{"id":21785,"date":"2023-12-06T02:55:10","date_gmt":"2023-12-06T02:55:10","guid":{"rendered":"https:\/\/masterskills.org\/blog\/mortgage-la-gi-the-chap-va-khoan-vay-khac-nhau-the-nao.html"},"modified":"2023-12-22T04:56:16","modified_gmt":"2023-12-21T21:56:16","slug":"mortgage-la-gi-the-chap-va-khoan-vay-khac-nhau-the-nao","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/mortgage-la-gi-the-chap-va-khoan-vay-khac-nhau-the-nao.html","title":{"rendered":"Mortgage l\u00e0 g\u00ec? Th\u1ebf ch\u1ea5p v\u00e0 kho\u1ea3n vay kh\u00e1c nhau th\u1ebf n\u00e0o?"},"content":{"rendered":"
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Nhi\u1ec1u ng\u01b0\u1eddi ch\u01b0a hi\u1ec3u r\u00f5\u00a0mortgage l\u00e0 g\u00ec<\/strong> c\u0169ng nh\u01b0 d\u1ec5 nh\u1ea7m l\u1eabn n\u00f3 v\u1edbi c\u00e1c thu\u1eadt ng\u1eef ti\u1ebfng Anh kh\u00e1c. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 \u0111\u1ecbnh ngh\u0129a, \u0111\u1eb7c \u0111i\u1ec3m, ph\u00e2n lo\u1ea1i c\u1ee7a mortgage, \u0111\u1ed3ng th\u1eddi ch\u1ec9 ra c\u00e1ch ph\u00e2n bi\u1ec7t mortgage v\u1edbi c\u00e1c t\u1eeb g\u1ea7n ngh\u0129a kh\u00e1c.<\/p>\n

Mortgage l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n

Mortgage l\u00e0 kh\u00e1i ni\u1ec7m d\u00f9ng \u0111\u1ec3 ch\u1ec9 h\u00ecnh th\u1ee9c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n. Ngh\u0129a l\u00e0 d\u00f9ng t\u00e0i s\u1ea3n thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a m\u00ecnh \u0111em th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 \u0111\u1ed1i v\u1edbi b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p. Tuy nhi\u00ean, b\u00ean th\u1ebf ch\u1ea5p kh\u00f4ng chuy\u1ec3n giao t\u00e0i s\u1ea3n \u0111\u00f3 cho b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p.<\/p>\n

\n

\u00a0Mortgage l\u00e0 m\u1ed9t kho\u1ea3n vay \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u1ec3 mua t\u00e0i s\u1ea3n ho\u1eb7c \u0111\u1ea5t \u0111ai. N\u1ebfu b\u1ea1n kh\u00f4ng th\u1ec3 ti\u1ebfp t\u1ee5c tr\u1ea3 n\u1ee3, ng\u01b0\u1eddi cho vay c\u00f3 th\u1ec3 thu h\u1ed3i t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n v\u00e0 b\u00e1n n\u00f3 \u0111\u1ec3 l\u1ea5y l\u1ea1i ti\u1ec1n.<\/strong><\/em><\/p>\n<\/blockquote>\n

\u00a0<\/p>\n

\u0110i\u1ec3m kh\u00e1c bi\u1ec7t gi\u1eefa Loan (kho\u1ea3n vay) v\u00e0 Mortgage l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n

Loan \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 kho\u1ea3n ti\u1ec1n vay t\u1eeb ng\u00e2n h\u00e0ng, khi ng\u01b0\u1eddi m\u01b0\u1ee3n tr\u1ea3 l\u1ea1i s\u1ebd ph\u1ea3i \u0111\u01b0a th\u00eam m\u1ed9t kho\u1ea3n l\u00e3i \u0111i k\u00e8m. Loan th\u01b0\u1eddng \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 ch\u1ec9 v\u1ec1 ti\u1ec1n t\u1ec7 ch\u1ee9 kh\u00f4ng \u0111\u1ea1i di\u1ec7n cho t\u00e0i s\u1ea3n. Mortgage c\u00f3 th\u1ec3 bao g\u1ed3m c\u1ea3 ti\u1ec1n b\u1ea1c, nh\u00e0 c\u1eeda, \u0111\u1ea5t \u0111ai hay b\u1ea5t c\u1ee9 m\u00f3n \u0111\u1ed3 n\u00e0o c\u00f3 gi\u00e1 tr\u1ecb. V\u00ed d\u1ee5:<\/p>\n

