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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. Another important factor considered is job stability.
It becomes for any lender to gauge an applicants eligibility if they have a stable and continuous career. This helps lender to analyze the financial condition of the applicant and their repayment capability. In contrast to this an applicant with multiple job changes and employment gaps cannot be secured personal loan compare with any loan, as their income is neither stable nor guaranteed.
In such a condition it is tough to decide whether such applicants would be regular with their repayments or not. Hence a natural inclination of any lender would be to decline the application from such applicants.
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