Gold would make the loan as a private citizen to circumvent rules preventing a club lending money or guaranteeing the debts of a rival.
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Most lenders view pension income as akin to a salary when judging whether to make a loan.
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The chancellor announced in the budget that he would make the loan schemes eligible.
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The museum said that it was up to its trustees to make any loan decision, not the government, and it would only lend objects if the borrower accepted its ownership.
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This will lower monthly payments and make the loan more affordable.
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