149:
25:
4132:
4158:
4145:
210:
the first three to five years of the loan, and it then becomes variable. In
Australia, "honeymoon" mortgages with introductory rates are common, but can last as short as a year, and may instead offer a fixed reduction in interest rate rather than a fixed rate itself. Furthermore, they are often combined with properties of
209:
In Canada, the longest term for which a mortgage rate can be fixed is typically no more than ten years, while mortgage maturities are commonly 25 years. In
Denmark, fixed-rate 30-year mortgages are the standard form of home loan. A fixed rate mortgage in Singapore has the interest rate fixed for only
276:
Some studies have shown that the majority of borrowers with adjustable rate mortgages save money in the long term but also that some borrowers pay more. The price of potentially saving money, in other words, is balanced by the risk of potentially higher costs. In each case, a choice would need to be
2985:
This derivation illustrates three key components of fixed-rate loans: (1) the fixed monthly payment depends upon the amount borrowed, the interest rate, and the length of time over which the loan is repaid; (2) the amount owed every month equals the amount owed from the previous month plus interest
102:
remains the same through the term of the loan, as opposed to loans where the interest rate may adjust or "float". As a result, payment amounts and the duration of the loan are fixed and the person who is responsible for paying back the loan benefits from a consistent, single payment and the ability
201:
resulted in widespread foreclosures. The fixed-rate mortgage was the first mortgage loan that was fully amortized (fully paid at the end of the loan) precluding successive loans, and had fixed interest rates and payments. Fixed-rate mortgages are the most classic form of loan for home and product
144:
Fixed-rate mortgages are vulnerable to inflation risk, which means that borrowers with such mortgages are better off under unexpectedly high inflation (as the inflation lowers the real present value of their loan repayments), while they are worse off if there is a drop in inflation that lowers
702:
This monthly payment formula is easy to derive, and the derivation illustrates how fixed-rate mortgage loans work. The amount owed on the loan at the end of every month equals the amount owed from the previous month, plus the interest on this amount, minus the fixed amount paid every month.
268:
The fact that a fixed-rate mortgage has a higher starting interest rate does not indicate that it is a worse type of borrowing than an adjustable-rate mortgage. If interest rates rise, the ARM will cost more, but the FRM will cost the same. In effect, the lender has agreed to take the
206:. The most common terms are 15-year and 30-year mortgages, but shorter terms are available, and 40-year and 50-year mortgages are now available (common in areas with high housing costs, where even a 30-year term leaves the monthly payments out of reach of the average family).
169:
The final cost will be exactly the same: * when the interest rate is 2.5% and the term is 30 years than when the interest rate is 5% and the term is 15 years * when the interest rate is 5% and the term is 30 years than when the interest rate is 10% and the term is 15
145:
interest rates. Fixed-rate mortgages usually charge higher interest rates than those with adjustable rates. According to scholars, "borrowers should generally prefer adjustable-rate over fixed-rate mortgages, unless interest rates are low."
1852:
1700:
293:
The fixed monthly payment for a fixed rate mortgage is the amount paid by the borrower every month that ensures that the loan is paid off in full with interest at the end of its term. This monthly payment
2610:
2859:
2740:
1478:
2160:
1360:
3098:
245:. Lenders, in turn, influence consumer decisions which already prefer lower initial monthly payments. Nationwide Commercial recently issued a 30-year fixed rate mortgage as bridging finance.
229:
with the interest rate locked in for the first two to five years. At the end of that time, many borrowers refinance their mortgages to lock in another stable rate for the next few years. The
2986:
on that amount, minus the fixed monthly payment; (3) the fixed monthly payment is chosen so that the loan is paid off in full with interest at the end of its term and no more money is owed.
2976:
2033:
496:
1146:
1056:
2498:
1930:
257:
makes long-term fixed rate loans tend to have a higher interest rate than short-term loans. The relationship between interest rates for short and long-term loans is represented by the
2376:
807:
2297:
1551:
1214:
938:
870:
2437:
614:
643:
576:
534:
695:
2902:
2220:
2640:
1243:
967:
736:
390:
2764:
2185:
418:
363:
335:
312:
197:
by insuring them and by doing so helped the mortgage design garner usage. Because of the large payment at the end of the older, balloon-payment loan,
277:
made based upon the loan term, the current interest rate, and the likelihood that the rate will increase or decrease during the life of the loan.
35:
4116:
1706:
1557:
289:: Fixed-rate mortgage interest may be compounded differently in other countries, such as in Canada, where it is compounded every 6 months.
