Factors include income, employment, credit score, debt-to-income ratio, and collateral (if required).
Maintain a good credit score, stable income, reduce debts, and submit all required documents.
Personal loans: 3-7 days, business loans: 5-15 days, home loans: 7-21 days, auto loans: 5-10 days
It helps manage income, savings, investments, and risks for long-term security.
Prioritize high-interest debts, make extra payments, and avoid unnecessary new loans.
