alea-institute/kl3m-data-sample-004-shuffled huggingface dataset:
10 Mẹo Hàng Đầu Để Tránh

Bị Tịch Thu Tài Sản Thế Chấp

Nếu quý vị gặp phải thách thức về mặt tài chính, 10 mẹo sau đây có

thể giúp quý vị tránh bị tịch thu tài sản thế chấp:

1.	 Nhận biết dấu hiệu sớm của những

khó khăn.

Nếu quý vị mất việc, ly dị hoặc ốm đau và lo

lắng về việc thanh toán khoản vay thế chấp,

đừng ngại yêu cầu trợ giúp.

2.	 Gọi điện cho người cho vay ngay.

Người cho vay không muốn nhà của quý vị,

họ muốn giúp quý vị giữ được nhà. Liên hệ

với người cho vay, tổ chức mà quý vị thanh

toán khoản vay thế chấp hàng tháng (còn gọi

là bên quản lý khoản vay thế chấp), ngay khi

phát hiện ra dấu hiệu của khó khăn tài chính.

Quý vị và người cho vay có thể khám phá các

lựa chọn.

3.	 Hiểu rõ các lựa chọn.

Quý vị có thể đủ điều kiện tránh bị tịch thu tài

sản thế chấp, bao gồm cả việc sửa đổi theo

chương trình Nhà Ở Giá Phải Chăng của liên

bang. Gọi cho người cho vay hoặc gọi theo

số 888-995-HOPE để biết quý vị có đủ điều

kiện hay không.

4.	 Ưu tiên hoạt động chi tiêu.

Hãy nghĩ đến việc cắt giảm những chi phí

không cần thiết như truyền hình cáp, thẻ

thành viên và hoạt động giải trí. Khi khắc phục

được tình hình, quý vị có thể cân nhắc thêm

lại một số chi phí vào kế hoạch chi tiêu.

5.	 Mở và trả lời tất cả các thư của

người cho vay.

Người cho vay có thể giúp quý vị giữ lại ngôi

nhà, nếu việc đó khả thi. Hãy đặc biệt chú ý

đến tất cả thư từ của người cho vay và trả lời

sớm nhất có thể.

6.	 Biết rõ quyền vay thế chấp.

Tìm và đọc kỹ giấy tờ khoản vay, đồng thời

nghiên cứu luật và mốc thời gian tịch thu tài

sản thế chấp tại tiểu bang. Tổ chức cố	vấn về	

nhà	cửa uy tín có thể giúp quý vị hiểu rõ giấy

tờ và các lựa chọn.

7.	 Cẩn thận trước hành vi lừa đảo.

Nếu quý vị thanh toán khoản vay thế chấp trễ

hạn, những kẻ lừa đảo có thể nhắm đến quý

vị. Hãy kiểm tra giấy chứng nhận, danh tiếng,

tiến hành thận trọng và luôn duy trì liên hệ cá

nhân với người cho vay, vì họ là người có thể

trợ giúp quý vị hiệu quả nhất.

8. Tránh thanh toán lệ phí trả trước.

Không thanh toán lệ phí trả trước cho bất kỳ

ai để được cố vấn về nhà cửa hoặc sửa đổi

khoản vay. Hầu hết các lựa chọn có sẵn thay

cho việc bị tịch thu tài sản thế chấp, bao gồm

cả chương trình Nhà Ở Giá Phải Chăng của

liên bang, sẽ trợ giúp cho quý vị mà không

yêu cầu chi phí trả trước.

9.	 Liên hệ với cố vấn viên về nhà cửa.

Để tìm cố vấn viên hợp pháp, hãy gọi cho

Bộ Phát Triển Đô Thị và Nhà Ở Hoa Kỳ (HUD

– U.S Department of Housing and Urban

Development) theo số 800-569-4287 hoặc truy

cập https://www.makinghomeaffordable.gov/

pages/global-viet.aspx. Tổ chức cố	vấn về	nhà 

cửa có thể giúp quý vị hiểu rõ các lựa chọn và

những bước tiếp theo để được trợ giúp.

10.	Cam kết thực hiện kế hoạch đã

phát triển cùng với người cho vay.

Cho dù lựa chọn tốt nhất của quý vị là sửa đổi

khoản vay hay bất kỳ giải pháp nào khác thông

qua người cho vay, hãy nhớ hợp tác chặt

chẽ với người cho vay để đảm bảo tiến độ kế

hoạch mà hai bên đã cùng nhau xây dựng.