4071:
342:
2510:
3577:
3258:
237:, whose raised funds must be at least 50% deposits, so lenders prefer variable-rate mortgages to fixed-rate mortgages, to reduce
230:
4086:
2770:
2647:
3208:
1366:
3476:
3190:
148:
2044:
1249:
503:
For example, for a home loan for $ 200,000 with a fixed yearly nominal interest rate of 6.5% for 30 years, the principal is
4076:
4101:
218:, which often allow borrowers to overpay to reduce interest charges and then draw on these overpayments in the future.
3899:
3582:
2908:
1938:
428:
397:
69:
1062:
3385:
3007:
973:
111:
4056:
4036:
3501:
2443:
1858:
190:
4162:
2303:
261:, which generally slopes upward (longer terms are more expensive). The opposite circumstance is known as an
4066:
4010:
3615:
3358:
747:
238:
2230:
1489:
4015:
4005:
3572:
3251:
3176:
1158:
882:
814:
130:. Unlike many other loan types, FRM interest payments and loan duration is fixed from beginning to end.
3672:
3562:
2382:
581:
3620:
3517:
3469:
3412:
3407:
3532:
3349:
3295:
3002:
226:
194:
127:
115:
51:
47:
619:
539:
506:
4148:
3814:
3703:
3552:
675:
3914:
3874:
3640:
3433:
3244:
2868:
338:
3975:
3955:
3929:
3919:
3879:
3747:
3708:
3610:
3567:
3557:
3542:
3522:
3227:
3180:
2036:
253:
Fixed-rate mortgages are usually more expensive than adjustable rate mortgages. The inherent
123:
43:
2190:
4136:
3889:
3819:
3682:
3625:
3547:
3537:
3527:
3462:
3123:
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1221:
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714:
368:
262:
8:
4046:
3869:
3864:
3698:
3603:
3598:
3417:
2990:
215:
657:. In the example, the monthly payment is obtained by entering either of these formulas:
4096:
3970:
3924:
3904:
3737:
3718:
3660:
3635:
3330:
3326:
3316:
3276:
3149:
2749:
2170:
403:
348:
320:
297:
270:
254:
242:
107:
345:
by 100 and by 12 to obtain the monthly interest rate), the number of monthly payments
193:(FHA) helped develop and standardize the fixed rate mortgage as an alternative to the
4184:
4000:
3809:
3792:
3752:
3677:
3667:
3645:
3630:
3375:
3186:
3065:
211:
138:
4020:
3995:
3894:
3836:
3797:
3757:
3340:
3205:
3055:
234:
198:
119:
3884:
3831:
3379:
3212:
2989:
The vendor may sell off the fix element as a "fixed to floating" derivative, see
654:
99:
4111:
4091:
4051:
3990:
3772:
3742:
3354:
393:
4178:
3909:
3841:
3826:
3655:
3267:
3069:
315:
203:
187:
183:
141:, and duration. With these values, the monthly repayments can be calculated.
134:
95:
91:
4081:
3980:
3965:
3939:
3762:
3728:
3443:
4106:
3960:
3782:
3777:
3650:
3485:
3439:
3182:
World
Economic Outlook: September 2004: The Global Demographic Transition
3060:
3043:
650:
258:
4061:
3934:
3401:
1847:{\displaystyle P_{N}=P_{0}(1+r)^{N}-c((1+r)^{N-1}+(1+r)^{N-2}....+1)}
1695:{\displaystyle P_{N}=P_{0}(1+r)^{N}-c(1+r)^{N-1}-c(1+r)^{N-2}....-c}
4041:
3985:
3787:
3713:
3496:
3022:
2222:
series are the same so when you subtract all but two terms cancel:
179:
The availability of fixed-rate mortgages varies between countries.
