I’m sure you’re all saying that all of those are pretty important.
But at the same time, there are some pretty important things, like the most popular way to get a loan is by using a bank’s UUVVF (Unconditional Unconditional Variable Funding). In the US, almost all of the loans for home purchases are UUVVF’s, and in Europe it’s even more common.
Why are UUVVFs used? Because banks aren’t allowed to allow risky loans for home purchases, and UUVVFs have been created with a few key exceptions. The most important of which is that loans for homes are UUVVFs. The second is that banks can only lend to one borrower at a time, so a UUVVF can be used by multiple people to get a loan.