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RENTAL AGREEMENT An agreement, written or oral, which establishes or modifies the terms, conditions, rules, regulations, or any other provisions concerning the use and occupancy of a dwelling unit and premises; a lease on residential property. ACCRUED INTEREST Interest earned but not yet paid. HABENDUM CLAUSE That part of the deed beginning with the words "to have and to hold," following the granting clause and reaffirming the extent of ownership that the grantor is transferring. PAYMENT CAP Consumer safeguards which limit the amount monthly payments on an adjustable-rate mortgage may change. Since they do not limit the amount of interest the lender is earning, they may cause negative amortization. USEFUL LIFE That period of time over which an asset, such as a building, is expected to remain economically feasible to the owner. FILLED LAND An area where the grade has been raised by depositing or dumping dirt, gravel or lava rock. FINANCE FEE A mortgage brokerage fee to cover the expenses incurred in placing the mortgage with a lending institution; a mortgage service charge or origination fee. |
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