156:
3017:
3236:
3846:
3454:
155:(3 Fixed Interest Rates & 2 Loan Term) = Loan Principal +
3802:
3012:
2605:{\displaystyle P_{N}=P_{0}(1+r)^{N}-c{{(1+r)^{N}-1} \over r}}
160:
34:
deal primarily with the United States and do not represent a
3767:
3175:
164:
133:
Fixed-rate mortgages are characterized by amount of loan,
3150:"Mortgage crisis: 'We can't pay an extra ÂŁ1,400 a month'"
3044:"Popular Personal Financial Advice versus the Professors"
2854:{\displaystyle c={{r(1+r)^{N}} \over {(1+r)^{N}-1}}P_{0}}
2735:{\displaystyle 0=P_{0}(1+r)^{N}-c{{(1+r)^{N}-1} \over r}}
1473:{\displaystyle P_{3}=P_{0}(1+r)^{3}-c(1+r)^{2}-c(1+r)-c}
645:. This formula is provided using the financial function
2155:{\displaystyle S(1+r)=(1+r)^{N}+(1+r)^{N-1}....+(1+r)}
1355:{\displaystyle P_{3}=(P_{0}(1+r)^{2}-c(1+r)-c)(1+r)-c}
2911:
2871:
2773:
2752:
2650:
2621:
2513:
2446:
2385:
2306:
2233:
2193:
2173:
2047:
1941:
1861:
1709:
1560:
1492:
1369:
1252:
1224:
1161:
1065:
976:
948:
885:
817:
750:
717:
678:
622:
584:
542:
509:
431:
406:
371:
351:
323:
300:
398:
formula for the present value of an ordinary annuity
341:, not a percentage, i.e., divide the quoted yearly
2970:
2896:
2853:
2758:
2734:
2634:
2604:
2492:
2431:
2370:
2291:
2214:
2179:
2154:
2027:
1924:
1846:
1694:
1545:
1472:
1354:
1237:
1208:
1140:
1050:
961:
932:
864:
801:
730:
689:
669:=((6.5/100/12)/(1-(1+6.5/100/12)^(-30*12)))*200000
637:
608:
570:
528:
490:
412:
384:
357:
329:
306:
3082:
4176:
3206:http://www.ifid.ca/pdf_workingpapers/WP2001A.pdf
2642:will be zero because we have paid the loan off.
365:called the loan's term, and the amount borrowed
3185:. International Monetary Fund. pp. 81–83.
3085:Mortgage and Mortgage-backed Securities Markets
2971:{\displaystyle c={r \over {1-(1+r)^{-N}}}P_{0}}
2028:{\displaystyle S=(1+r)^{N-1}+(1+r)^{N-2}....+1}
491:{\displaystyle c={r \over {1-(1+r)^{-N}}}P_{0}}
3083:Fabozzi, Frank J.; Modigliani, Franco (1992),
4117:List of housing markets by real estate prices
3470:
3252:
1141:{\displaystyle P_{2}=P_{0}(1+r)^{2}-c(1+r)-c}
174:
32:The examples and perspective in this article
3087:, Harvard Business School Press, p. 19
1051:{\displaystyle P_{2}=(P_{0}(1+r)-c)(1+r)-c}
103:to plan a budget based on this fixed cost.
4157:
3477:
3463:
3259:
3245:
3076:
16:Mortgage loan repaid in equal installments
3059:
2493:{\displaystyle S={{(1+r)^{N}-1} \over r}}
1925:{\displaystyle P_{N}=P_{0}(1+r)^{N}-c(S)}
70:Learn how and when to remove this message
147:
3171:
3169:
231:mortgage industry of the United Kingdom
4177:
2371:{\displaystyle S((1+r)-1)=(1+r)^{N}-1}
106:Other forms of mortgage loans include
3458:
3240:
3147:
802:{\displaystyle P_{1}=P_{0}+P_{0}*r-c}
4144:
3166:
3143:
3141:
3041:
2292:{\displaystyle S(1+r)-S=(1+r)^{N}-1}
2167:With the exception of two terms the
1546:{\displaystyle P_{N}=P_{N-1}(1+r)-c}
578:, the number of monthly payments is
233:has traditionally been dominated by
114:, variable rate mortgage (including
18:
13:
4102:Undergraduate real estate programs
1209:{\displaystyle P_{3}=P_{2}(1+r)-c}
933:{\displaystyle P_{2}=P_{1}(1+r)-c}
865:{\displaystyle P_{1}=P_{0}(1+r)-c}
629:
14:
4196:
3900:Investment rating for real estate
3266:
3221:
3138:
809:( principal + interest – payment)
4156:
4143:
4131:
4130:
3121:
3048:Journal of Economic Perspectives
2505:Putting equation 6 back into 3:
2432:{\displaystyle S(r)=(1+r)^{N}-1}
609:{\displaystyle N=30\cdot 12=360}
23:
3484:
3386:graduated payment mortgage loan
3298:/ variable-rate / floating rate
3008:Singapore Swap Offer Rate (SOR)
536:, the monthly interest rate is
4057:Graduate real estate education
3502:Tertiary sector of the economy
3199:
3115:
3099:"Main Types of Mortgage Loans"
3091:
3035:
2943:
2930:
2885:
2872:
2823:
2810:
2799:
2786:
2711:
2698:
2680:
2667:
2581:
2568:
2550:
2537:
2469:
2456:
2414:
2401:
2395:
2389:
2353:
2340:
2334:
2325:
2313:
2310:
2274:
2261:
2249:
2237:
2209:
2197:
2149:
2137:
2107:
2094:
2082:
2069:
2063:
2051:
1992:
1979:
1961:
1948:
1919:
1913:
1898:
1885:
1841:
1808:
1795:
1777:
1764:
1761:
1746:
1733:
1659:
1646:
1625:
1612:
1597:
1584:
1534:
1522:
1461:
1449:
1434:
1421:
1406:
1393:
1343:
1331:
1328:
1319:
1307:
1292:
1279:
1266:
1197:
1185:
1129:
1117:
1102:
1089:
1039:
1027:
1024:
1015:
1003:
990:
921:
909:
853:
841:
463:
450:
248:
214:to create what is known as an
191:Federal Housing Administration
167:) + Total interest to be paid.
