| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | loan applications | Australia | Loan applications usually involve evaluation of the applicant's employment stability and income. | 1 |
| 2 | money lending | Australia | Regulated by government agencies to ensure consumer protection | 1 |
| 3 | mortgages | Australia | Interest-only mortgages are more prevalent | 1 |