How does a bank in Australia decide who to lend to?

Signage at a Commonwealth Bank of Australia branch in Sydney, Wednesday, May 12, 2021. (AAP Image/Joel Carrett) NO ARCHIVING

Commonwealth Bank of Australia Source: AAP

How does a bank in Australia decide who to lend to? How does a bank or other financial institution decide how much to lend to buy a house or apartment in Australia? And, what is causing more problems to the Nepali community when it comes to taking a loan from a bank? Financial Advisor Bishwas Bhattarai answers these and similar queries.


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