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he backed out just before debt consolidation calculator the loan paperwork to refinance his home in the 1990s. Although it meant he would pay more mortgage interest, he considered it his ``equity insurance policy.'' ``I'm a risk-averse person,'' Nelson said. ``I got to the closing and said, `Pardon me, I'm not going to do it.' '' Real estate is a legal term that encompasses land along with anything permanently affixed to the land, such as buildings. Real estate is often considered synonymous with debt consolidation calculator property (also sometimes called realty), in contrast with personal property (also sometimes called chattel or personalty). However, for technical purposes, debt consolidation calculator 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 debt consolidation calculator 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 sell it to get their money back. But in many developing countries


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