I nearly was up the creek when I went to the bank the other month to try to get a loan. I needed the loan to get a brand new, modern and pretty lavish central heating and air conditioner. My old central heating and air conditioner had little to no life left and it was just a matter of time before the central heating and air conditioner broke down for good. So I needed to get the modern Heating as well as A/C component into our apartment as soon as possible. The bank was initially not going to supply me the loan because of the amount and because I did not have much collateral other than our house! It took me more than 2 weeks of going through strange channels and directors at the bank before I was finally able to labor something out to get our central heating and air conditioner loan that I needed. Because of the hot summer time weather both of us have here, it played a huge area in getting approved for the loan because of what I needed and what it meant in terms of survival. I had the income level to be approved, so that was what absolutely helped me in the end get the loan to get the brand new, modern and pretty expensive central heating and air conditioner that I was going for from the local heat and cooling system company. They are coming next week to absolutely instal the brand modern and modern central heating and air conditioner that I had purchased.