Loan: m\u1ed9t ng\u01b0\u1eddi \u0111i vay ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 mua nh\u00e0, sau \u0111\u00f3 ph\u1ea3i s\u1ed1 tr\u1ea3 ti\u1ec1n g\u1ed1c v\u00e0 kho\u1ea3n l\u00e3i su\u1ea5t \u0111i k\u00e8m.<\/p>\n

Mortgage: m\u1ed9t ng\u01b0\u1eddi \u0111i vay ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 mua nh\u00e0, sau \u0111\u00f3 kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 ph\u1ea3i th\u1ebf ch\u1ea5p nh\u00e0. N\u1ebfu h\u1ebft h\u1ea1n nh\u01b0ng ch\u01b0a ho\u00e0n th\u00e0nh ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3i th\u00ec ng\u00e2n h\u00e0ng s\u1ebd gi\u1eef nh\u00e0.<\/p>\n

T\u00ecm hi\u1ec3u m\u1ed9t s\u1ed1 thu\u1eadt ng\u1eef li\u00ean quan \u0111\u1ebfn\u00a0Mortgage<\/strong><\/span><\/h2>\n

Mortgage Rate\u00a0\u00a0<\/strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/h3>\n

Mortgage Rate\u00a0l\u00e0 l\u00e3i su\u1ea5t vay n\u1ee3 khi ch\u1ee7 s\u1edf h\u1eefu c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n. Theo \u0111\u00f3, Mortgage Rate\u00a0\u0111\u01b0\u1ee3c t\u00ednh tr\u00ean m\u1ed9t kho\u1ea3n th\u1ebf ch\u1ea5p, do ng\u01b0\u1eddi cho vay x\u00e1c \u0111\u1ecbnh. Tr\u00ean th\u1ef1c t\u1ebf, l\u00e3i su\u1ea5t n\u00e0y c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o t\u1eebng ng\u01b0\u1eddi vay c\u00f9ng v\u1edbi h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng c\u1ee7a h\u1ecd.<\/p>\n

Reverse mortgage<\/strong><\/span><\/h3>\n

\u0110\u00e2y l\u00e0 kho\u1ea3n vay d\u00e0nh cho ng\u01b0\u1eddi cao ni\u00ean (kho\u1ea3ng t\u1eeb 62 tu\u1ed5i tr\u1edf l\u00ean) v\u00e0 th\u01b0\u1eddng \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n nh\u00e0 \u1edf. Kho\u1ea3n vay n\u00e0y cho ph\u00e9p ch\u1ee7 nh\u00e0 chuy\u1ec3n \u0111\u1ed5i t\u1eeb v\u1ed1n nh\u00e0 ra ti\u1ec1n m\u1eb7t v\u1edbi gi\u00e1 tr\u1ecb kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf c\u1ee7a t\u00e0i s\u1ea3n, \u0111\u1ed3ng th\u1eddi kh\u00f4ng c\u1ea7n ph\u1ea3i thanh to\u00e1n c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p h\u00e0ng th\u00e1ng.<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a Mortgage l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n

Tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n, b\u1ea1n c\u1ea7n ph\u1ea3i n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a mortgage l\u00e0 g\u00ec. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a mortgage b\u1ea1n c\u1ea7n l\u01b0u \u00fd v\u00e0 tu\u00e2n theo:<\/p>\n

Th\u1ee9 nh\u1ea5t, b\u00ean th\u1ebf ch\u1ea5p kh\u00f4ng nh\u1ea5t \u0111\u1ecbnh ph\u1ea3i chuy\u1ec3n giao tr\u1ea1ng th\u00e1i c\u1ee7a t\u00e0i s\u1ea3n. H\u1ecd ch\u1ec9 c\u1ea7n giao to\u00e0n b\u1ed9 gi\u1ea5y t\u1edd g\u1ed1c ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n \u0111\u00f3 l\u00e0 \u0111\u01b0\u1ee3c.<\/p>\n

Th\u1ee9 hai, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p bu\u1ed9c ph\u1ea3i l\u00e0 t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb. Ch\u00fang th\u01b0\u1eddng l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng c\u01a1 gi\u1edbi, h\u00e0ng h\u00f3a lu\u00e2n chuy\u1ec3n trong qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t kinh doanh ho\u1eb7c c\u0169ng c\u00f3 th\u1ec3 l\u00e0 t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. M\u1eb7t kh\u00e1c, nh\u1eefng v\u1eadt ph\u1ee5 \u0111i k\u00e8m theo b\u1ea5t \u0111\u1ed9ng s\u1ea3n (ho\u1eb7c m\u1ed9t ph\u1ea7n b\u1ea5t \u0111\u1ed9ng s\u1ea3n) \u0111\u1ec1u \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n

