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The banks would only grant credits unless the borrowers have property as collateral.

Hi,
May I know if the above sentence is grammatically correct? I would like to say that property is a must for borrowers to borrow from banks. Is the use of unless correct in this sentence? Thank you very much.

Grammarfreak · Accepted Answer

There seem to be semantic issues with your sentence, particularly on when and how to use "only", "when " , and " unless" correctly. By the way, banks approve loans and credit card companys approve credit. Your sentence seemed to be mixed up.

AnonymousThe banks would only grant credits unless the borrowers have property as collateral.

Relative to your context, the correct grammatical pattern is: " only " is typically used with "when ", and " unless " is associated with "not" ( or words with negative connotation, i.e. decline, reject, turn down, etc..) . For examples:

The bank Will / Can only consider a loan appliaction when borrowers have property collateral.
Banks usually will not/ do not approve a loan unless the borrower has property collateral.
Unless a borrower has collateral, banks usually (will not consider) /( declines)/ (rejects) the loan.

Anonymous · Answer

Thank you very much

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