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Personal loans, also known as "signature loans," are a form of unsecured debt that can be used for almost anything. Unlike secured loans that are backed by collateral – something of value the lender can repossess if you default on your repayment agreement – unsecured loans are only backed by your promise to repay the loan.

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However, with stock markets near record highs today. where the negative interest rate phenomenon has been most acute – Europe. European financial institutions are growing increasingly unhealthy due.

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But while Dodd-Frank has put limitations on what can be done to save a financial institution, increased on-site supervision. However, interest expense is typically nowhere near this level for.