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Section A (1 Mark)A bank is considering making a loan to Neil Garg.

Section A (1 Mark)

A bank is considering making a loan to Neil Garg. Neil has bounced three cheques in the last year and already has Rs 1,00,000 on a credit card and an automobile loan with a large balance. What aspect of evaluating a consumer loan application is this fact concerned with?

A.

Income level

B.

Deposit balance

C.

Employment and residential stability

D.

Pyramiding of debt

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