Ways to Increase Your Personal Loan Eligibility
March 15, 2021A number of factors are taken into account before a loan is approved by a lender. Banks very often look into the sector that you are employed in, your income, credit score, existing loan, age group. These information help the lender access the repayment capacity of the borrowers.
Therefore, you can easily conclude that an applicant with a high credit score will be preferred over others. Lenders also prefer extending loans to employees of stable and well-known companies.
But to avoid facing rejection on your loan application, these are few steps that can be taken to increase your personal loan eligibility.
Clear Existing Dues
A lender did not consider an ongoing loan which is due to end in six month. But now even an equated monthly instalment (EMI) is looked into when an application is considered.
A parameter known as fixed obligation to income ratio (FOIR) is taken into account by lenders. Under this, an applicant’s fixed obligations such as an ongoing EMI is looked into to determine eligibility.
So if you have a few EMIs due to be paid you may want to repay them before applying for a new loan.
Check Credit Report
Public sector banks usually prefer lending to individuals with a credit score of 700 or higher. The comparable number for private banks is even higher. So keeping track of your credit score might be a good idea.
Personal loan eligibility also depends on your credit utilization. The way it is determined is this: For instance, you have a credit card with a Rs. 1 Lakh limit on monthly spend but your average spend is Rs. 40,000. In this case, your credit utilization is 40%.
However, if you have two cards with limits of Rs. 75,000 each, and you spend Rs. 40,000 monthly, your utilization is 27%. The lower your credit utilization the lower the risk and hence higher your personal loan eligibility.
Most lenders are comfortable with a credit utilization of close to 30%.
You must also know that your credit score can also fall if you seek a loan with a number of lenders at a time and especially if you have a short credit history.
Take a joint loan
In case you are seeking a home loan, one way to boost your chances of getting it is by applying for a joint loan. Some banks allow relatives such as father, mother, son, or daughter as co-applicant if they are working. A co-applicant could boost your loan eligibility.
Lender that is offering a step-up loan
Under this scheme, a bank offers a loan at a lower EMI, to begin with. Gradually as you begin to repay the loan, the EMI is increased. This works especially well for younger borrowers who steadily find their income moving higher and are able to pay a higher EMI later on.
However, it must be noted that the interest outgo in a step-up loan is higher than in a loan with a fixed EMI. Therefore you should use a step-up EMI only if you are sure of better earnings potential in the future.
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Aadhaar card loan
Having an Aadhar Card makes getting a personal loan a lot easier as Aadhaar Card gives you easy access to several financial services. The Aadhaar card loan applicants are asked to provide Know Your Customer (KYC) documents and Aadhaar Card is among the most concrete proof of your citizenship and identity. If you are looking to avail of a loan using an Aadhaar card you need not look further than Finserv MARKET where you can get instant approval on the basis of e-KYC.
Personal loan
Be it a trip to your dream destination, a wedding function or renovating your home, you can get an unsecured loan by applying for a personal loan. At Finserv MARKETS you can avail a personal loan of 10% p.a. Onwards. The processing fee is as low as 0.5% to 2.50% of the personal loan amount.
Therefore, personal loan eligibility can be boosted if you take certain measures to discipline the way you manage your finances. Monitoring your CIBIL score may hugely improve your loan repayment capability and hence your personal loan eligibility.
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Understanding COSC Validation and Its Importance in Watchmaking
COSC Accreditation and its Stringent Standards
Controle Officiel Suisse des Chronometres, or the Official Swiss Chronometer Testing Agency, is the official Swiss testing agency that certifies the precision and precision of wristwatches. COSC validation is a symbol of quality craftsmanship and trustworthiness in timekeeping. Not all watch brands follow COSC certification, such as Hublot, which instead follows to its proprietary strict criteria with mechanisms like the UNICO calibre, attaining similar accuracy.
The Art of Precision Chronometry
The central mechanism of a mechanized watch involves the mainspring, which provides energy as it unwinds. This mechanism, however, can be vulnerable to environmental factors that may impact its accuracy. COSC-accredited movements undergo rigorous testing—over fifteen days in various circumstances (5 positions, 3 temperatures)—to ensure their durability and reliability. The tests evaluate:
Typical daily rate precision between -4 and +6 seconds.
Mean variation, peak variation rates, and effects of temperature variations.
Why COSC Accreditation Is Important
For timepiece aficionados and collectors, a COSC-validated watch isn’t just a piece of tech but a testament to enduring excellence and accuracy. It symbolizes a watch that:
Presents excellent dependability and precision.
Provides confidence of quality across the whole construction of the watch.
Is likely to retain its worth more efficiently, making it a wise investment.
Popular Timepiece Brands
Several famous brands prioritize COSC validation for their watches, including Rolex, Omega, Breitling, and Longines, among others. Longines, for instance, provides collections like the Archive and Soul, which highlight COSC-certified mechanisms equipped with advanced substances like silicon equilibrium suspensions to improve durability and efficiency.
Historic Context and the Development of Chronometers
The notion of the chronometer originates back to the requirement for exact chronometry for navigational at sea, emphasized by John Harrison’s work in the eighteenth century. Since the official foundation of Controle Officiel Suisse des Chronometres in 1973, the validation has become a benchmark for judging the precision of high-end timepieces, sustaining a tradition of superiority in watchmaking.
Conclusion
Owning a COSC-accredited watch is more than an visual choice; it’s a commitment to excellence and precision. For those appreciating precision above all, the COSC accreditation provides peacefulness of thoughts, ensuring that each certified timepiece will operate dependably under various conditions. Whether for personal contentment or as an investment, COSC-certified timepieces distinguish themselves in the world of horology, carrying on a tradition of meticulous timekeeping.
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