124:negative amortization mortgage
1:
3148:Jones, Charlie (2023-06-20).
3028:
664:=PMT(6.5/100/12,30*12,200000)
4011:Real estate investment trust
3616:Extraterrestrial real estate
3359:shared appreciation mortgage
3232:Daily Mortgage Market Survey
638:{\displaystyle c=\$ 1264.14}
616:, the fixed monthly payment
571:{\displaystyle r=6.5/100/12}
529:{\displaystyle P_{0}=200000}
153:Mortgage Loan. Total Payment
7:
4016:Real property administrator
4006:Real estate investment club
3177:International Monetary Fund
2996:
2865:Divide top and bottom with
46:, discuss the issue on the
10:
4201:
3673:Private equity real estate
3228:Daily Fixed Mortgage Rates
690:{\displaystyle {}=1264.14}
280:
175:Usage throughout the world
112:graduated payment mortgage
4125:
4029:
3948:
3855:
3727:
3691:
3621:International real estate
3591:
3510:
3492:
3426:
3413:foreign national mortgage
3408:foreign currency mortgage
3394:
3368:
3305:
3283:
3274:
3126:. The Mortgage Calculator
2897:{\displaystyle (1+r)^{N}}
314:depends upon the monthly
116:adjustable-rate mortgages
3350:balloon payment mortgage
3296:adjustable-rate mortgage
3230:by Mortgage News Daily,
3003:Adjustable-rate mortgage
1484:Amount owed at month N:
1153:Amount owed at month 3:
877:Amount owed at month 2:
742:Amount owed at month 1:
709:Amount owed at month 0:
239:asset–liability mismatch
227:adjustable-rate mortgage
225:is the name given to an
195:balloon payment mortgage
128:balloon payment mortgage
3815:Real estate transaction
3704:Real estate development
3382:, mortgage accelerator)
3042:Choi, James J. (2022).
400:we get the formula for
343:nominal percentage rate
265:and occurs less often.
3915:Real estate derivative
3875:Effective gross income
3641:Healthcare real estate
3434:Annual percentage rate
3327:interest-only mortgage
2972:
2898:
2855:
2760:
2736:
2636:
2606:
2494:
2433:
2372:
2293:
2225:Using equation 4 and 5
2216:
2215:{\displaystyle S(1+r)}
2181:
2156:
2029:
1926:
1848:
1696:
1547:
1474:
1356:
1239:
1210:
1142:
1052:
963:
934:
866:
803:
732:
691:
639:
610:
572:
530:
492:
414:
386:
359:
331:
308:
273:on a fixed-rate loan.
