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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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Portsmouth Budget Hotels3.0 star property
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Central London property-ensuite, double and budget room
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A Practical Guide to Personal Finance : Budget, Invest, Spend
Make your money workfor you. A Practical Guide toPersonal Finance is crammed full of practical advice on how to save, earn and getthe most out of your money.Economics expert Michael Taillard teaches youeverything you need to know to successfully manage your financial life. Control your spendingbehaviour, by gathering and tracking financial information efficiently;simplify your financial management, by learning to use the right toolseffectively, and realise your saving goals, by understanding what you canachieve.
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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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50 sheets Retro Flower Undated Budget Planner Cardboard Cover Monthly Budget Book Undated Finance
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Nikki Heat - Naked Heat
When New York's most vicious gossip columnist is found dead, "Heat" uncovers a gallery of high profile suspects.Heat's investigation is complicated by her surprise reunion with superstar magazine journalist Jameson Rook.Sexual tension fills the air as Heat and Rook embark on a search for a killer among celebrities and mobsters, singers and hookers, pro athletes and shamed politicians.
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Nikki Heat - Heat Rises
The bizarre murder of a parish priest at a New York bondage club opens Nikki Heat's most thrilling and dangerous case so far, pitting her against New York's most vicious drug lord, an arrogant CIA contractor, and a shadowy death squad out to gun her down. And that is just the tip of an iceberg that leads to a dark conspiracy reaching all the way to the highest level of the NYPD.
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1Roll 20mm x33m Heat Tape High Temperature Heat Resistant Tape Heat Transfer Tape for Heat
1Roll 20mm x33m Heat Tape High Temperature Heat Resistant Tape Heat Transfer Tape for Heat
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Which material absorbs heat without storing heat?
A material that absorbs heat without storing it is one that has a high thermal conductivity and low heat capacity. This means that it can quickly absorb heat and transfer it away without retaining much of the heat energy. Examples of such materials include metals like aluminum and copper, as well as certain types of ceramics and carbon-based materials. These materials are often used in applications where rapid heat absorption and dissipation are required, such as in heat sinks for electronic devices or in cooking utensils.
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What is heat conduction and heat convection?
Heat conduction is the transfer of heat through a material or between materials that are in direct contact with each other. It occurs through the vibration and collision of atoms and molecules, leading to the transfer of thermal energy. On the other hand, heat convection is the transfer of heat through the movement of fluids, such as air or water. This occurs as warmer, less dense fluid rises and cooler, denser fluid sinks, creating a continuous circulation of heat transfer. Both heat conduction and heat convection are important mechanisms for the transfer of heat in various natural and engineered systems.
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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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How much heat does a heat radiator produce?
The amount of heat produced by a heat radiator depends on its size, design, and the temperature of the water or steam flowing through it. Generally, a heat radiator can produce enough heat to warm up a room or a specific area within a building. The heat output is measured in British Thermal Units (BTUs) or watts, and can vary depending on the specific model and its intended use. It's important to consider the heat output of a radiator when selecting the right one for a particular space.
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