New Delhi, Oct. 20 -- If you are planning to raise a personal loan, it is important to remember that there are numerous factors that influence your ability to borrow.

Your potential to secure a loan is a function of your credit score, level of income, current liabilities and the loan amount. If one or more of these factors are stacked against you, then your personal loan application could find it difficult to sail through, and even face rejection.

Here, we give a lowdown on five of the key factors which adversely impact your ability to borrow money.

I. Credit score: At the outset, your credit score is quite important. The lower the score, the more difficult it is to borrow. Although a score above 720 is considered good, borrowers with ...