171:
108:interest only mortgage
4072:Industry trade groups
3976:Exclusive buyer agent
3930:Real estate valuation
3920:Real estate economics
3880:Gross rent multiplier
3709:Real estate investing
3611:Corporate Real Estate
3124:"Fixed Rate Mortgage"
2973:
2899:
2856:
2761:
2737:
2637:
2635:{\displaystyle P_{N}}
2607:
2495:
2434:
2373:
2294:
2217:
2182:
2157:
2037:geometric progression
2030:
1927:
1849:
1697:
1548:
1475:
1357:
1240:
1238:{\displaystyle P_{2}}
1218:Using equation 2 for
1211:
1143:
1053:
964:
962:{\displaystyle P_{1}}
942:Using equation 1 for
935:
867:
804:
733:
731:{\displaystyle P_{0}}
692:
640:
611:
573:
531:
493:
415:
387:
385:{\displaystyle P_{0}}
360:
332:
309:
151:
139:compounding frequency
3890:Highest and best use
3856:Economics, financing
3820:Real estate contract
3714:Real estate flipping
3683:Residential property
3626:Lease administration
3578:United Arab Emirates
3061:10.1257/jep.36.4.167
2909:
2869:
2771:
2750:
2648:
2619:
2511:
2444:
2383:
2304:
2231:
2191:
2171:
2045:
1939:
1859:
1707:
1558:
1490:
1367:
1250:
1222:
1159:
1063:
974:
946:
883:
815:
748:
715:
676:
620:
582:
540:
507:
429:
404:
392:known as the loan's
369:
349:
321:
298:
263:inverted yield curve
52:create a new article
44:improve this article
3870:Capitalization rate
3865:Asset-based lending
3699:Property management
3604:Commercial building
3599:Commercial property
3418:wraparound mortgage
3291:fixed-rate mortgage
2991:Black-Scholes model
223:fixed-rate mortgage
216:Australian mortgage
84:fixed-rate mortgage
4097:Real estate trends
4001:Real estate broker
3971:Chartered Surveyor
3925:Real estate bubble
3905:Mortgage insurance
3738:Adverse possession
3661:Luxury real estate
3636:Garden real estate
3331:endowment mortgage
3317:Repayment mortgage
3284:Interest rate type
3277:Financial literacy
3211:2006-12-02 at the
2968:
2894:
2851:
2756:
2732:
2632:
2602:
2490:
2429:
2368:
2289:
2212:
2177:
2152:
2035:(equation 4) (see
2025:
1922:
1844:
1692:
1543:
1470:
1352:
1235:
1206:
1138:
1048:
959:
930:
862:
799:
728:
687:
635:
606:
568:
526:
488:
410:
396:; rearranging the
382:
355:
327:
304:
271:interest rate risk
255:interest rate risk
243:interest rate risk
235:building societies
212:flexible mortgages
202:purchasing in the
172:
4172:
4171:
3810:Property abstract
3793:Land registration
3753:Concurrent estate
3678:Real estate owned
3668:Off-plan property
3646:Vacation property
3631:Niche real estate
3452:
3451:
3376:flexible mortgage
3323:Repayment at term
3192:978-1-58906-406-5
3103:financedenmark.dk
2956:
2839:
2759:{\displaystyle c}
2730:
2600:
2488:
2180:{\displaystyle S}
476:
413:{\displaystyle c}
358:{\displaystyle N}
330:{\displaystyle r}
307:{\displaystyle c}
120:tracker mortgages
80:
79:
72:
54:, as appropriate.
4192:
4160:
4159:
4147:
4146:
4134:
4133:
4077:Investment firms
3996:Property manager
3895:Home equity loan
3798:Leasehold estate
3758:Conditional sale
3479:
3472:
3465:
3456:
3455:
3395:Other variations
3369:Variable payment
3341:reverse mortgage
3319:/ self-amortized
3261:
3254:
3247:
3238:
3237:
3215:
3203:
3197:
3196:
3173:
3164:
3163:
3161:
3160:
3145:
3136:
3135:
3133:
3131:
3119:
3113:
3112:
3110:
3109:
3095:
3089:
3088:
3080:
3074:
3073:
3063:
3039:
2977:
2975:
2974:
2969:
2967:
2966:
2957:
2955:
2954:
2953:
2919:
2903:
2901:
2900:
2895:
2893:
2892:
2860:
2858:
2857:
2852:
2850:
2849:
2840:
2838:
2831:
2830:
2808:
2807:
2806:
2781:
2765:
2763:
2762:
2757:
2746:We want to know
2741:
2739:
2738:
2733:
2731:
2726:
2719:
2718:
2696:
2688:
2687:
2666:
2665:
2641:
2639:
2638:
2633:
2631:
2630:
2611:
2609:
2608:
2603:
2601:
2596:
2589:
2588:
2566:
2558:
2557:
2536:
2535:
2523:
2522:
2499:
2497:
2496:
2491:
2489:
2484:
2477:
2476:
2454:
2438:
2436:
2435:
2430:
2422:
2421:
2377:
2375:
2374:
2369:
2361:
2360:
2298:
2296:
2295:
2290:
2282:
2281:
2221:
2219:
2218:
2213:
2186:
2184:
2183:
2178:
2161:
2159:
2158:
2153:
2121:
2120:
2090:
2089:
2034:
2032:
2031:
2026:
2006:
2005:
1975:
1974:
1931:
1929:
1928:
1923:
1906:
1905:
1884:
1883:
1871:
1870:
1853:
1851:
1850:
1845:
1822:
1821:
1791:
1790:
1754:
1753:
1732:
1731:
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1701:
1699:
1698:
1693:
1673:
1672:
1639:
1638:
1605:
1604:
1583:
1582:
1570:
1569:
1552:
1550:
1549:
1544:
1521:
1520:
1502:
1501:
1479:
1477:
1476:
1471:
1442:
1441:
1414:
1413:
1392:
1391:
1379:
1378:
1361:
1359:
1358:
1353:
1300:
1299:
1278:
1277:
1262:
1261:
1244:
1242:
1241:
1236:
1234:
1233:
1215:
1213:
1212:
1207:
1184:
1183:
1171:
1170:
1147:
1145:
1144:
1139:
1110:
1109:
1088:
1087:
1075:
1074:
1057:
1055:
1054:
1049:
1002:
1001:
986:
985:
968:
966:
965:
960:
958:
957:
