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It seems that almost everyone of us have some sort of debt or personal loans. It is very common for us human to spend more than what we can afford, hence all the borrowing from banks and etc. Do the banks play a role in this part? Obviously they do play an important role here. If they are too keen to lend money to the public by giving them loans without doing a thorough checking on whether the person can afford to repay it or not, then they are encouraging borrowing of money and could put everyone in serious debt. So, do you think this is happening in real life – that it is getting easier to get a loan (for example, a personal secured loan) these days?

Well, based on my experience so far I think that’s not the case. The banks are still quite strict in lending money, especially if it is a huge amount of sum. Recently, the bank that I used to have students account with scrapped their 0% overdraft facility to those who are graduating this year. Perhaps, this is a sign by the banks that they are no longer willing to lend money easily? What do you think?