Alliance Soccer League - ASL

How Banks Decide Your Loan

Banks don't lend based on trust.
They lend based on numbers.

Here are the numbers that matter.

Whether you're in Lagos, London, Dubai, or São Paulo — banks use a similar framework to decide if you qualify for a property loan.

Here's what they're looking at:

1. Loan-to-Value (LTV) Ratio

How much you're borrowing vs the property's value.
Lower LTV = less risk for the bank = better terms for you.

2. Debt-to-Income Ratio

What percentage of your monthly income goes to debt payments.
Most banks want this below 40–43%.

3. Credit History

Your track record of paying back what you owe.
In markets without formal credit bureaus, banks use bank statements and asset proof instead.

4. Income Stability

Employed, self-employed, or business owner — each is assessed differently.

5. Property Valuation
The bank will value the property independently. Their number not yours determines the loan.

Walk into any lender globally knowing these five numbers and you'll negotiate from a position of strength.

Finally, football tonight!
Everton vs Man United under the lights 🔥

Bruno to boss it, Let’s go get the W!
🔴

Very good player but injuries have really held him back 😔

Lisandro Martínez is class when fit—top defender, ball-playing ability on point but those recurring knocks are frustrating for United fans.

Hope he gets a long injury-free run soon!

Oh wow, Arsenal, another classic “wobble” already?
Top of the league, 4pts clear in February… clearly bottling it spectacularly.

Someone alert the history books. 🙄🔴

What do you think, United fans?
✅ Strong enough to get 3 points at West Ham?
❌ Any changes you'd make?
Drop your predictions & scoreline below! 👇❤️

Manchester United we up! 🔴

The United Strand get ready for that haircut! ✂️
One more win tonight vs West Ham = FIVE IN A ROW under Carrick! Let's end Frank's 493-day nightmare 😂👹

Heading to the capital to perform a miracle tonight!

Man Utd vs West Ham – divine intervention loading 🔴⚫✨ Who's backing the Red Devils for the win?

Nobody does it better 🔥❤️

🏴󠁧󠁢󠁥󠁮󠁧󠁿🪄 𝐌𝐎𝐒𝐓 𝐂𝐇𝐀𝐍𝐂𝐄𝐒 𝐂𝐑𝐄𝐀𝐓𝐄𝐃 in the Premier League this season:

🥇 Bruno Fernandes - 74
🥈 Declan Rice - 47
🥉 Anton Stach, Dominik Szoboszlai - 44

𝐎𝐇 𝐖𝐎𝐖 𝐁𝐑𝐔𝐍𝐎, 𝐈𝐍𝐂𝐑𝐄𝐃𝐈𝐁𝐋𝐄 🤯

Going down 🔥

🏟️🔥

ASL QUARTER FINAL LOADING
⚽⚽⚽

WHO WILL GO THROUGH?🤷