Juan: International directory enquiries cheaper loans Tackled during the question-and- answer session with workers on whether shorter working hours, and a lower retirement age, would provide more jobs for young people, Mr Cameron said: “If I had more spare time, I think Sam would say ‘great, now you can paint the children’s bedrooms.” loan without down payment Delinquencies in two home-related loan categories — property improvement loans and home equity loans — fell in the first quarter, a positive sign as the housing market continues its gradual recovery.