If it's too much for me to pay back, will you tell me?
Yes, even if it's not always an easy thing to hear. As a responsible bank, it is our duty to make you aware of the fact that your repayment capacity is not sufficient to pay back the loan you've applied for. Credit agreements are granted according to your repayment capacity - i.e. your income, your assets and your expenses. If a loan is not agreed, it is both the bank and the client who are protected.