Ever wondered why two people with the same salary get completely different loan results?Here’s the not-so-secret number behind it all – your income-to-expense ratio. This simple percentage decides whether a lender trusts your repayment capacity or quietly moves your file to the “maybe later” pile. Let’s decode it – with real numbers, expert insights, and

Every repayment delay tells a story – and the smart lender reads it before the due date arrives.From fluctuating cash inflows to silent shifts in spending, repayment delay rarely happens overnight. It builds quietly, hidden inside a borrower’s day-to-day money behavior. So, how do lenders catch those signals early? Let’s break down the three key

When you apply for a loan, the bank doesn’t just glance at your salary slip – it studies your entire money behaviour. Your cash inflows and outflows tell lenders everything they need to know about how you handle money. It’s not about how much you earn; it’s about how wisely you manage it. Let’s decode

Ever checked your bank statement and thought, “I earn well – so why did my loan get rejected?”Often, the answer hides in your income ratio – that quiet percentage which tells lenders how stretched your finances really are. Let’s unpack what an unhealthy income ratio means, how it appears in your bank statement, and how