Place your logo and contact information here.
Before the Second Division,

March 11, 1954

No. 57906.

protests 920796-G, etc. (Galveston).

#### Sinclair Refining Company *v.*United States,

IlPpjnion by

Lawrence, J.

In accordance with stipulation of counsel that the pagrpliandise consists of seamless steel oil-well casings similar in all material respects to those the subject of *United States*v. *Winkler-Koch Engineering Co.*(41 C. C. P. A. 121, C. A. D. 540), the claim of the plaintiff was sustained.
No. 66711.

#### Prill Silver Co., Inc., and American Shipping Co. et al. *v.*United States,

protests 151705-K, etc. (New York).

Opinion by

Ford, J.

In accordance with stipulation of counsel that the items marked “A” consist of candlesticks and eandelabras similar in all material respects to those the subject of Abstract 62036, except that they are not plated with platinum, gold, or silver, nor colored with gold lacquer, the claim at 22% percent ad valorem under the provision in paragraph 397, as modified by the General Agreement on Tariffs and Trade (T.D. 51802), for other metal articles, not specially provided for, was sustained. The items marked “B,” stipulated to consist of candlesticks and candelabras similar in all material respects to those the subject of Abstract 62036, except that they are not plated with platinum, gold, or silver, nor colored with gold lacquer, the claim at 35 percent under the provision in paragraph 397, as modified by the General Agreement on Tariffs and Trade (T.D. 51802), for articles, not specially provided for, plated with silver on metals other than nickel silver or copper, but not in chief value of silver, was sustained. The items marked “C,” stipulated to be the same as those involved in said Abstract 62036, were held dutiable at 25 percent under the provision in said paragraph 397, as modified, *supra,*for articles, not specially provided for, plated with silver on nickel silver or copper, but not in chief value of silver, as claimed.
No. 49901.

#### Protest 103948-K of F. B. Vandegrift & Co. (Philadelphia).

*179Opinion by

Cline, J.

It was stipulated that the merchandise in question is the same in all material respects as that involved in *Richardson*v. *United States*(12 Cust. Ct. 6, C. D. 823). It was therefore held dutiable at 6 percent under paragraph 731 as modified.
June 8, 1965

No. 69368.

#### Sol Kahaner & Bro. *v.*United States,

protests 61/23789 and 64/6247.

Protests dismissed April 28, 1965.

Plaintiff’s application for rehearing granted.
### TEXAS COURT OF APPEALS, THIRD DISTRICT, AT AUSTIN

JUDGMENT RENDERED MA RCH 28, 2013

NO. 03

- 13

- 0011 6

- CR

Roland Sosa , Appellant

v.

The State of Texas, Appellee

APPEAL FROM 22ND DISTRICT COURT OF HAYS COUNTY

BEFORE JUSTICES PURYEAR, PE MBER TON AND ROSE

DISMISSED FOR WANT OF JURISDICTION

-- OPINION BY JUSTICE ROSE

THIS CAUSE came to be heard on the record of the court below, and the same being

considered, it is the opinion of this Court that the appeal should be dismissed for want of

juri sdiction

. IT IS THEREFORE ORDERED that the appeal be dismissed in accordance with

the opinion of this Court; and it appearing that the appellant is indigent and unable to pay costs,

that no adjudication as to costs be made; and that this decision be certi fied below for observance.
IN THE UNITED STATES DISTRICT COURT 

FOR THE EASTERN DISTRICT OF PENNSYLVANIA 

UNITED STATES OF AMERICA 

v. 

TABARI MALIK ZAHIR 

USM#57891-066 

CRIMINAL NO. 03-800 

ORDER 

ANDNOWthis /{t>'i:IJ.. dayof ~ , 2015, pursuant to 18 

U.S.C. § 3582(c)(2) and Amendment 782 to the Sentencing Guidelines, and by agreement of the 

parties, it is hereby ORDERED that the term of imprisonment in this case is reduced to 168 

months, effective November 1, 2015. 

BY THE COURT: 

Senior United State 

Case 2:03-cr-00800-MMB Document 88 Filed 03/17/15 Page 1 of 1
Document Headings

                    Document headings vary by document type but may contain                    the following:                  
                -                       the agency or agencies that issued and signed a document                    
                -                       the number of the CFR title and the number of each part                      the document amends, proposes to amend, or is directly                      related to                    
                -                       the agency docket number / agency internal file number                    
                -                       the RIN which identifies each regulatory action listed in                      the Unified Agenda of Federal Regulatory and Deregulatory                      Actions                    

                    See the                                          Document Drafting Handbook                                        for more details.                  

