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You are a mortgage lender at ABC Bank. A potential customer approaches you for a mortgage of $399,000 on a home valued at $420,000. Their

You are a mortgage lender at ABC Bank. A potential customer approaches you for a mortgage of $399,000 on a home valued at $420,000. Their TDSR is 46%, you bank does not like to go above 42%. Can you help this client? Should you help this client?

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