This exemption replaced the 1977 net capitalization rule
As is discussed in the section-by-section analysis of proposed §§ 1041.
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Don't go crazy with the credit applicationsSome of the groups at risk for no credit or a thin file include young adults, the elderly (if they haven't used credit in a while), new immigrants and people who avoid credit.
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The proposed rule requires that lenders determine that applicants for covered longer-term loans have the ability to repay the loan while still meeting their major financial obligations and paying basic living expenses.
Actually, the average price should be a bit less than that assuming a 6 kilowatt installation is 6 kilowatts of solar panels plus a 5 kilowatt inverter.
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You can have 300% loan-to-value, and still be HARP-eligible.
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When taking a key deposit, the lessor/agent must give a receipt, and ensure the deposit is fully refunded upon return of the key.
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