Myantra Interview Questions and Answers

Underwriting. Personal Information

What is your full name, Social Security Number, and date of birth?

Are you a U.S. citizen or permanent resident?


Why they ask: To verify your identity and eligibility for a mortgage.

2. Income and Employment

What is your annual income?

Are you employed, self-employed, or retired?

How long have you been at your current job?


Why they ask: To ensure you have a steady income to repay the loan.

3. Credit History

What is your credit score?

Do you have any outstanding loans, credit card debt, or missed payments?

Have you ever declared bankruptcy or had a foreclosure?


Why they ask: To assess your ability and reliability to repay the loan.

4. Assets and Savings

How much money do you have in savings, investments, or retirement accounts?

Do you own any other properties or assets?


Why they ask: To confirm you have enough funds for a down payment, closing costs, and emergency reserves.

5. Property Details

What is the purchase price of the home?

Are you buying a primary residence, second home, or investment property?

What is the home’s address and type (e.g., single-family, condo)?


Why they ask: To evaluate the value and purpose of the property as collateral for the loan.

6. Debts and Expenses

What are your monthly expenses, including rent, utilities, and other bills?

Do you owe child support or alimony?


Why they ask: To calculate your debt-to-income (DTI) ratio and ensure you can afford the mortgage payments.

7. Down Payment

How much are you planning to put down as a down payment?

Are the funds coming from your savings or a gift?


Why they ask: To verify you have a sufficient down payment and its source is legitimate.

8. Insurance and Taxes

Do you have homeowners insurance lined up?

Are you aware of the property taxes in the area?

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Q2. Mathematical questions like percentage
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During the coding test, I was asked to write a program to check the frequency of characters in a string.

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Java is a popular programming language known for its platform independence and object-oriented approach.
• Java is platform-independent, meaning it can run on any device with a Java Virtual Machine (JVM)

• Object-oriented programming is a key feature of Java, allowing for code reusability and modularity

• The four pillars of Java are: Inheritance, Encapsulation, Abstraction, and Polymorphism

• Inheritance allows a class to inherit...read more
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Recursion is a programming technique where a function calls itself to solve a problem.
• Recursion involves breaking down a problem into smaller subproblems and solving them recursively.

• A base case is needed to stop the recursion and prevent infinite loops.

• Example: Factorial calculation using recursion - function factorial(n) { return n === 0 ? 1 : n * factorial(n-1); }
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Java doesn't use pointers for security and simplicity reasons.
• Java uses references instead of pointers to avoid direct memory manipulation.

• Pointers can lead to memory leaks and security vulnerabilities.

• Java's garbage collection manages memory automatically, reducing the need for pointers.
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Array is a fixed-size data structure while ArrayList is a dynamic-size data structure in Java.
• Array is a fixed-size collection of elements of the same data type, while ArrayList is a dynamic-size collection that can grow or shrink.

• Arrays can store primitive data types and objects, while ArrayList can only store objects.

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The test will comprise a total of 60 questions, divided as follows: 70% of the questions will focus on finance and accounting, while the remaining questions will cover aptitude and English.

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