939:
937:
936:
931:
908:
907:
895:
894:
871:
869:
868:
863:
840:
839:
827:
826:
808:
806:
805:
800:
786:
785:
773:
772:
760:
759:
737:
735:
734:
729:
727:
726:
696:
694:
693:
688:
680:
670:
665:
648:
644:
642:
641:
636:
615:
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569:
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556:
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497:
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477:
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473:
439:
419:
417:
416:
411:
391:
389:
388:
383:
381:
380:
364:
362:
361:
356:
337:(expressed as a
336:
334:
333:
328:
313:
311:
310:
305:
199:refinancing risk
75:
68:
64:
61:
55:
27:
26:
19:
4200:
4199:
4195:
4194:
4193:
4191:
4190:
4189:
4175:
4174:
4173:
4168:
4121:
4025:
3944:
3885:Hard money loan
3857:
3851:
3832:Rent regulation
3723:
3687:
3587:
3506:
3488:
3483:
3453:
3448:
3422:
3390:
3380:offset mortgage
3364:
3301:
3279:
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3224:
3219:
3218:
3213:Wayback Machine
3204:
3200:
3193:
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3120:
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2999:
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2958:
2946:
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2867:
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2657:
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2584:
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2509:
2508:
2472:
2468:
2455:
2453:
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2413:
2384:
2381:
2380:
2356:
2352:
2305:
2302:
2301:
2277:
2273:
2232:
2229:
2228:
2192:
2189:
2188:
2172:
2169:
2168:
2110:
2106:
2085:
2081:
2046:
2043:
2042:
1995:
1991:
1964:
1960:
1940:
1937:
1936:
1901:
1897:
1879:
1875:
1866:
1862:
1860:
1857:
1856:
1811:
1807:
1780:
1776:
1749:
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1727:
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1708:
1705:
1704:
1662:
1658:
1628:
1624:
1600:
1596:
1578:
1574:
1565:
1561:
1559:
1556:
1555:
1510:
1506:
1497:
1493:
1491:
1488:
1487:
1437:
1433:
1409:
1405:
1387:
1383:
1374:
1370:
1368:
1365:
1364:
1295:
1291:
1273:
1269:
1257:
1253:
1251:
1248:
1247:
1229:
1225:
1223:
1220:
1219:
1179:
1175:
1166:
1162:
1160:
1157:
1156:
1105:
1101:
1083:
1079:
1070:
1066:
1064:
1061:
1060:
997:
993:
981:
977:
975:
972:
971:
953:
949:
947:
944:
943:
903:
899:
890:
886:
884:
881:
880:
835:
831:
822:
818:
816:
813:
812:
781:
777:
768:
764:
755:
751:
749:
746:
745:
722:
718:
716:
713:
712:
679:
677:
674:
673:
668:
663:
646:
621:
618:
617:
583:
580:
579:
560:
552:
541:
538:
537:
514:
510:
508:
505:
504:
482:
478:
466:
462:
443:
438:
430:
427:
426:
405:
402:
401:
376:
372:
370:
367:
366:
350:
347:
346:
322:
319:
318:
299:
296:
295:
283:
251:
177:
168:
76:
65:
59:
56:
41:
28:
24:
17:
12:
11:
5:
4198:
4188:
4187:
4170:
4169:
4167:
4166:
4163:List of topics
4153:
4140:
4126:
4123:
4122:
4120:
4119:
4114:
4112:Urban planning
4109:
4104:
4099:
4094:
4092:Property cycle
4089:
4084:
4079:
4074:
4069:
4064:
4059:
4054:
4052:Gentrification
4049:
4044:
4039:
4033:
4031:
4027:
4026:
4024:
4023:
4018:
4013:
4008:
4003:
3998:
3993:
3991:Moving company
3988:
3983:
3978:
3973:
3968:
3963:
3958:
3952:
3950:
3946:
3945:
3943:
3942:
3937:
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3927:
3922:
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3834:
3829:
3824:
3823:
3822:
3812:
3807:
3806:
3805:
3795:
3790:
3785:
3780:
3775:
3773:Eminent domain
3770:
3765:
3760:
3755:
3750:
3745:
3743:Chain of title
3740:
3734:
3732:
3731:and regulation
3725:
3724:
3722:
3721:
3716:
3711:
3706:
3701:
3695:
3693:
3689:
3688:
3686:
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3595:
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3583:United Kingdom
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3555:
3550:
3545:
3540:
3535:
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3420:
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3410:
3405:
3398:
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3392:
3391:
3389:
3388:
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3372:
3370:
3366:
3365:
3363:
3362:
3355:equity release
3352:
3343:
3334:
3320:
3309:
3307:
3306:Repayment type
3303:
3302:
3300:
3299:
3293:
3287:
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3275:
3272:
3271:
3264:
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3256:
3249:
3241:
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3223:
3222:External links
3220:
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3216:
3198:
