When you make an application for a mortgage, you have to answer many questions on a form. The lender will want details about your age, health, income, net worth, other debts, family situations, etc. Those answers can be translated into binary “yes” or “no” responses, so far as the lender is concerned. Ideally, the lender wants somebody who is under 45 (“yes” for positive), who is in good health, without family encumbrances, a working partner etc.
The positive answers (say the applicant has a steady income that’s sufficient to service the loan) can be translated into “1s” and the negatives
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