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How do Bank Loans Work?

Completely new to banking and curious how the whole 'loan' thing works? Or just introducing the concept of banking to a newbie? This simple comic is the perfect thing to share around!
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The Debt Service Ratio Explained

The Debt Service Ratio is used by every bank to decide how much more lending your income can take. We explain how this ratio is calculated so you will have some idea as to how your new application is going to work out for you!