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and each parcel consolidation debt loan personal uk unsecured land has unique characteristics, so the real estate industry has evolved into several distinct fields. Specialists are often called on to valuate real estate and facilitate transactions. Some kinds of real estate businesses include: Appraisal - Professional valuation services Brokerages - Assisting buyers and sellers in transactions Development - Improving land for use by consolidation debt loan personal uk unsecured or replacing buildings Property management - Managing a property for its owner(s) Relocation services - Relocating people or business to different country In owner-occupancy, the landlord - tenant relationship is short-circuited. Consider two people, A and B, each of whom owns property. If A lives in B's property, and B lives in A's, two financial transactions take place - each pays rent to the other. But if consolidation debt loan personal uk unsecured and B are both owner occupiers, no money changes hands, even though the same economic relationships exists; there are still two owners and two occupiers, but the transactions consolidation debt loan personal uk unsecured them no longer go through the market. The amount that would have changed hands had the owner and occupier been different persons is called the imputed rent. The effect of owner occupancy is therefore that the imputed rents disappear from measures of national income and output, unless figures are added consolidation debt loan personal uk unsecured take them into account. Government loses the opportunity to tax the transaction. Sometimes governments have attempted to tax the imputed rent (Schedule A of the U.K. income tax used to do this), but this tends to be unpopular because most people do not understand the concept of imputed rent. In modern economies, variations in the rate of owner occupancy are a good index of the overall wealth of the nation, at least across time within a nation. Between nations, variations consolidation debt loan personal uk unsecured traditions and in tax regimes make such comparisons hard to interpret. It is widely believed by politicians that owner-occupiers are more likely to vote for parties of the right, and such parties therefore consolidation debt loan personal uk unsecured take steps to encourage home ownership. The Cash-Out Refinance Report also revealed that properties refinanced during the third quarter of 2005 experienced a median house-price appreciation of 23 percent mortgage consolidation debt loan personal uk unsecured
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