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|RIGA http://www.cheapnbajerseysceltics.com/Kelly-Olynyk-Jersey/ , Feb. 19 (Xinhua) -- Latvian lawmakers on Thursday passed in the final reading amendments to several laws to make the so-called "jingle mail" provision, allowing defaulting mortgage holders to mail their home keys to creditors to get rid of their debts, optional.
The parliament amended the Insolvency Law, removing from it a much criticized requirement for banks to include the "jingle mail" option in all mortgage contracts, which would effectively make all mortgage loans non-recourse loans.
Under amendments passed to the Consumer Protection Law, banks will be required to offer two alternative mortgage contracts to their clients - one that includes the "jingle mail" option and the other making the borrower fully responsible for the repayment of the loan. The creditors http://www.cheapnbajerseysceltics.com/Gerald-Green-Jersey/ , however, will be able to apply different terms to each type of contract, while the borrower will have the opportunity to choose between the two contracts offered by the bank.
The draft amendments were pushed through the parliament in a fast-track procedure in two readings after the Association of Latvian Commercial Banks warned last year that the "jingle mail" provision, which makes the insolvency procedure for individuals significantly easier, would make mortgage loans too costly for most Latvians, as the banks would have to increase down-payments and interest rates on mortgage loans to offset possible risks.
The amendments will take effect on March 1 http://www.cheapnbajerseysceltics.com/James-Young-Jersey/ , 2015.
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“We are glad that STAIRS has brought SSFL to Gujarat as this will create enormous scouting opportunities to scout talent at grassroots. The league will fill the major gap as there has been no professionally managed platform of such a scale in the state for young footballers to showcase their talent.
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“We are proud to have partnered STAIRS and are looking forward to the promising outcomes of this association,” said ShriGulabChauhan, Secretary, Gujarat State Football Association.
Siddhartha Upadhyay, Founder & Secretary General of STAIRS Foundation said, “We had launched SSFL in Ahmadabad and Gandhi Nagar last year and were surprised by the overwhelming response from the footballers at the grassroots. Hence http://www.cheapnbajerseysceltics.com/Jaylen-Brown-Jersey/ , we planned to scale up the league and take it to every possible district in the state.
“The support from the sporting fraternity from Gujarat has been appreciable and we are glad to have partnered GSFA to conduct SSFL across the state.