By the time a credit team opens a loan file, most of the decision has already been shaped by someone else’s work. Precisa works with direct selling agent (DSA) partners across business and personal loan segments, and the pattern holds regardless of lender or loan type. A clean file that clears on the first pass […]
Fixed Obligation to Income Ratio is one of the first filters a credit officer applies. Most banks set FOIR thresholds at 40–50% for salaried borrowers, while many NBFCs extend this to 50–55%, with some going higher for specific profiles, and anything above that is grounds for rejection or a restructured loan offer. The logic is […]
