Most Banks offer loans to individuals working with Companies that are included in the prefered list of Banks. If you work in a Company that is not listed with Banks, then chances are your loan application would get declined by most Big Banks.
Banks can make exception to this rule in some cases. For instance Banks can offer a loan to individuals who have a salary transfer account with good history with them. Of course they dont get offered the lowest rates. Some Banks can consider offering a Loan in case the individual has a good payment history of a Credit Card or a secured loan like Car Loan.
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