| such as buildings. Real estate is often considered synonymous with real property (also sometimes called realty), in contrast with personal property (also 1st and 2nd home mortgage called chattel or personalty). However, for technical purposes, some people prefer to distinguish real estate, referring to the land and fixtures themselves, from real property. Banks are willing to make such loans at favorable rates in large part because if the borrower does not make payments the lender can foreclose, that is file a court action that lets them take the property and 1st and 2nd home mortgage it to get their money back. But in many developing countries there 1st and 2nd home mortgage no effective means by which a lender could foreclose, so the mortgage loan industry as such either does not exist at all or is only available to members of privileged social classes. Cynthia Mertens, law professor at Santa Clara 1st and 2nd home mortgage contends the Legislature should extend the protection to refinanced loans. But she sees little support for such a move and predicts the law ``will stay exactly where it is.'' life estate, at common law is an estate in real |
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