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A mortgage loan or simply mortgage (/ˈmɔːrɡɪdʒ/) is a loan used either by purchasers of real property to raise funds to buy real estate, or alternatively by existing property owners to raise funds for any purpose while putting a lien on the property being mortgaged. The loan is "secured" on the borrower's property through a process known as mortgage origination. This means that a legal mechanism is put into place which allows the lender to take possession and sell the secured property ("foreclosure" or "repossession") to pay off the loan in the event the borrower defaults on the loan or otherwise fails to abide by its terms. The word mortgage is derived from a Law French term used in Britain in the Middle Ages meaning "death pledge" and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure.[1] A mortgage can also be described as "a borrower giving consideration in the form of a collateral for a benefit (loan)".
Mortgage borrowers can be individuals mortgaging their home or they can be businesses mortgaging commercial property (for example, their own business premises, residential property let to tenants, or an investment portfolio). The lender will typically be a financial institution, such as a bank, credit union or building society, depending on the country concerned, and the loan arrangements can be made either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. The lender's rights over the secured property take priority over the borrower's other creditors, which means that if the borrower becomes bankrupt or insolvent, the other creditors will only be repaid the debts owed to them from a sale of the secured property if the mortgage lender is repaid in full first.
In many jurisdictions, it is normal for home purchases to be funded by a mortgage loan. Few individuals have enough savings or liquid funds to enable them to purchase property outright. In countries where the demand for home ownership is highest, strong domestic markets for mortgages have developed. Mortgages can either be funded through the banking sector (that is, through short-term deposits) or through the capital markets through a process called "securitization", which converts pools of mortgages into fungible bonds that can be sold to investors in small denominations
The Hon'ble Governor in the presence of Hon'ble Minister of Education on 24/04/2021 addressed the educational and non-academic staff of all the primary, secondary and higher secondary schools in the state in the current situation of Covid-19 through a program of inspiration, encouragement and guidance. The Hon'ble Governor and Hon'ble Minister (Education) have given guidance to all the school families in the state to help the society in the current situation of Covid-19. In these critical times of the epidemic, if the people of the state get the right understanding and remedial action to prevent coronary infection through students and parents, strictly implement the guidelines issued by the government through the family and the students studying in the school and their parents. , Can do a great job of public education. The Hon'ble Governor and Hon'ble Minister for Education said that if the various steps taken by the Government in this regard are informed, it will have a positive impact on the people of the society. Her research is requested to see that the following steps are taken by all school family.
Steps to be taken by the school family:
(1) In the present situation, doctors, paramedical staff, police department, cleaners, 108, Dhanwantari Rath and other ambulance staff working as Frontline Warriors for the last one year as well as other Frontline Warriors who are contributing to the society day and night without worrying about their families. . Let's give warmth to the families of such Frontline Warriors as well as help them in their needs,
(2)
Public education by students through telephone and webinar,
1. Explain to the family members as well as the people of the society / village not to go out of the house without work.
2. Explain to family members as well as people in the community / village not to go out of the house without a mask.
. Out to family members as well as people from the community / village in unavoidable circumstances
Explain to take care to keep social distance if it happens.
4. Explain to the family members as well as the people of the society / village to wash their hands frequently with soap.
5. Explain the postponement of social events except those which are absolutely unavoidable and also give the understanding that if the event is to be held, it should be organized by following the guideline of COVID-19.
6. The above instructions should be implemented by the student himself and each member of his family
Inspiring to implement through.
7. To understand the implementation of Covid-19 guideline by consulting through WhatsApp or webinar on the available mobile number of students and / or parents. Perform the above procedure regularly and periodically. Let's try to make this process successful and easy by contacting the students who are currently studying in the school.
To coordinate with the local self-governing bodies and their members of the place of duty and place of residence by the members of the school family to carry out the work of imparting public education in every village in accordance with the guideline of Covid-19.
At present, people above the age of 5 years are given free vaccines by the state government. Explain to take advantage of it, let us know the places for it.
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