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3054:(4): 167–192.
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1199:
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1038:
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1000:
996:
992:
989:
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969:
956:
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940:
929:
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923:
920:
917:
914:
911:
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902:
898:
893:
889:
875:
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873:
861:
858:
855:
852:
849:
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843:
838:
834:
830:
825:
821:
810:
798:
795:
792:
789:
784:
780:
776:
771:
767:
763:
758:
754:
740:
739:
738:
725:
721:
700:
699:
698:
697:
686:
683:
671:
666:
634:
631:
628:
625:
605:
602:
599:
596:
593:
590:
587:
567:
563:
559:
555:
551:
548:
545:
525:
522:
517:
513:
501:
500:
499:
498:
485:
481:
472:
469:
465:
461:
458:
455:
452:
449:
446:
442:
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434:
409:
379:
375:
354:
326:
303:
291:
290:
282:
279:
250:
247:
176:
173:
78:
77:
38:of the subject
36:worldwide view
31:
29:
22:
15:
9:
6:
4:
3:
2:
4197:
4186:
4183:
4182:
4180:
4165:
4164:
4154:
4152:
4151:
4141:
4139:
4138:
4128:
4127:
4124:
4118:
4115:
4113:
4110:
4108:
4105:
4103:
4100:
4098:
4095:
4093:
4090:
4088:
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4083:
4080:
4078:
4075:
4073:
4070:
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4065:
4063:
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4050:
4048:
4045:
4043:
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4028:
4022:
4019:
4017:
4014:
4012:
4009:
4007:
4004:
4002:
3999:
3997:
3994:
3992:
3989:
3987:
3984:
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3959:
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3936:
3933:
3931:
3928:
3926:
3923:
3921:
3918:
3916:
3913:
3911:
3910:Mortgage loan
3908:
3906:
3903:
3901:
3898:
3896:
3893:
3891:
3888:
3886:
3883:
3881:
3878:
3876:
3873:
3871:
3868:
3866:
3863:
3862:
3860:
3858:and valuation
3854:
3848:
3845:
3843:
3842:Torrens title
3840:
3838:
3835:
3833:
3830:
3828:
3827:Real property
3825:
3821:
3818:
3817:
3816:
3813:
3811:
3808:
3804:
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3800:
3799:
3796:
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3786:
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3697:
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3690:
3684:
3681:
3679:
3676:
3674:
3671:
3669:
3666:
3662:
3659:
3657:
3656:Golf property
3654:
3652:
3649:
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3642:
3639:
3637:
3634:
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3629:
3627:
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3529:
3526:
3524:
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3516:
3515:
3513:
3509:
3503:
3500:
3498:
3495:
3494:
3491:
3487:
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3294:
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3273:
3269:
3268:Mortgage loan
3262:
3257:
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3250:
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2019:
2016:
2013:
2010:
2007:
2002:
1999:
1996:
1988:
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1982:
1976:
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1968:
1965:
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1954:
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1934:
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982:
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918:
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912:
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623:
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425:
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352:
344:
340:
324:
317:
316:interest rate
301:
288:
285:
284:
278:
274:
272:
266:
264:
260:
256:
246:
244:
240:
236:
232:
228:
224:
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207:
205:
204:United States
200:
196:
192:
189:
188:United States
185:
184:United States
180:
166:
162:
158:
154:
150:
146:
142:
140:
136:
135:interest rate
131:
129:
125:
121:
117:
113:
109:
104:
101:
97:
96:interest rate
93:
92:mortgage loan
89:
85:
74:
71:
63:
53:
49:
45:
39:
37:
30:
21:
20:
4161:
4149:
4135:
4082:Land banking
3981:Land banking
3966:Buyer broker
3940:Rental value
3763:Conveyancing
3573:Saudi Arabia
3444:Repossession
3427:Key concepts
3345:
3337:No repayment
3336:
3322:
3312:
3290:
3231:
3201:
3181:
3157:. Retrieved
3153:
3128:. Retrieved
3122:Reed, Mike.
