<prompt> Hlalosa mokhoa oa hore na kopo ea kalimo e netefatsoa joang.nan  <response>: Instruction in English: Describe the process of how a loan application is verified. . Response in English: The verification process of a loan application typically involves several steps to ensure that the applicant is eligible and capable of repaying the loan. Here are the steps that are typically followed:1. Review of Credit Report: Lenders usually start the verification process by reviewing your credit report from at least one of the major credit reporting agencies. Your credit report typically includes your credit history, payment history, currently outstanding debts, and a credit score.2. Verification of Income: Lenders will want to verify the applicants income to determine their ability to repay the loan. This is usually done by requesting copies of the applicants pay stubs, bank statements or tax returns to validate their income.3. Employment Verification: Lenders may also want to verify the applicants employment status to ensure that they have a steady source of income. This can be done by contacting their employer or by requesting a letter of employment or salary slip.4. Debt-to-Income Ratio: The lender will typically calculate the applicants debt-to-income ratio, which compares their monthly debt payments to their monthly income. A high debt-to-income ratio may indicate a higher risk for the lender, as it suggests that the applicant may have trouble making loan payments.5. Collateral Evaluation: If the loan is secured, meaning the applicant offers collateral such as a property or a car as a guarantee, the lender will assess the value of the collateral to ensure it aligns with the loan amount.6. Review of Loan Application: Finally, the lender will review the loan application to make sure all the information provided is accurate and honest. They may ask for additional documentation or clarification if necessary.After all these steps, the lender will determine if the loan application is approved or denied, based on their assessment of the applicants creditworthiness and ability to repay the loan. . Response in Sesotho: Tsebetso ea netefatso ea kopo ea kalimo hangata e kenyelletsa mehato e mengata ho netefatsa hore mokopi oa tšoaneleha ebile o khona ho lefa sekoloto. Mehato eo hangata e lateloang ke ena: 1. Tlhahlobo ea Tlaleho ea Mokitlane: Hangata ba alimang ba qala tsebetso ea ho netefatsa ka ho hlahloba tlaleho ea mekitlane ea hau bonyane ho tsoa ho e ngoe ea mekhatlo e meholo ea tlaleho ea mekitlane. Tlaleho ea hau ea mokoloto hangata e kenyelletsa nalane ea hau ea mokoloto, nalane ea tefo, mekoloto e saletseng morao, le lintlha tsa mokoloto. 2. Netefatso ea Lekeno: Ba alimang ba tla batla ho netefatsa lekeno la mokopi ho bona bokhoni ba bona ba ho lefa sekoloto. Hangata sena se etsoa ka ho kopa likopi tsa lipampiri tsa mokopi, litatemente tsa banka kapa litlaleho tsa lekhetho ho netefatsa lekeno la bona. 3. Netefatso ea Mosebetsi: Baalimi ba ka boela ba batla ho netefatsa boemo ba mokopi mosebetsi ho netefatsa hore ba na le mohloli o tsitsitseng oa chelete. Sena se ka etsoa ka ho ikopanya le mohiri oa bona kapa ka ho kōpa lengolo la mosebetsi kapa salary slip. 4. Karolelano ea Sekoloto ho ea ho Mokeno: Ka tloaelo, alima o tla bala tekanyo ea mokoloto ho ea ho moputso, e bapisang likoloto tsa bona tsa khoeli le khoeli le moputso oa bona oa khoeli le khoeli. Karo-karolelano e phahameng ea likoloto ho ea ho moputso e ka na ea bontša kotsi e kholo ho mofani oa chelete, kaha e fana ka maikutlo a hore mokopi a ka ba le bothata ba ho lefa. 5. Tlhahlobo ea Tšireletso: Haeba kalimo e tiisitsoe, ho bolelang hore mokopi o fana ka tebeletso e kang thepa kapa koloi e le tiisetso, mofani oa chelete o tla lekola boleng ba tebeletso ho netefatsa hore e lumellana le chelete ea kalimo. 6. Tlhahlobo ea Kopo ea Kalimo: Qetellong, mofani oa chelete o tla hlahloba kopo ea kalimo ho netefatsa hore lintlha tsohle tse fanoeng li nepahetse ebile lia tšepahala. Ba ka na ba kopa litokomane tse eketsehileng kapa tlhaloso haeba ho hlokahala. Ka mora mehato ena kaofela, mofani oa chelete o tla etsa qeto ea hore na kopo ea kalimo e amohetsoe kapa e hanoa, ho latela tlhahlobo ea bona ea ho tšoaneleha ha mokopi le bokhoni ba ho lefa sekoloto. 