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Because this type of lending is not secured against any collateral, the lender is taking a risk.
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For even these term fund requirements, this should be by way of a shared national credit, as more prevalent in advanced economies, led by a leading bank, with separate security trustees responsible for the creation, perfection, novation and enforcement of underlying security.
It is rare for a bank to offer a even a 3 or 5 year fixed rate on a 7a loan.
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