It is always best to disclose your purpose. On many occasions, lenders also suggest a cheaper loan plan, which is especially meant for the expense for which you need the money.
Your stability counts a lot as for as your credit profile is concerned. Unless and until an unavoidable situation arises, never keep shifting your residence often. Alteration in your residential address too frequently may have a bad toll on your credit profile.
In the same manner, do not be a rolling stone in your employment. This can be another feature that can mar your credit status, though you may be on a high perks.
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