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The concept is very simple: credit institutes are enterprise to lend money, and earn a pastime on the money. If one is in default and unable to pay the monthly mortgage payments, they will take their apartment! Once they take back your property that have money busy in it, they are really eager location it back on the to recuperate their investment, and start out generating interest again. They may be in business to make money, each business for instance. So they cannot manage to keep little money idle, without producing any interest.
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