function getInstantLoan() {
return "₹10 Lakhs @ 10.99%";
}

// STEP 1: Initialize Loan Application
const applicant = {
    name: "Rahul", // Your name
    company: "Amazon", // Your company
    location: "Whitefield", // Your Bangalore area
    salary: 120000, // Monthly CTC
    loanAmount: 800000, // ₹8 lakhs needed
    purpose: "New Royal Enfield + Home Renovation"
};

// STEP 2: Submit Application (takes 3 minutes)
const response = await advancecred.apply(applicant);

console.log(response);
{
    status: "PRE_APPROVED", // Instant for IT professionals
    amount: 800000,
    interestRate: 10.99,
    emiPerMonth: 26250,
    approvalTime: "2-4 hours",
    documentation: "Aadhaar + PAN only",
    disbursalTime: "Same day"
}

// STEP 3: Verification (Auto for top companies)
if (applicant.company === "Amazon" || "Google" || "Microsoft") {
    verification = "AUTO_APPROVED";
    console.log("No salary slips needed!");
} else {
    verification = "QUICK_MANUAL"; // 2 hours max
}

// STEP 4: Money Transfer
transfer.initiate({
    amount: 800000,
    to: applicant.bankAccount,
    time: "SAME_DAY"
});

console.log("✓ Loan disbursed!");
console.log("✓ Buy that bike now!");
console.log("✓ Start EMI from next month only!");