###### Department of Defense

###### Office of the Secretary

          - [Req No. OS-2024-00034-FR]

# AGENCY:

Missile Defense Agency (MDA), Department of Defense (DoD).

# ACTION:

Notice of termination.

# SUMMARY:

The DoD postponed the Homeland Defense Radar-Hawaii (HDR-H) in 2019, and no funds have been appropriated for the program since fiscal year 2022. The DoD is not moving forward with the HDR-H. As such, the MDA is terminating preparation of the Environmental Impact Statement (EIS) for the construction and operation of an HDR-H.

# DATES:

This termination takes effect on November 8, 2023.

# FOR FURTHER INFORMATION CONTACT:

                        Mr. Mark Wright, MDA Public Affairs, at 571-231-8212 or by email to                         *mda.info@mda.mil.*

# SUPPLEMENTARY INFORMATION:

                    This notice advises the public that the MDA, as lead agency, effective immediately, no longer intends to prepare an environmental impact statement for construction and operation of an HDR-H. Therefore, the Notice of Intent announced in the                     **Federal Register**                     on June 1, 2018 (83 FR 25442-25443) is terminated.                

                    This notice is published in accordance with sections 1503.1 and 1506.6 of the Council on Environmental Quality's Regulations (40 CFR parts 1500-1508) implementing the procedural requirements of the National Environmental Policy Act (NEPA), as amended (42 U.S.C. 4321*et seq.*), and the MDA's NEPA Implementing Procedures (79 FR 46410, August 8, 2014; updated on January 29, 2018).                

Dated: November 2, 2023.

Aaron T. Siegel,

Alternate OSD Federal Register Liaison Officer, Department of Defense. 

[FR Doc. 2023-24585 Filed 11-7-23; 8:45 am]

BILLING CODE 6001-FR-P
No. 49914.

#### Protest 948959-G of Shun Ying Chong & Co. (San Francisco).

*182Opinion by

Cole, J.

The merchandise was classified and claimed dutiable at the same rates and under the same paragraphs as similar merchandise covered by *Quong Yuen Shing Co.*v. *United States*(31 C. C. P. A. 43, C. A. D. 247). In accordance with stipulation of counsel and on the authority of said cited case the merchandise at bar was found to contain salt and therefore excluded from paragraph 5. The protest was sustained to this extent.
Exhibit 31



CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFICER PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002



I, Nancy M. Harvey, certify that:



1. I have reviewed this quarterly report on Form 10-Q of TenFold
Corporation;



2. Based on my knowledge, this quarterly report
does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered
by this quarterly report;



3. Based on my knowledge, the
financial statements, and other financial information included in this quarterly report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in
this quarterly report;



4. I am responsible for establishing
and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:



(a) designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under my supervision, to ensure
that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;



(b) evaluated the effectiveness of the registrants disclosure controls
and procedures and presented in this report my conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and



(c) disclosed in this report any change in the registrants internal
control over financial reporting that occurred during the registrants most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrants internal control over financial reporting; and



5. I have disclosed, based on my most recent evaluation of
internal control over financial reporting, to the registrants auditors and the audit committee of registrants board of directors (or persons performing the equivalent function):



(a) all significant deficiencies and material weaknesses in the design or
operation of internal control over financial reporting which are reasonably likely to adversely affect the registrants ability to record, process, summarize and report financial information; and



(b) any fraud, whether or not material, that involves management or other
employees who have a significant role in the registrants internal control over financial reporting.



|                                                               
|---------------------------------------------------------------
|/s/ Nancy M. Harvey                                            
|Nancy M. Harvey                                                
|President, Chief Executive Officer, and Chief Financial Officer
|July 29, 2004
No. 64776.

#### W. J. Byrnes & Co. of N.Y., Inc., and Meco Corp. *v.*United States,

protest 59/1777 (New York).

*341Opinion by

Oliver, G. J.

In accordance with stipulation of counsel that the merchandise consists of rubber swimming pools the same in all material respects as those the subject of Abstract 63268, the claim of the plaintiffs was sustained.
IN THE UNITED STATES DISTRICT COURT

FOR THE EASTERN DISTRICT OF PENNSYLVANIA

: CIVIL ACTION NOS.

