Products related to Mortgage:
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Transnational Mortgage Law : Reconstructing the Global Framework for Housing Finance
This book uncovers and reconstructs the growing body of legal principles and rules governing mortgages that have been developed by different transnational institutions and actors. It shows how mortgages have evolved from a type of real security commonly used to facilitate lending by mitigating credit risk, to a transferable commodity with the potential to affect international financial stability and consumer welfare.In doing so, the book reveals the emergence of new policy objectives and rationales for regulation that have led to changes in the structure and functions of mortgage laws.Characterising this development as a type of transnational law, the book highlights the paradigm shifts in the law of residential mortgages brought about by their increasing global relevance.The analysis reveals tensions between the goals of risk mitigation, financial stability, consumer protection and housing justice. The result is an innovative analysis at the intersection of contract law, property law and international financial regulation.The book portrays transnational mortgage law as a complex field governed by a plurality of socially and economically relevant but potentially conflicting goals and principles.
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Mortgage Receivership: Law and Practice
The second edition of this authoritative title extends the cohesive theory of mortgage receivership developed in the first edition through reference to recent cases, whilst maintaining its focus on providing practical guidance to the relevant law and procedure.Thoroughly updated, with references to over 40 new cases, the book deals with a number of issues which have arisen since 2018:• considering in detail the difficult issue of the effect of the receivership on the borrower’s powers and the borrower’s ability to exercise those powers, in the context of Ghai v Maymask [2020] UKUT 293. • updating the possession chapter by reference to Menon v Pask [2019] EWHC 2611 (Ch) and discussing to what extent the reasoning in that decision can be extended. • new section on statutory bars to receivership including an overview of the effect of sanctions. • revised chapter on regulation by reference to a number of cases decided since the last edition. • updated to discuss new property statutes and their relevance to receivership in relation to ground rents under residential leases, registration of overseas entities, and the Building Safety Act 2022. 'Mortgage Receivership: Law and Practice' also provides practical advice about what receivers should do in particular situations and how litigation involving receivers should be conducted.It is essential reading for lawyers advising receivers, or who are involved in litigation for or against receivers, and for receivers themselves.
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Fisher and Lightwood's Law of Mortgage
This title covers all aspects of the law of mortgages, including what mortgages and charges are, parties to mortgages, void or imperfect securities, transfer and devolution of mortgages, mortgagee's remedies, priorities of mortgages, incidence of the mortgage debt, discharge of the mortgage, accounts and costs.The fifteenth edition has been fully updated to reflect new legislation, cases, regulatory material and other developments.
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Mortgage wanker,New Home Card, none
Your Card Was Designed By Abi Go Lucky Discover our A5 Greeting Cards - true works of art for any occasion. These print-ready cards feature artist-crafted designs and provide ample space for your custom message. Printed on high-quality cardstock, they serve as keepsakes and come with matching envelopes for added elegance. Send your best wishes or share beauty with our artist-crafted cards. Explore our collection today and let artistry and craftsmanship do the talking. Perfect for any occasion, they embody the timeless art of communication.
Price: 2.99 £ | Shipping*: 3.95 £
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What is the difference between a mortgage and a loan?
A mortgage is a specific type of loan that is used to purchase real estate, typically a home. It is a secured loan, meaning the property serves as collateral for the loan. On the other hand, a loan is a broader term that can refer to various types of borrowing, such as personal loans, auto loans, or student loans. Loans can be secured or unsecured, depending on the lender's requirements.
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What happens in the event of death with a mortgage loan?
In the event of death with a mortgage loan, the responsibility for the loan typically falls to the deceased person's estate. The executor of the estate will need to notify the lender of the borrower's passing and make arrangements for the outstanding balance to be paid off. If there is a co-borrower or co-signer on the loan, they may become responsible for the remaining payments. In some cases, life insurance policies or other assets may be used to settle the mortgage debt.
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Why is the registered mortgage important for a loan rather than the value of the property?
A registered mortgage is important for a loan because it provides the lender with a legal claim on the property in case the borrower defaults on the loan. This gives the lender a level of security and assurance that they will be able to recover their money by selling the property. The value of the property can fluctuate over time, so having a registered mortgage ensures that the lender's interests are protected regardless of changes in property value.
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Why is the registered mortgage important for a loan, rather than the value of the property?
The registered mortgage is important for a loan because it serves as a legal guarantee for the lender that they have a claim on the property in case the borrower defaults on the loan. This provides security to the lender and reduces the risk associated with lending money. The value of the property is important for determining the loan amount and the terms of the loan, but the registered mortgage ensures that the lender has a legal right to the property in case of non-payment.
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Mortgage Wanker,New Home Card, none
Your Card Was Designed By Pickled Post Discover our A5 Greeting Cards - true works of art for any occasion. These print-ready cards feature artist-crafted designs and provide ample space for your custom message. Printed on high-quality cardstock, they serve as keepsakes and come with matching envelopes for added elegance. Send your best wishes or share beauty with our artist-crafted cards. Explore our collection today and let artistry and craftsmanship do the talking. Perfect for any occasion, they embody the timeless art of communication.
