If you are a mortgage borrower: 1. Insofar as Titularizadora purchases more mortgage loans and issues mortgage-backed securities, the liquidity of mortgage entities will grow and they in turn may offer improved alternatives of housing loans. 2. This provides greater efficiency to mortgage loan origination. 3. Loan granting, country level interest rates, and simplified processes will be standardized. 4. Since the borrower has a current loan with a bank seller of loans, the terms and conditions entered into between the borrower and the bank will be maintained.

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