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Morningstar: ÂŠ 2015 Morningstar, Inc. All Rights Reserved. [link widoczny dla zalogowanych] Guarantors generally tend to be very close to the applicant IE someone related, a close friend or perhaps in some cases an employer or landlord. They also need to be in receipt of a regular income and a homeowner. Depending upon the financial condition of the applicant the personal loans can be secured and unsecured and hence of large amount with lower interest rates and small amount with higher interest rates respectively. People who can avail a loan against any property (secured loan) have an advantage of lower interest rates with comparatively longer repayment period whereas in other case the conditions are opposite.
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