In the rulebook, it states that loans can be taken out at any time. It's clear that they can only be repaid during one's turn, but it says nothing (unless I'm missing it) about any restriction to taking one.

However, this geek file of a rules summary states that:

http://files.boardgamegeek.com/geekfile_view.php?fileid=3550...

I heard this from the player who taught me the game as well. Where is this coming from? Was there some kind of errata put out, or am I missing something?