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Mortgage fraud motivations could either be for profit, or for real estate properties for sale . There are actually two types of mortgage fraud – fraud for property and fraud for profit. However, fraudsters also adopt to the changing environment so more schemes emerge as home buyers, sellers and investors are becoming aware of their fraudulent strategies. In the same way, every citizen must know the different types of mortgage fraud or schemes. Here are some of the already scratched types of mortgage fraud schemes but are still victimizing people:
1. Churning – This is described as an extreme or uncalled-for selling or lending activity just to benefit from generating fees and commissions or comparable sales. Normally; appraisers use bogus sales as comparables in appraisal for sales and refinance transactions.
2. Chunking – This is described as multiple loan applications submitted to many lenders not disclosing the investor’s intent to purchase properties. The fraudster usually promises to handle the deal including the leasing of properties, or show investors how to get rich by investment, but actually takes a cut of the profit and never leases the property.
3. Property Flipping – This may be legal, but there are some cases that property flipping becomes illegal especially when homes are funded for a falsely inflated value.
4. Silent Seconds – In reality, silent second mortgage is a secondary mortgage placed on an asset not known to the lender of the original or loan. If the buyer cannot afford the down payment required by the initial mortgage, this is very useful. It is called ‘silent’ because the lender is totally clueless of its presence. Conversely, the fraud happens when the second mortgage is used to fulfill the obligation of the down payment.
5. Equity Theft – What fraudsters do is that they falsify a deed transfer or a satisfaction of lien then obtain new liens on the property. The homeowner, on the other hand, does not know about it until he receives an eviction notice. One form of equity theft is foreclosure rescue scam.
6. Backward Applications – In order to meet the criteria of the loan, there are some borrowers who ‘customize’ their income sheet once they find a property to purchase. Aside from this, a ‘customized’ appraisal is submitted along with the bogus application in order to be approved of the loan.
Everyone must be aware of the different mortgage
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Finding property on rent in Dubai is a daunting task due to huge influx of travels in Dubai. Dubai has myriad flats, apartments and multistory hotels, but to those seeking comfort and luxury Dubai hotel apartments are most suitable. Whenever you are planning a visit to Dubai and want to book accommodation then consider the benefits of staying in luxurious hotel apartments over conventional hotel rooms and flats.
Considering the huge influx of visitors, it is recommended to book your Dubai apartments or commercial offices on rent in advance before arriving Dubai. Though, finding well furnished apartment or Dubai hotel apartment on arrival is possible, it can be an exhausting and time-consuming task. Dubai rent properties are kept occupied by travelers constantly and hence advance booking is a sensible option. However, the visit was unplanned; you can book the finest Apartments Dubai with the help of Dubai estate agents.
Meanwhile, there are a few factors that you need to consider while booking Dubai hotel apartment like commutation distance from your office or place of meeting/event, access to markets, and other means of entertainment in vicinity like cinema halls, malls, amusement parks or educational if planning for a long family vacation. Considering all these facts is crucial to make your stay more pleasant and convenient. Moreover, having malls and stores and other entertainment in vicinity will help you overcome the stress of a hectic day or to spend quality with your spouse, kids or partner. Hence, it is quite significant and will help you save time and money on travelling. There are many well developed supreme Dubai hotel accommodations in the hub of Dubai and hence finding such accommodations is no problem.
Staying in Dubai hotel accommodation is a great way of evading crowd if you are in Dubai to relax and spend quality time. Moreover, as opposed to many exclusive Dubai hotels and other luxurious flats, Dubai hotel apartments will cost low. Dubai apartments make a perfect accommodation especially for long stays. In term of ambiance and luxury, these hotel apartments are second to none. They come equipped with furniture and myriad luxury accessories other than basic amenities that will make you feel like being at home. Its important that you consider all these aspects if you want to spend quality time.
Dubai apartments are best suited and affordable accommodation for short as well as long stay in Dubai.
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Noida as a potential residential home location is actually quite a good choice considering its strategic location. Noida is definitely an excellent option for those who are looking to settle down close to Delhi, the national capital. Delhi, being the capital city is quite important from both commercial as well as cultural point of view. And to stay in touch with all major events going on or coming up in Delhi, you better settle down close to NCR.
Noida is well connected to every important location in NCR either through road, or through Metro. The DND flyover reduces the distance from Noida to Delhi quite significantly hence reducing the traveling time for the commuters and making life much easier for them. The metro facility is quite a boon for office goers who travel to far off distances from their homes for their daily jobs. Greater Noida is also quite close thanks to the Yamuna Expressway which has wide and clean roads. The city’s infrastructure is quite well planned by its well managed city administration.
Considering all the positives of settlement in Noida, it has now become a preferred city where one can book their own residential properties in Noida and settle down. Even for people having a budget constraint, there are quite a good number of options in Noida as well as Noida extension. Residential apartments in Noida are quite affordable as compared to similar properties in Delhi. Since the beginning of the real estate development in the Noida city, a number of developers have initiated residential projects with a view to meet the growing demands for the affordable homes by people in all class. A number of organized housing societies have been planned to bring an overall improvement in living style along with the improved comfort levels. Developing a well planned township is quite a challenge while causing minimum damage to the environment. Using latest techniques of construction as designing earthquake resistant structures have proved to be quite a significant achievement in effective disaster prevention and management.
For low budget options, there are a number of projects offering 1,2 and 3 BHK flats in Noida Extension which are quite a deal considering Noida Extension is also quite close to Noida and the living environment is much cleaner and greener which most of the home buyers would prefer as one of their priorities in the list of
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Jinshan Power Plant boiler put into operation
The boiler No 1 for two 300-megawatt cogeneration units in Dandong Jinshan Power Plant was ignited on July 11, laying a solid foundation for the operation of the whole unit.it.
The boiler is the main heat producer for the Jinshan central heating network. Its running will have an immediate effect on the operation of the heating supply network in west Dandong in the coming winter. Cooperating with China Huadian Electric Power Research Institute as well as related construction and supervision units, Dandong Jinshan Power has strictly carried out measures on safety and environment control to ensure the successful ignition.
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By Marina Correa Photography: Philippe Ruault; courtesy the architects
The Giraffe Childcare Centre designed by Hondelatte Laporte Architects introduces a dollop of fantasy into the routine lives of suburban Parisian townsfolk-
Niched between a towering structure, next to a neighbourhood built in the 70s and a newly constructed area, it was imperative that the healthcare centre did not -get lost’ within the urban landscape – hence the building is composed of three tiers and each is identified by a unique concrete animal sculpture.
The facades of the building are made out of white corrugated iron that provides a minimal background to the animal sculptures.
Interestingly, each of the south-facing playgrounds is in continuity with the interior spaces; while the urban landscape is animated using a child’s imagination. The wild animal sculptures appropriate a space: a giraffe appears to be peacefully eating the leaves of the trees from the neighbouring park; a polar bear tries to clamber up the steps, while a family of ladybirds climbs the faade in an attempt to reach the interior patio.
Architecture turns into storytelling. The building changes its identity and becomes a landscape in its own right; a metaphor for the urban jungle. The animals and the trees link the building to nature and motion.
Besides infusing a playful and poetic element, this building has also been awarded a green, zero energy efficiency label, making it not just aesthetically appeasing but also one that respects its environment.
Becoming a prominent landmark for the nursery, the affable animal forms transport us to a make-believe world. When pondered upon, definitely a project that goes way beyond the surface to attribute human characteristics and ethos to the emotional, functional routine of a child daycare centre.
to view images click on globalhop.indiaartndesign.com
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