Nothing here is gated. If you read all of it and then arrange your loan directly with a bank, that is a good outcome.
The reasons we see most often, in the order we see them — and which ones are fixable before you apply.
ITR, computation and banking are read together. Where they disagree, the lower figure usually governs.
The headline rate difference is not the saving. Here is the break-even calculation that is.
Both are secured against real estate, and the paperwork looks similar. What actually decides which one fits is what you're trying to do.
Everything we know about preparing a file is published, ungated, and free to use.
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