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than the introductory rate. Calculating this is IMPORTANT for ARM buyers, since it helps you predict the future interest rate of your loan. Margin - This home loan bankruptcy bad credit to the banks profit margin above the value of the financial index. The bank seeks to make a profit above the costs of inflation. The index is a measure of the cost of funds home loan bankruptcy bad credit measured by inflation. Index - A publicly published financial index such as LIBOR
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