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(ii) The creditor decides at or in advance of consummation that The customer can make each of the scheduled payments under the terms from the lawful obligation, as explained in paragraph (f)(1)(iv) of this portion, together with The patron’s regular payments for all home loan-linked obligations and excluding the balloon payment, from The patron�

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For an adjustable-level mortgage loan by using a lifetime utmost interest amount but no periodic interest amount adjustment cap, the creditor must think the fascination rate will increase to the utmost life span curiosity rate at the first adjustment.The creditor's skill-to-repay determination as a result might be unreasonable or in negative faith.

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