I remember seeing this skit live and laughing at the hilarious misconceptions in white versus black loans. Some banks may very well discriminate but we also know that liberals accuse banks of discrimination based on good money management techniques. Let’s say a certain section of town has a terrible record in loan repayments. They may set tougher standards before loaning any money to people living in that section, black or white. It’s only common sense.
In the skit, Eddie Murphy tries to get a loan and he gets turned down everywhere he goes. He then applies make up to turn himself white and the loan process takes a whole new turn. I don’t want to spoil it for you. I hate news groups that find it necessary to recap everything in a video to the point where it’s a waste of time watching it.
Knowing SNL, this was probably created to make people think this is really how it works but if you keep an open mind and think, you will laugh too.