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1. Dwelling-safeguarded. Point 1003.2(d) describes a closed-prevent real estate loan due to the fact an expansion out of credit that’s secure by the a beneficial lien toward a dwelling and that is perhaps not an open-avoid personal line of credit less than 1003.2(o). Ergo, such as for example, that loan to invest in a home and you will protected merely because of the a beneficial private guarantee isnt a shut-stop real estate loan because it’s not house-shielded.
dos. Significantly less than 1003.2(d), a dwelling-shielded mortgage is not a closed-avoid real estate loan except if it requires an extension out of credit. Such as for instance, particular purchases done pursuant to help you cost conversion process deals, for example particular homes agreements, according to the products and you will things, may involve extensions away from borrowing rendering brand new purchases closed-stop mortgages. 2(d) refers to the giving of borrowing from the bank only pursuant to a different financial obligation obligation. For this reason, except given that revealed into the comments dos(d)-dos.we and you may .ii, if the a transaction modifies, renews, stretches, otherwise amends the terms of an existing debt responsibility, nevertheless established loans obligations is not satisfied and you can replaced, the order isnt a sealed-end mortgage loan lower than 1003.2(d) because there has been no the latest extension regarding borrowing. The word extension out of borrowing thus is set in another way not as much as Control C than just around Controls B, a dozen CFR area 1002.
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