The lending is often oblique, by means of a monetary middleman reminiscent of a financial institution , or through the purchase of notes or bonds ( company bonds , authorities bonds , or mutual bonds) in the bond market The lender receives curiosity, the borrower pays a better interest than the lender receives, and the monetary middleman earns the difference for arranging the mortgage. eight 9 10 A bank aggregates the activities of many debtors and lenders.
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