Simon and Diane are purchasing a new vehicle and have applied for a loan of $$65,000$ to finance the purchase. Simon and Diane pay rent of $$3,750$ per month for their apartment, which they moved into six months ago. Simon has a personal line of credit with an outstanding balance of $$4,500$ and a credit card with an outstanding balance of $$1,850.$ Diane has a personal line of credit with an outstanding balance of $$5,500.$

Their combined gross annual income last year was $$150,000.$ Approximately $$110,000$ of that income is salary income. Simon has worked for the same company since graduating college $14$ years ago. Diane has worked for her employer in the public healthcare sector for $11$ years and returned from maternity leave three months ago. Which of the following factors is most likely to have a negative impact on Simon and Diane's ability to be approved for a car loan?

Question $6$ options:

The sources of their income.

The stability of their employment.

The stability of their residence.