> Today I learned that lenders cannot deny loans Lenders can deny loans and they can also reflect the risk in the interest rate. However, lenders only provide

> Today I learned that lenders cannot deny loans Lenders can deny loans and they can also reflect the risk in the interest rate. However, lenders only provide their input after the borrower evaluates the impact of a loan on their finances and decides based on his evaluation that he clearly and unambiguiusly is willing and capable of servicing and repaying such a loan in full. Only after that decision is expressly made by the borrower can lenders be involved, and their involvement is restricted to rubberstamp the deal decided by the borrower.