For low income audience home, they often can not meet the fourth condition as I have just mentioned above. Their home purchase loans will usually be by mortgage their houses to be formed in the future. However, the assessment of this collateral usually survive more difficult. Because of legal issues, the procedure of mortgage, pledge, especially the problem of handling assets that guarantee to debt recovery difficult, cumbersome procedures, time stretching. Should the Bank often very shy are faced with having to collect the debt from this debt revenue
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