Seven factors affect how much someone can borrow from you:
1. Your income & commitments
2. Your lifestyle/living expenses
3. Credit history
4. Property deposit
5. Home loan type, term, and interest rate
6. Assets
7. Value of the property
Do these factors only be noticed when someone is borrowing money?
The answer would be a "no" because these factors affect both the borrowers and the givers themselves.
Let's take an example to understand this,
Ruhi is the giver and Vijay is the borrower.
Vijay wants to borrow some money from Ruhi, but if Ruhi herself doesn't have money, how will she be able to give money.
So that's why those factors must be checked in both cases.
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