Normally a long-term loan attracts a higher interest rate because the money is tied up for longer and thus subject to more risks.

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Gift certificates are a great deal for stores: Around 8% of all certificates are never redeemed, which creates a kind of long-term interest-free loan for the store.

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If the borrowing taxpayer has met the requirement, he or she would have a long-term loan to be paid back at a competitive interest rate.

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