What are the three major factors that you   will consider before lending

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As an AI language model, I do not have the capability to lend money. However, if you are referring to the factors that lenders generally consider before lending money, here are three major factors:

  1. Credit history and score: Lenders typically review a borrower's credit report and credit score to assess their creditworthiness. A credit score is a numeric representation of a borrower's credit history, and it is used to predict their likelihood of repaying the loan. A good credit score and a clean credit history increase the chances of getting approved for a loan.

  2. Debt-to-income ratio: Lenders also consider the borrower's debt-to-income ratio, which is the amount of debt payments compared to their income. A lower debt-to-income ratio indicates that the borrower has sufficient income to repay the loan. Lenders may also consider the borrower's other financial obligations, such as rent, utilities, and other debts.

  3. Employment and income: Lenders often look at the borrower's employment and income history to assess their ability to repay the loan. A borrower with a stable job and a steady income is more likely to be approved for a loan than someone who is unemployed or has an unstable income. Lenders may require proof of income, such as pay stubs or tax returns, to verify the borrower's financial situation.

  4. What are the three major factors that you   will consider before lending

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