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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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Contact
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Contact
'Contact' is an album that digs deep into the past, looks ahead to the future and burns with vivid life in the present, where its mind-expanding soundscapes, beguiling melodies and resonating emotions exude a tremendous in-the-moment vibrancy.
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Contact
Sci-fi drama directed by Robert Zemeckis. After the death of her father, Ellie Arroway (Jodie Foster) devotes her life to science.Convinced of the existence of extra-terrestrial life, she uses satellites to sweep the stars for evidence.When she receives the transmission of what seems to be a blueprint from another species for the construction of a spacecraft, she has to fight for the right to lead the ship's maiden flight to meet the alien life forms.She finds herself working with her former lover, ex-priest Palmer Joss (Matthew McConaughey), now a governmental advisor.
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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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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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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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Contact
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Contact
THE INTERNATIONAL BESTSELLING CLASSIC NOVEL OF FIRST CONTACTWe are not alone . . . At first it seemed impossible - a radio signal that came not from Earth but from far beyond the nearest stars.But then the signal was translated, and what had been impossible became terrifying.For the signal contains the information to build a Machine that can travel to the stars.A Machine that can take a human to meet those that sent the message. They are eager to meet us: they have been watching and waiting for a long time. And now they will judge. 'Stunning and satisfying' Los Angeles Times'An astonishingly exciting, precise and involved book' Sydney Sunday Telegraph'The range and depth of ideas is quite uncommon' New York Times Book Review'Sagan's informed and dramatically enacted speculations into the mysteries of the universe . . . make Contact an exciting adventure' Publishers Weekly
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CONTACT
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Cal and Jenna risk everything by breaking strict Non-Contact rules in this exciting futuristic drama about acceptance, trust and teamwork from award-winning author Malorie Blackman. In a post-apocalyptic world where everyone wears Non-Contact suits to survive and where you can never touch another person directly, Cal and Jenna have formed a football team.Not virtual – real football, with real contact. But Jenna's horrible twin Jacob is suspicious and it looks like they're headed for disaster…Can the team reach out to Jacob and convince him that making contact is also what makes us feel alive? Particularly suitable for readers aged 9+ with a reading age of 7.
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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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Is it common to contact the employer when applying for a loan?
It is not common to contact the employer when applying for a loan. Typically, lenders will verify employment and income through documentation provided by the borrower, such as pay stubs or tax returns. Contacting the employer directly may not be necessary unless there are specific circumstances that require additional verification or explanation. It is best to follow the lender's instructions and provide the requested documentation to support your loan application.
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Do you contact your landlord/property manager by phone or email?
I contact my landlord/property manager primarily by email. I find that it is easier to keep a record of our communication and it allows me to clearly articulate any issues or requests. Additionally, email allows for a more convenient and timely response, as my landlord/property manager can reply at their convenience. However, for urgent matters, I will also contact them by phone.
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Should I finance my entire studies with a student loan?
It is not advisable to finance your entire studies with a student loan. While student loans can be helpful in covering some of the costs of education, relying solely on loans can lead to a significant amount of debt that may be difficult to repay after graduation. It is important to explore other options such as scholarships, grants, part-time work, or saving money beforehand to reduce the amount you need to borrow. It is recommended to borrow only what is necessary and to have a clear plan for how you will manage the debt after completing your studies.
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