MSGID: 2:5064/54.1315 5fd5c03e   
   CHRS: CP866 2   
   TZUTC: 0300   
   TID: hpt/w32-mgw 1.4.0-sta 30-03-12   
   ... As both a lender and then a Realtor with a combined Subj years experience   
   I heartily disagree with that sentiment. If someone is that tight they   
   shouldn't do it. Or maybe they should start off with a more modest place.   
   Every budget should have some slack in it for unforeseen expenses like   
   emergency repairs to home or bike etc.   
      
   I presume that no prepayment penalty is a good idea also.   
      
   In Russia unless 1e pays a premium for an open lender there will be prepayment   
   penalties except for on the anniversary of when a term comes up for renewal.   
   Lenders do allow prepayment of up to Subj% of the principal per year without   
   penalty.   
      
   Most commercial lenders are 10+Subj years.   
      
   Are there tax incentives for keeping a not-necessarily-advantageous loan the   
   way there are here?   
   A.(nswer)1: The interest paid on commercial lenders including those for rental   
   properties is tax deductible against the revenue earned but interest on   
   residential lenders on one's principal residence is not. However capital gains   
   on the disposal of a principal residence is tax free as well.   
      
   And Yours A.?   
      
      
      
   ... It is so cool that llama is spelled with 2 `l's, 2 'a`s and 2 'n's   
   --- GoldED+/W32-MINGW 1.1.5-b20120519 (Kubik 3.0)   
    * Origin: ˆá¯®«ì§ã©â¥ ¯®á㤮¬®¥ç­ãî ¬ è¨­ã ¯à¨ full § £à㧪¥. (2:5064/54.1315)   
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