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It can be either an individual or a company that is lending money on collateral-basis. Sometimes a management company is hired to look after the building and grounds, this is also paid for with the strata fee. LOSE = LOSE situation for the taxpayer. If you have overlapping mortgages, you have to qualify for the combined monthly payments as if they were one big home loan-even if the overlap period is just a week, Herpers says. INITIAL INTEREST RATE - usually one to three percentage points lower than that of most fixed-rate mortgages.

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