial future. Any lender will always prefer an employee of a MNC over an employee employed with a start-up.
Also the employees of top companies get additional relaxation in the rack interest rates of any loan.
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