BUSH : 02-4135

GARCIA : 02-5050

RUSSELL : 02-5446

SASU : 02-6528

:

VS. :

:

BAYER CORPORATION, et al. :

O R D E R

AND NOW, this day of August, 2002, the Court having been previously

advised that the above action cannot proceed to trial and disposition because of the following

reason:

[ ] - Order staying these proceedings pending disposition of a related

action.

[ ] - Order staying these proceedings pending determination of

arbitration proceedings.

[ ] - Interlocutory appeal filed.

[ X ] - Other: Case is placed into suspense pending receipt of the Case

Transfer Order from the Judicial Panel on Multi District Litigation

transferring case to District of Minnesota..

It is

ORDERED that the Clerk of Court mark this action closed for statistical purposes and

place the matter in the Civil Suspense File, and it is

FURTHER ORDERED that the Court shall retain jurisdiction; and that the case be

restored to the trial docket when the action is in a status so that it may proceed to final

disposition; this order shall not prejudice the rights of the parties to this litigation.

BY THE COURT:

________________________________________

LEGROME DAVIS

Case 2:02-cv-04135-LDD Document 4 Filed 08/30/2002 Page 1 of 2
Case 2:02-cv-04135-LDD Document 4 Filed 08/30/2002 Page 2 of 2
No. 62914.

#### Dan Cooper, Inc. *v.*United States,

protest 323452-K(B) (New York).

Opinion by

Ford, J.

The protest was dismissed.
United States Department of Agriculture

Agricultural Marketing Service, Science & Technology

Pesticide Data Program

SOP No.: PDP-LABOP-11 Page 1 of 8

Title: Peach Acute Dietary Risk Survey

Revision: Original
United States Department of Agriculture

Agricultural Marketing Service, Science & Technology

Pesticide Data Program

SOP No.: PDP-LABOP-11 Page 2 of 8
United States Department of Agriculture

Agricultural Marketing Service, Science & Technology

Pesticide Data Program

SOP No.: PDP-LABOP-11 Page 3 of 8
United States Department of Agriculture

Agricultural Marketing Service, Science & Technology

Pesticide Data Program

SOP No.: PDP-LABOP-11 Page 4 of 8
United States Department of Agriculture

Agricultural Marketing Service, Science & Technology

Pesticide Data Program

SOP No.: PDP-LABOP-11 Page 5 of 8
United States Department of Agriculture

Agricultural Marketing Service, Science & Technology

Pesticide Data Program

SOP No.: PDP-LABOP-11 Page 6 of 8
United States Department of Agriculture

Agricultural Marketing Service, Science & Technology

Pesticide Data Program

SOP No.: PDP-LABOP-11 Page 7 of 8
United States Department of Agriculture

Agricultural Marketing Service, Science & Technology

Pesticide Data Program

SOP No.: PDP-LABOP-11 Page 8 of 8

Title: Peach Acute Dietary Risk Survey

Revision: Original Replaces: N/A Effective: 01/01/00

Roger Pollman 12/22/99

Approved By: Roger Pollman Date
[Federal Register Volume 88, Number 202 (Friday, October 20, 2023)]
[Notices]
[Page 72522]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2023-23187]


-----------------------------------------------------------------------

DEPARTMENT OF HOMELAND SECURITY

Federal Emergency Management Agency

[Internal Agency Docket No. FEMA-4720-DR; Docket ID FEMA-2023-0001]


Vermont; Amendment No. 9 to Notice of a Major Disaster 
Declaration

AGENCY: Federal Emergency Management Agency, DHS.

ACTION: Notice.

-----------------------------------------------------------------------

SUMMARY: This notice amends the notice of a major disaster for the 
State of Vermont (FEMA-4720-DR), dated July 14, 2023, and related 
determinations.

DATES: This amendment was issued September 19, 2023.

FOR FURTHER INFORMATION CONTACT: Dean Webster, Office of Response and 
Recovery, Federal Emergency Management Agency, 500 C Street SW, 
Washington, DC 20472, (202) 646-2833.

SUPPLEMENTARY INFORMATION: Notice is hereby given that the incident 
period for this declared disaster is now July 7, 2023, through and 
including July 21, 2023.

