Your age determines the amount of loan you can apply for based on the number of working years you have ahead of you

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Individuals who are employed by the government or public sector or by well-established private sector companies have higher eligibility

A minimum work experience of 1 year is expected to ensure your employability status 

A credit score of 700 or above is preferred if you want to qualify for an expected loan amount.

​Your debt-to-income ratio should ideally be under 40% of your net monthly income,