| recognized that the lack of effective real estate laws can be a significant barrier to investment in home lender developing countries. In most societies, rich or poor, a significant fraction of the total wealth is in the form of land and buildings. In most advanced economies, the main source of capital used by individuals and small companies to purchase and improve land and buildings is mortgages -- bank loans for which the real property itself constitutes collateral. Negative amortization loan ``Don't home lender on being able to walk away from your debts by filing bankruptcy,'' said Melissa Richards, general counsel for the California Mortgage Bankers home lender ``I think you have thousands and thousands of people who refinanced and this didn't even enter into their equation,'' said Grant Nelson, a law professor at the University of California-Los Angeles. ``They didn't even think about it.'' There are many types of mortgage loans. The | |
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