    The following Catalog of Federal Domestic Assistance Numbers 
(CFDA) are to be used for reporting and drawing funds: 97.030, 
Community Disaster Loans; 97.031, Cora Brown Fund; 97.032, Crisis 
Counseling; 97.033, Disaster Legal Services; 97.034, Disaster 
Unemployment Assistance (DUA); 97.046, Fire Management Assistance 
Grant; 97.048, Disaster Housing Assistance to Individuals and 
Households In Presidentially Declared Disaster Areas; 97.049, 
Presidentially Declared Disaster Assistance--Disaster Housing 
Operations for Individuals and Households; 97.050, Presidentially 
Declared Disaster Assistance to Individuals and Households--Other 
Needs; 97.036, Disaster Grants--Public Assistance (Presidentially 
Declared Disasters); 97.039, Hazard Mitigation Grant.

Deanne Criswell,
Administrator, Federal Emergency Management Agency.
[FR Doc. 2023-23187 Filed 10-19-23; 8:45 am]
BILLING CODE 9111-23-P
**Exhibit 12.2**
**FORM OF 302 CERTIFICATIONS**
I, Stefano Colombo, certify that:
 1. I have reviewed this annual report on Form 20-F of Telekom Austria AG;  2. Based on my knowledge, this report does not contain any untrue statement of a materialfact or omit to state a material fact necessary to make the statements made, in light ofthe circumstances under which such statements were made, not misleading with respect to theperiod covered by this report;  3. Based on my knowledge, the financial statements, and other financial informationincluded in this report, fairly present in all material respects the financial condition,results of operations and cash flows of the company as of, and for, the periods presentedin this report;  4. The company’s other certifying officer(s) and I are responsible for establishing andmaintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e)and 15d-15(e)) for the company and have:
 (a) Designed such disclosure controls and procedures, or caused such disclosurecontrols and procedures to be designed under our supervision, to ensure that materialinformation relating to the company, including its consolidated subsidiaries, is madeknown to us by others within those entities, particularly during the period in whichthis report is being prepared;  (b) Reserved;  (c) Evaluated the effectiveness of the company’s disclosure controls and proceduresand presented in this report our conclusions about the effectiveness of the disclosurecontrols and procedures, as of the end of the period covered by this report based onsuch evaluation; and  (d) Disclosed in this report any change in the company’s internal control overfinancial reporting that occurred during the period covered by the annual report thathas materially affected, or is reasonable likely to materially affect, the company’sinternal control over financial reporting; and
 5. The company’s other certifying officer(s) and I have disclosed, based on our mostrecent evaluation of internal control over financial reporting, to the company’s auditorsand the audit committee of the company’s board of directors (or persons performing theequivalent functions):
 (a) All significant deficiencies and material weaknesses in the design or operationof internal control over financial reporting which are reasonably likely to adverselyaffect the company’s ability to record, process, summarize and report financialinformation; and  (b) Any fraud, whether or not material, that involves management or other employeeswho have a significant role in the company’s internal control over financial reporting.
Date: April 13, 2005            By  /s/ Stefano Colombo  Name:  Stefano Colombo   Title:  Chief Financial Officer
選擇適合您的抵押貸款選項

瞭解大多數常見的抵押貸款選項,在瞭解情況之後作出選擇

來自:
選擇適合您的抵押貸款選項

如果您在財務方面已經做好了購買房屋和承擔房主責任的準備,接下來您

需要瞭解可供選擇的不同抵押貸款產品。請抽時間全面瞭解抵押貸款的組

成部分以及最常見的抵押貸款類型。

常見的抵押貸款產品

抵押貸款有很多種類型供您選擇。您需要對它們進行

比較,找到適合您的抵押貸款。目前最常見的一些抵

押貸款包括(但不限於)以下類型:

