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For millennials jumping jobs for better career growth is a frequent occurrence. It is not a bad thing to do, however avoid jumping jobs just ahead of submitting your application—more so if you plan join a start-up, lenders prefer large corporations. Banks prefer customers with stable cashflows so salaried are favoured over self-employed. Lenders may deny you home loan if the cheque bounces for lack of sufficient fund and avoid skipping EMIs. Be prudent with credit card usage in the months before you apply for loan. Too much usage might show credit hungry behaviour and may work against you.