Even in these straitened times, borrowers can maximise their chances of securing a bank loan, writes Emma Kennedy.
With European interest rates toppling and the prospect of further cuts seeming increasingly likely, people thinking of borrowing money for a new home or car in 2009 have seen a glimmer of hope.
The European Central Bank (ECB) lowered its main rate twice, in October and November, by half a percentage point each time. Interest rates now stand...
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