If asking questions and requesting facts denotes a boxing match, then gloves are on.
I just thought that it would be better to have all facts and not just half a story.
The question. Well if you can afford to repay a loan and it is considered a worthwhile acquisition, there are no problems whatever the Country. Money remains available.
If you can’t afford the repayments and can’t provide evidence to support, why should any bank lend money to you, irrespective of the climate.
Put yourself in the driving seat (the bank). You have what 2 customers want.
Customer 1 has a steady job. 40K p.a. income.
Customer 2 had worked for for 8 years, no payslips.
Who would you lend your money to?