3117:
3106:. Retrieved
3102:
3093:
3084:
3078:
3051:
3047:
3037:
2988:
2984:
2500:(equation 6)
2162:(equation 5)
1932:(equation 3)
1148:(equation 2)
872:(equation 1)
701:
502:
292:
286:
275:
267:
252:
222:
220:
208:
181:
178:
152:
143:
132:
105:
87:
83:
81:
66:
57:
33:
4107:Urban decay
3961:Buyer agent
3783:Foreclosure
3778:Encumbrance
3651:Arable land
3563:Puerto Rico
3511:By location
3486:Real estate
3440:Foreclosure
651:spreadsheet
259:yield curve
249:Comparisons
221:In the UK,
4062:Green belt
3935:Remortgage
3719:Relocation
3518:Bangladesh
3402:buy to let
3313:Continuous
3159:2023-06-21
3108:2021-10-05
3029:References
94:where the
60:March 2011
4047:Filtering
4037:Companies
3956:Appraiser
3837:Severance
3533:Indonesia
3070:0895-3309
2948:−
2928:−
2833:−
2721:−
2690:−
2591:−
2560:−
2479:−
2424:−
2363:−
2329:−
2284:−
2253:−
2115:−
2000:−
1969:−
1908:−
1816:−
1785:−
1756:−
1687:−
1667:−
1641:−
1633:−
1607:−
1538:−
1515:−
1465:−
1444:−
1416:−
1347:−
1323:−
1302:−
1201:−
1133:−
1112:−
1043:−
1019:−
925:−
857:−
794:−
788:∗
630:$
595:⋅
468:−
448:−
394:principal
48:talk page
4185:Mortgage
4179:Category
4137:Category
4042:Eviction
3986:Landlord
3788:Land law
3553:Pakistan
3497:Property
3404:mortgage
3209:Archived
3179:(2004).
3154:BBC News
3130:22 April
3023:FHA loan
2997:See also
653:such as
339:fraction
157:Expenses
42:You may
4150:Commons
4067:Indices
3949:Parties
3748:Closing
3692:Sectors
3018:VA loan
685:1264.14
633:1264.14
281:Pricing
241:due to
182:In the
98:on the
90:) is a
4155:
4142:
4129:
4087:People
4021:Tenant
3847:Zoning
3568:Russia
3558:Panama
3543:Turkey
3523:Canada
3346:Hybrid
3189:
3068:
1935:Where
524:200000
163:&
126:, and
4030:Other
3803:Lease
3592:Types
3548:Kenya
3538:Italy
3528:China
3436:(APR)
3013:SIBOR
655:Excel
649:in a
170:years
161:Taxes
50:, or
3768:Deed
3187:ISBN
3132:2016
3066:ISSN
2187:and
287:Note
165:fees
118:and
100:note
3729:Law
3056:doi
647:PMT
604:360
558:100
550:6.5
122:),
88:FRM
4181::
3442:/
3348::
3339::
3325::
3315::
3168:^
3152:.
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3101:.
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2993:.
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2017:.
2014:.
2011:.
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159:(
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67:(
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58:(
40:.
Text is available under the Creative Commons Attribution-ShareAlike License. Additional terms may apply.
