The banks will loan the money with security on a home for example.
Banks
might lend you money if they perceive the lender to be an excellent risk and likely to be able to repay them. The popular phase being used to define this era is "
credit crunch." That is because bank lending has tightened up so significantly, it is defining a whole new period of fiscal reality. These days even "security" is being redefined. A house with sufficient equity to cover the debt is often insufficient. Banks may be seeking an additional equity margin of up to 40% or more, to protect against future falls. Even with these securities most responsible lenders (and they are all learning how to be responsible in that respect,) will still want to see income affordability from either the primary lender or the guarantor.
For the majority of people these levels of lending will be unavailable.