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They're a number of factors which cause people to make their financial choices, different factors apply to different people at different times and often depend on the personality + attitude to risk of the individual, the following factors apply to the choice of medium / long-term financial products: The stronger the desire to fulfil a want or aspiration, the greater the desire for the financial product that'll make it possible Original want / aspiration Someone who needs a mortgage must be able to afford repayments, and this depends on their personal financial circumstances ( their income + existing assets + liabilities ), the economic situation must be such that it's relatively easy to get a mortgage Feasibility of access to a financial product to fulfil the want or aspiration Must be available and must allow an individual to find out about a full range of nroducts from ...
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