Which statement best describes how lenders determine borrowing conditions for a customer? they access the customer’s credit reports. they see how large of a down payment the customer makes. they look into how much the customer has saved for emergencies. they access the customer’s work history.

The following statement best describes how lenders determine borrowing conditions for a customer :

They access the customer’s credit reports

Explanation:

Credit reports is the time at which the lender will assess the borrower's potential for return as well as the risks inherent in the grant. This procedure is also carried out in order to be able to identify the clients who may not meet their obligations in the future, thus creating a situation of cash risk to the organization.

Through the Credit reports, it will be possible to identify if the client has the capacity and sufficient financial capacity to repay the debt that is intended to be incurred.

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