Th\u1ee9 ba, c\u00e1c th\u1ecfa thu\u1eadn, h\u1ee3p \u0111\u1ed3ng li\u00ean quan \u0111\u1ebfn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ea7n ph\u1ea3i tu\u00e2n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt th\u00f4ng qua B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1, lu\u1eadt \u0111\u1ea5t \u0111ai c\u00f9ng c\u00e1c quy \u0111\u1ecbnh kh\u00e1c c\u00f3 li\u00ean quan.<\/p>\n

Cu\u1ed1i c\u00f9ng, b\u00ean cho vay c\u00f3 tr\u00e1ch nhi\u1ec7m gi\u1eef g\u00ecn t\u00e0i s\u1ea3n \u0111\u00f3. Khi c\u00f3 b\u00ean th\u1ee9 ba gi\u1eef t\u00e0i s\u1ea3n n\u00e0y ph\u1ea3i do s\u1ef1 th\u1ecfa thu\u1eadn c\u1ee7a c\u1ea3 hai b\u00ean cho vay v\u00e0 b\u00ean th\u1ebf ch\u1ea5p.<\/p>\n

Ph\u00e2n lo\u1ea1i Mortgage<\/strong><\/span><\/h2>\n

Ph\u00e2n lo\u1ea1i mortgage d\u1ef1a tr\u00ean n\u1ed9i dung<\/p>\n

\u2013 Th\u1ebf ch\u1ea5p ph\u00e1p l\u00fd<\/strong><\/span><\/h3>\n

\u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c ng\u01b0\u1eddi \u0111i vay k\u00fd th\u1ecfa thu\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n cho ng\u00e2n h\u00e0ng trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. \u0110\u1ebfn k\u1ef3 h\u1ea1n thanh to\u00e1n kho\u1ea3n vay m\u00e0 ng\u01b0\u1eddi th\u1ebf ch\u1ea5p kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng chi tr\u1ea3, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 c\u0103n c\u1ee9 v\u00e0o th\u1ecfa thu\u1eadn \u0111\u00e3 k\u00fd \u0111\u1ec3 b\u00e1n ho\u1eb7c cho thu\u00ea t\u00e0i s\u1ea3n. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n quy\u1ebft \u0111\u1ecbnh x\u1eed l\u00fd t\u00e0i s\u1ea3n m\u00e0 kh\u00f4ng c\u1ea7n th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c t\u1ed1 t\u1ee5ng. \u0110\u1ed3ng th\u1eddi ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 to\u00e0n quy\u1ec1n s\u1eed d\u1ee5ng s\u1ed1 t\u00e0i s\u1ea3n \u0111\u00f3 m\u00e0 kh\u00f4ng ph\u1ea3i lo s\u1ee3 b\u1ecb c\u00e1c ch\u1ee7 n\u1ee3 kh\u00e1c c\u00f9ng tham gia.<\/p>\n

\u2013 Th\u1ebf ch\u1ea5p c\u00f4ng b\u1eb1ng<\/strong><\/span><\/h3>\n

\u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c ng\u01b0\u1eddi \u0111i vay ch\u1ec9 \u0111\u01b0a cho ng\u00e2n h\u00e0ng n\u1eafm gi\u1eef gi\u1ea5y t\u1edd ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n. Khi \u0111\u1ebfn k\u1ef3 h\u1ea1n thanh to\u00e1n kho\u1ea3n vay m\u00e0 ng\u01b0\u1eddi th\u1ebf ch\u1ea5p kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3, ng\u00e2n h\u00e0ng ph\u1ea3i d\u1ef1a tr\u00ean c\u01a1 th\u1ecfa thu\u1eadn v\u1edbi ng\u01b0\u1eddi \u0111i vay tr\u01b0\u1edbc \u0111\u00e2y \u0111\u1ec3 x\u1eed l\u00fd t\u00e0i s\u1ea3n. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 s\u1ebd b\u1ecb c\u00e1c ch\u1ee7 n\u1ee3 kh\u00e1c ph\u00e2n chia chi\u1ebfm h\u1eefu. Ng\u00e2n h\u00e0ng mu\u1ed1n thu n\u1ee3 c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ef1 ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n m\u00e0 ph\u1ea3i nh\u1edd \u0111\u1ebfn s\u1ef1 can thi\u1ec7p c\u1ee7a ph\u00e1p lu\u1eadt.\u00a0<\/p>\n

