Silky Smooth Hair,

             
              A home loan is a way to use their real property, like land, a house, or a building, as a promise for a loan to get money. Many people do this to buy the home they use for mortgage: the money provides them the money to buy the house and the money is guaranteed by the property.



In a mortgage, there is a debtor and a creditor. The debtor is the owner of the property, as the creditor is the owner of the loan. If the mortgage loan transaction is made, the debtor gets the money with the loan, and promises to pay the loan. The creditor will receive money back with interest over time (usually in payments made each month by the debtor). If the debtor would not pay the loan, the creditor may take the mortgaged property in place of the loan. This kind of is called foreclosure.

In the 2008 American economical failure, creditors lent money to debtors who could not pay back that money. This lowered enclosure prices and hurt the economy.

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