[traiffhetl]

How do you know black French don't or will not repay loans? Stop wasting my time trolling.

you don't have to know anything about anyone,
the bank doesn't care knowing you,
it cares knowing that she wont loose money by lending you.

now if you use that thing which is called logic you can easily end up to the following conclusions
immigrands which are usualy uneducated workers have lower incomes which means that they need a good guaranty to take the loan.
having low income and being "new" to a country means that you wont have property such as houses which can be used as guaranties
not having a guaranty or income means that you simply wont get a loan, which in turn means that you have to either find money "elsewhere" or work and save money untill you obtain the capital.
obviously, the native will have all these stuff, and obviously again the natives will find it easier to have their loan aproved.

either way, race is irrelevant to this.

oh and yes, if you can argue against me then do so, but do not say trolling just because you don't like how the reality is.