Price: 2.99 £ | Shipping*: 3.95 £ -
A Practical Guide to Paying off Your Mortgage Early
Owning a property is a dream for many people, and borrowing from banks is often essential to achieve this.However, having a mortgage can cause real anxiety because of the latent fear of losing our home if we cannot keep up with mortgage payments.Traditionally, homeowners repay their debt over 25 years, but high house prices have made it necessary to increase the term up to 40 years to make monthly payments affordable.Spreading the debt over a longer period of time not only means that borrowers have to pay more interest, but they are also exposed to other risks such as potential interest rate rises and changes in personal circumstances affecting their mortgage eligibility.These can lead to financial worries, financial stress, and reduced well-being.There are few practical guides available to show borrowers how to manage their mortgage debt more effectively, and how to repay their mortgage quickly so that they are debt-free. This book seeks to empower consumers, young and old, by providing a roadmap to help borrowers achieve financial security through planning for the future, insuring their income, and setting up an emergency fund.It also outlines simple strategies for an early repayment of debt, including paying off the capital, making extra payments, and monitoring their mortgage debt.In doing so, it aims to help readers improve their general well-being, enhance their financial security, reduce their financial worries, and eliminate their ‘mortgage insomnia’.
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106 Mortgage Secrets All Borrowers Must Learn -- But Lenders Don't Tell
The only guidebook that shows you how to finance any property--with or without bank approval Would you like to discover all of the many ways that you can finance real estate?Want to learn how to cut your financing costs, avoid pitfalls, and negotiate the best terms?Then let Gary Eldred's 106 Mortgage Secrets All Borrowers Must Learn--But Lenders Don't Tell, Second Edition guide you.Fully updated, this practical guide explains how today's changing mortgage market really works.Unlike other mortgage guides, this book goes beyond traditional bank-originated loans and shows you how to benefit with seller financing, assumables, subject-to, wraparounds, lease options, foreclosures, and other money-saving possibilities. 106 Mortgage Secrets also protects you from the sharp practices of loan reps that have recently sparked Congressional hearings and multiple state investigations.In addition, Eldred shows how and why the right financing decisions can add tens (and sometimes hundreds) of thousands of dollars to your long-term net worth.With these 106 secrets, you'll build the confidence and the knowledge to: * Increase your borrowing power * Obtain the lowest interest rate * Understand the true pros and cons of ARMs * Cut (or eliminate) the cost of mortgage insurance * Save big with seller financing, assumptions, foreclosures, and REOs * Strengthen your credit profile and credit score * Avoid getting taken... by the fine print and garbage fees * Steer clear of scams and unprincipled loan reps and lenders * Accumulate wealth through homeownership and investment properties Simple, concise, and comprehensive, this book reveals everything property buyers need to know--especially the 106 financing secrets lenders too often omit.
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Congrats On Managing To Get A Mortgage,New Home Card, none
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Price: 2.99 £ | Shipping*: 3.95 £
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What is a primary mortgage financing?
A primary mortgage financing refers to the initial loan that a borrower obtains from a lender to purchase a home or property. This type of financing is typically used to cover the majority of the purchase price of the property, and is secured by the property itself. The borrower makes regular payments to the lender over a set period of time, usually 15 or 30 years, until the loan is fully repaid. Primary mortgage financing is a common way for individuals to become homeowners without having to pay the full purchase price upfront.
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Why does a loan depend on the registered mortgage and not on the value of the property?
A loan depends on the registered mortgage rather than the value of the property because the mortgage serves as security for the lender in case the borrower defaults on the loan. The registered mortgage gives the lender a legal claim on the property, allowing them to recoup their funds by selling the property if necessary. The value of the property is considered in determining the loan-to-value ratio, which is used to assess the risk of the loan, but the mortgage itself is the primary factor in securing the loan.
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Can the mortgage on the house increase?
Yes, the mortgage on a house can increase under certain circumstances. For example, if the homeowner has an adjustable-rate mortgage, the interest rate can increase over time, causing the monthly mortgage payment to go up. Additionally, if the homeowner has a mortgage with an escrow account for property taxes and homeowners insurance, an increase in these expenses can also lead to an increase in the monthly mortgage payment. Finally, if the homeowner takes out a home equity loan or line of credit, this can also increase the overall debt secured by the house.
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How does the mortgage work in Monopoly?
In Monopoly, players can purchase properties when they land on them. If a player lands on an unowned property and chooses not to buy it, the property goes up for auction. If a player cannot afford to purchase a property, they have the option to mortgage their own properties to raise funds. When a property is mortgaged, the owner receives cash equal to half of the property's value, but they must pay 10% interest when they unmortgage the property.
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