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mortgage and earning income in the 25 percent tax bracket. The proposal would take away $4,400 of the tax benefit. Stretch said consolidate payment shock might be as much psychological as financial. However, the commercial banks will ensure that where financing facilities are extended by them to the exporters for availing refinance facilities under consolidate payment Export finance Scheme and their maximum margin does not exceed 1.5 percent p.a. Mac deputy chief economist. “The large share of borrowers who took cash out when refinancing their mortgages combined with the strong overall refinance volume led to an extraction of home equity through prime first-lien refinances of $60.4 billion, almost equal to the revised estimate of $60.7 billion extracted in the second quarter. With the expectation that mortgage consolidate payment will rise further in the fourth quarter, refinance volumes overall should slow but cash-out refis will continue to be in demand, and equity extraction through refinance should hit over $200 billion this year, falling to about $114 billion in 2006.” The financing facilities under Part-B Export Sales of the Scheme for financing consolidate payment manufactured machinery shall also attract similar mark up rate structure, however other instructions on the subject will remain unchanged. ``It also has a piece of consolidate payment dream about it,'' he said. ``It's not just what people get now, but what they hope and dream they're going to have someday. I think a lot of taxpayers who would never have a mortgage above the consolidate payment sure hope they would.'' In today`s changing economy, one professor of economics stresses the importance of consumer education. Mortgages eligible for the tax break would be limited by a formula reflecting the average regional price of housing. If in place today, that range would spread from $227,000 to $412,000. Mortgages for second homes and interest paid on home equity loans would not be eligible for the credit. Taxpayers who currently own homes would have five years before they had to consolidate payment the new credit. During that period of transition, a taxpayer could still take a