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Some of these loan features include interest rates, the amount you can borrow, and any fees.
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The money thus created will become loans to borrowers from the bank, creating more deposits upon which the bank collects interest, if the bank uses a fractional reserve of say ten it can loan out nine times that amount, it can then charge interest that often ends up at three times the original loan over 20 years, making the amount now thirty times the deposit example; 9×3 plus deposit=30.
The tax code has just gotten too complex to cover this topic in 2,000 words.