Business requirement

A lender needs a pre-check that considers age, income, credit score, and existing monthly debt before classifying an applicant for a standard or premium loan.

1. Reject applicants outside the age range 21–60.
2. Require monthly income of at least ₹30,000 and credit score of at least 650.
3. Calculate debt-to-income ratio and reject values above 40%.
4. Approve as Premium when score is at least 750 and income is at least ₹60,000; otherwise approve as Standard.
5. Return one clear reason for the first failed rule.