| 41. | Raising the interest rate to recoup expenses is unattractive to borrowers.
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| 42. | And with deflation, real interest rates become higher for borrowers.
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| 43. | Only then will the normal interplay between lenders and borrowers resume.
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| 44. | Mortgage rates depend largely on the borrower's credit rating.
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| 45. | A commitment is a contract between the lender and the borrower,
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| 46. | "There's no use talking to borrowers anymore.
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| 47. | And borrowers should choose themselves how to use the loan funds.
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| 48. | Now, some large corporate borrowers are having trouble repaying loans.
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| 49. | Molinaro's books include " The Borrower,"
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| 50. | But, they noted, borrowers must take responsibility, too.
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