A guy walks into a bank in the middle of London and asks for the loan officer.
He tells the bank officer that he's going to Spain on holidays for two weeks and needs to borrow �5,000.
The bank officer says the bank will need some kind of security for the loan, so the man hands over the keys to a brand new BMW.
The car is parked on the street in front of the bank, he shows all the documents and everything checks out. The bank agrees to accept the BMW as collateral for the loan.
The Bank Manager and its officials all enjoy a good laugh at this guy for using a �100,000 BMW as collateral against a �5,000 loan.
An employee of the bank then proceeds to drive the BMW into the bank's underground Car Park and parks it there.
Two weeks later, the man returns, repays the �5,000 and the interest, which comes to �12. The Bank Manager says, "Sir, we are very happy to have had your business, and this transaction has worked out very nicely, but we are a little puzzled. While you were away, we checked you out and found that you are very well off and have plenty of money and own 250 acres of land. What puzzles us is, why would you bother to borrow �5,000?"
The man replies: "Where else in London can I park my car in the City Centre with valet parking and good security for two weeks for only �12 and expect it to still be there when I get back?"