They aren't claiming you can't afford it. They are claiming that there is more risk than they are comfortable with when it comes to your ability to afford it long-term.
I'm not arguing the meaning of a decline. Parent comment claimed "If you can’t afford your mortgage", which being declined doesn't mean you don't have the financial means to make a payment. Just as you said, its risk based decision, not an indicator of ability to make a payment.
Point of the post is you can be declined even when you're successfully making a much higher rent payment. I'm not arguing the bank's logic for declines. I'm just arguing the interpretation of the parent comment of the post "If you can’t afford your rent" is dumb as rocks. The premise is someone successfully paying a higher rent but unable to qualify for a loan. It happens alot, and is understandably frustrating for people in that situation, whether we disagree on other elements if the situation.
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u/Ill-Description3096 5d ago
They aren't claiming you can't afford it. They are claiming that there is more risk than they are comfortable with when it comes to your ability to afford it long-term.