As per the Meezan bank they have a point calculator... case approvals are based on those points earned by the individual... ur salaray, ur residence (rented, owned, company provided) childs, years in current job, total job period, permanent, employer category, education, any other lease or credit cards, club incomes, all things have different points on the basis of ur answers. Each section has different weightage and ur final score will tell them to approve ur case or not... even ur points will decide ur case approval from local branch, regional head ofc or from Karachi head ofc.
On the basis of these points the ijara officers guides u to alter ur plans to increase ur points to take up ur case till approval....
I hope u got my point.
BTW m a doctor not a banker and not related to Meezan Bank by any sort. Just a experience coz i too have 2 vehicles on Ijara by Meezan.