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And it means higher mortgage payments making first time loans less affordable.

Write to him, saying that it is not your practice to make time loans for definite periods longer than six months, as it is not a good plan thus to tie up your deposits.

From this time loans are perpetually being made; and at least six manuscripts other than those mentioned above were lent this year.

What are the economic differences between long and short time loans?

For the same reason legitimate banking is limited to short time loans—on demand, thirty, sixty, ninety days—the shorter being the safer.