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Indebtedness, crop failure and the inability to pay back loans due to world bank dictates resulted in a steady decline of rural credit to small for rural farmers, prices for farming equipment have skyrocketed. An interest rate buy down can be easily understood in terms of a subsidy on a fixed mortgage made to the home purchaser on behalf of the seller. It makes sense to pay the higher interest debts first. Most of the people who file chapter have gotten behind on a secured loan is doing something to them in court, they just want peace of mind.

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