Ph\u00e2n lo\u1ea1i mortgage d\u1ef1a tr\u00ean s\u1ed1 l\u1ea7n<\/strong><\/span><\/h3>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Th\u1ebf ch\u1ea5p th\u1ee9 nh\u1ea5t: \u0111\u1ea3m b\u1ea3o cho kho\u1ea3n vay \u0111\u1ea7u ti\u00ean \u0111\u01b0\u1ee3c duy tr\u00ec.<\/p>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Th\u1ebf ch\u1ea5p th\u1ee9 hai: ng\u01b0\u1eddi \u0111i vay d\u00f9ng ph\u1ea7n ch\u00eanh l\u1ec7ch gi\u1eefa gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n v\u00e0 kho\u1ea3n vay th\u1ee9 nh\u1ea5t \u0111\u1ec3 ti\u1ebfp t\u1ee5c vay nh\u1eefng kho\u1ea3n sau.<\/p>\n

Ph\u00e2n lo\u1ea1i mortgage d\u1ef1a tr\u00ean t\u00ednh ch\u1ea5t t\u00e0i s\u1ea3n<\/strong><\/span><\/h3>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Th\u1ebf ch\u1ea5p m\u1ed9t ph\u1ea7n: L\u00e0 h\u00ecnh th\u1ee9c ch\u1ec9 m\u1ed9t ph\u1ea7n t\u00e0i s\u1ea3n \u0111\u1ec3 th\u1ebf ch\u1ea5p. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, c\u00e1c ph\u1ea7n ph\u1ee5 c\u1ee7a t\u00e0i s\u1ea3n c\u00f3 thu\u1ed9c v\u00e0o t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p hay kh\u00f4ng c\u1ea7n ph\u1ea3i c\u00f3 s\u1ef1 th\u1ecfa thu\u1eadn c\u1ee7a hai b\u00ean.<\/p>\n

\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Th\u1ebf ch\u1ea5p to\u00e0n b\u1ed9: L\u00e0 h\u00ecnh th\u1ee9c d\u00f9ng to\u00e0n b\u1ed9 t\u00e0i s\u1ea3n \u0111\u1ec3 th\u1ebf ch\u1ea5p. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, c\u00e1c ph\u1ea7n ph\u1ee5 \u0111\u1ec1u m\u1eb7c nhi\u00ean thu\u1ed9c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n

Qua cung c\u1ea5p th\u00f4ng tin v\u1ec1 mortgage l\u00e0 g\u00ec tr\u00ean \u0111\u00e2y, hi v\u1ecdng \u0111\u00e3 gi\u00fap b\u1ea1n \u0111\u1ecdc n\u1eafm r\u00f5 kh\u00e1i ni\u1ec7m, \u0111\u1eb7c \u0111i\u1ec3m c\u0169ng nh\u01b0 ph\u00e2n lo\u1ea1i c\u1ee7a mortgage, t\u1eeb \u0111\u00f3 hi\u1ec3u th\u00eam \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh trong t\u1eebng tr\u01b0\u1eddng h\u1ee3p.<\/p>\n

Pha L\u00ea<\/strong><\/p>\n

<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

Nhi\u1ec1u ng\u01b0\u1eddi ch\u01b0a hi\u1ec3u r\u00f5\u00a0mortgage l\u00e0 g\u00ec<\/strong> c\u0169ng nh\u01b0 d\u1ec5 nh\u1ea7m l\u1eabn n\u00f3 v\u1edbi c\u00e1c thu\u1eadt ng\u1eef ti\u1ebfng Anh kh\u00e1c. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 \u0111\u1ecbnh ngh\u0129a, \u0111\u1eb7c \u0111i\u1ec3m, ph\u00e2n lo\u1ea1i c\u1ee7a mortgage, \u0111\u1ed3ng th\u1eddi ch\u1ec9 ra c\u00e1ch ph\u00e2n bi\u1ec7t mortgage v\u1edbi c\u00e1c t\u1eeb g\u1ea7n ngh\u0129a kh\u00e1c.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[429],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/21785"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=21785"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/21785\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=21785"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=21785"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=21785"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}