Final answer:
A borrower must have an existing savings account to qualify for a deposit-advance loan, as it is usually the primary requirement set by banks, in addition to reviewing income and credit history.
Step-by-step explanation:
To qualify for a deposit-advance loan, a borrower must have an existing savings account. When lending in the financial capital market, banks typically require information on income sources and conduct credit checks on an individual's borrowing history. Options like obtaining a cosigner, which is another person or entity that pledges to repay the loan if the original borrower cannot, or securing the loan with collateral, such as property or equipment, can also be used by banks to protect their interests. However, for a deposit-advance loan specifically, having an existing savings account with the lending bank is usually the primary requirement.