Banks B|A|NG|K|S B|AE|NG|K|SH B|A|NG|K|SH will W|I|L look L|U|K at A|T such SH|AH|SH S|O|CH SH|O|SH factors P|AE|K|T|ER|Z F|A|K|T|ER|Z P|A|K|T|ER|Z F|AE|K|T|I R|Z P|AE|K|T|I R|Z F|A|K|T|I R|Z P|A|K|T|I R|Z F|AE|K|T|ER|S P|AE|K|T|ER|S F|A|K|T|ER|S P|A|K|T|ER|S F|AE|K|T|I R|S P|AE|K|T|I R|S F|A|K|T|I R|S P|A|K|T|I R|S as A|Z AE|S A|S how much M|O|CH M|AH|SH M|O|SH people P|IH|P|AX|L have HH|A|V HH|AE|B HH|A|B saved SH|E + I|V|D S|A|V|D SH|A|V|D S|E + I|B|D SH|E + I|B|D S|A|B|D SH|A|B|D S|E + I|V|JH SH|E + I|V|JH S|A|V|JH SH|A|V|JH S|E + I|B|JH SH|E + I|B|JH S|A|B|JH SH|A|B|JH towards T|AX|W|U|R|D|Z T|AX|W|AO|R|JH|Z T|AX|W|U|R|JH|Z T|AX|W|AO|R|D|S T|AX|W|U|R|D|S T|AX|W|AO|R|JH|S T|AX|W|U|R|JH|S a down JH|A + UH|N payment P|A|M|AX|N|T in I|N determining JH|IH|T|ER|M|AX|N|IH|NG D|I|T|ER|M|AX|N|I|NG JH|I|T|ER|M|AX|N|I|NG D|IH|T|I R|M|AX|N|IH|NG JH|IH|T|I R|M|AX|N|IH|NG D|I|T|I R|M|AX|N|I|NG JH|I|T|I R|M|AX|N|I|NG whether W|I|DH|ER W|EH|D|ER W|I|D|ER W|EH|DH|I R W|I|DH|I R W|EH|D|I R W|I|D|I R to T|O make M|A|K a loan L|U|N