Based on the various requirements of a mortgage loan, the factor that can lessen the amount of the mortgage loan is a down payment.
What is a down payment?
The down payment is the amount that is paid by the buyers of the house from their own savings and income which they will not have to pay back to the bank.
The larger this payment is, the less the amount that needs to be borrowed as a mortage loan.
In conclusion, option A is correct.
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