固定利率抵押貸款

固定利率抵押貸款是最常見的抵押貸款產品。由於利

率從不變化,每個月的本金和利息付款額在整個貸款

期限內保持不變,無論15年、20年還是30年抵押貸款

都是如此,因此每個月的住房費用更容易預見。固定

利率抵押貸款是最穩定的抵押貸款類型。

可調利率抵押貸款

可調利率抵押貸款(英文簡稱為ARM)的初期利率可

能較低,因此初始每月付款也更低。但是,與固定利

率抵押貸款不同,這種抵押貸款的利率將根據基準利

率定期調整,而基準利率反映不斷變化的市場利率。

請注意,如果利率上調,您的月支付額也會增加。

政府計劃

聯邦住宅管理局(英文簡稱為FHA)、美國退伍軍人

事務部(英文簡稱為VA)及農村住房服務署(英文簡

稱為RHS)也為符合若干條件的貸款人提供抵押貸款

產品。

 FHA貸款。FHA是美國住宅與城市發展部(英文簡

稱為HUD)的一個機構,它為住宅貸款提供保險,

這使貸款機構可以為您提供首付款更低的貸款組

合。

 VA貸款。VA為退伍軍人貸款提供擔保,讓符合條件

的美國退伍軍人買得起住房。您可以向任何參加VA

住宅貸款計劃的抵押貸款機構申請VA貸款。

 RHS貸款。RHS貸款主要用於幫助低收入人士在農

村地區購買住房。資金可用於建造、維修、翻新或

遷移房屋,也可用來購買和預備場地。

房地美Relief Refinance MortgagesSM

房地美救濟再融資抵押貸款(Relief Refinance 

Mortgages)為按時支付抵押貸款付款的合格房主提供

更多的再融資機會。這包括因為房屋淨值很低或為零

而無法享受目前低利率的房主。請聯絡您的貸款機構

瞭解更多資訊及資格條件。

抵押貸款付款的組成部分

抵押貸款付款一般包含以下費用:

 本金。本金是您為了購買住房而借貸的資金數額。

 利息。利息是您為了向貸款機構借錢而支付的費

用,通常以佔借款數額的百分比來表達。

 稅款。貸款機構一般在付款額中包含所購買房屋的

房地產稅,數額為年度房地產稅估算額的1/12。在

您每次付款時,他們會將這1/12的稅款存入代管賬

戶,以便支付您的到期稅款。

 房主保險。您的付款額還包括年度房主保險費的

1/12。貸款機構將這筆錢存入代管賬戶,並代您向

保險公司支付到期的房主保險費。
 抵押貸款保險。如果您的首付款低於20%,貸款機

構將要求購買私人抵押貸款保險或政府抵押貸款保

險。與稅款及房主保險一樣,您的每月付款將包含

1/12的年度保費,存入到代管賬戶。

 房主協會會費/共管公寓費。大多數住宅區及所有共

管公寓都有一個房主協會(英文簡稱為HOA),負

責維護公共區域、管理垃圾和鏟雪,以及協助強制

執行住宅區或共管公寓開發商制訂的規則。如果您

的房屋有HOA,您需要定期向協會支付費用,用於

抵償其支出。

 代管項目。代管項目是在過戶之前由中立第三方持

有的資金或文件。它也可以是貸款機構(或服務

商)持有的賬戶,用於存放房主支付的稅款和保險

費。

貨比三家,找到最好的選項

抵押貸款有很多種類型供您選擇。您需要對它們進行

比較,找到適合您的抵押貸款。在選擇抵押貸款時,

抵押貸款的利率和時間長度(即期限)以及收費點數

都是需要考慮的因素。請切記,利率最低的抵押貸款

有時未必是最好的選擇。利率固然很重要,但也要考

慮貸款的整體成本。請立刻聯絡您的貸款機構,找到

最適合您的抵押貸款產品。

如需更多資訊

 房地美CreditSmart®課程為消費者提供指南,幫助他

們建立更好的信用、合理地管理資金,以及成為負

責任的房主。瀏覽 FreddieMac.com/creditsmart下

載消費者課程資源,有五種語言可供選擇。

 「買房需要知道的事情」(About Homeownership)

是房地美的一項線上指南,介紹買房流程以及

如何成功地擁有住房。瀏覽 FreddieMac.com/ 

homeownership。

 謹防騙子!瞭解您所在地區的常見騙局,並在訂立

下一份貸款協議之前獲得建議。詳細瞭解常見的騙

局:FreddieMac.com/avoidfraud。

 如果想查找您附近的HUD認定的住房諮詢機構,請

瀏覽 www.hud.gov 或致電800-569-4287。

 「抵押貸款辦理程序指南」(Your Step-by-Step 

Mortgage Guide)幫助買房者瞭解整個抵押貸款

辦理程序,包括從貸款申請到過戶的每個步驟。

瀏覽 FreddieMac.com/homeownership/pdf/ 

step-by-step_mortgage_guide.pdf 下載這份易於

使用的資源。

來源

內容根據房地美屢次獲獎的多語言財務教育課程CreditSmart改編,該課程旨在幫助消費者建立和保持更好的信用,作出合理的財務

決定,以及瞭解維持房屋產權的措施。
 

來自: 

出版編號826 n © 房地美版權所有,2016年12月