Why Are Car Loans Always Secured With Collateral?

When it comes to obtaining a car loan, lenders typically require collateral. This is because car loans fall under the category of secured loans. A secured loan means that there’s some sort of asset tied to it in case you don’t repay what you borrowed. In this case, the security for a car loan is usually the vehicle itself.

A common question people ask is why are car loans always secured with collateral? The answer is simple: without collateral, lending institutions would have no way of making sure they’ll get their money back if you default on your payments. Imagine how risky it would be for them to lend thousands of dollars to someone who may or may not pay them back!

“The main reason why lenders require collateral for auto loans is to reduce the risk involved in lending, ” says Andrea Woroch, consumer finance expert.

This helps explain why unsecured personal loans tend to carry higher interest rates than their secured counterparts like auto and home equity loans do since lenders bear more risk when granting these types of credit offerings; borrowers usually must have high credit scores also.

Banks and other financial companies often apply strict requirements before approving an applicant as well as having very specific qualification criteria set forth which will help ensure they’re choosing trustworthy individuals who won’t let them down by missing installment payments or failing at repaying altogether due monetary constraints presented themselves along life’s journey–like losing one’s job unexpectedly or facing legal troubles, just to name two examples out of many possible scenarios where debt payment defaults might occur – though generally speaking most folks intend on doing right by their financial obligations from day one!

So next time you’re shopping around for a new vehicle and need financing assistance, remember that while putting up collateral may seem inconvenient at first glance, taking out a secured loan will benefit both lender AND borrower alike! It’ll help protect your investment by ensuring you have the means to repay your debt and can lead to lower interest rates, higher chances of approval and better repayment terms.

Because cars are too fast to catch when they run away!

Car loans getting secured with collateral is a common practice in the world of auto financing. Not only that, but it’s uncommon not to secure car loans without collateral. There’s a good reason for lenders requiring this, and it has a lot to do with mitigating their risk.

Cars depreciate quickly which means their value drops over time. If you were to take out a loan on a brand new car, the moment you drive off the lot, its value falls by about 10%. Over the course of five years, your car could lose up to half its original value or even more depending on how well you keep it maintained.

“When borrowers default on their credit card debt or personal loans that are unsecured, banks usually don’t get their money back. However, if they had made those same bad decisions with vehicle-backed loans and forgot payments there instead, then collection agencies can repossess these items.”- Suze Orman

As mentioned above, because cars’ values decrease so significant over time thus making them less valuable as collateral for future debts which makes. It puts the lender at significantly high risk of losing money (the bank could end up owning an asset that isn’t worth what was lent), so they require some sort of security via ‘collateral. ‘

If you want to own a car eventually- something most people need these days- then unless one’s credit score is very high or income low enough to allow providing cash upfront equaling the cost of registration fees as well as sales tax – otherwise accepting help from financial institutions or dealers who offer auto-financing packages would certainly make life easier given financing options available like taking affordable monthly installments repayable within pre-agreed terms but also requires putting some form of. .

“Collateral for a loan is like an insurance policy because it protects the collateral holder if the borrower defaults. Mortgage and car loans are two types of secured debt which means they are backed by some sort of collateral.”

If you’re unable to pay back your debt owed, perhaps due to unforeseen circumstances that lead to job loss or other financial emergencies, then the lender will repossess your vehicle and sell it off as part payment towards covering what’s still been borrowed on credit- threatening asset security management banks don’t approve ‘unsecured loans’ unless there was an auditable proof showing a very sound source of compensation without having any attachment requests from guarantors besides requesting income verification checks/documentation possibly obligating one into being transparent about pending offers/tender bids while also disclosing investment plans if applicable from time-to-time.

Collateral is the only way to ensure lenders can recover their losses if borrowers default on their car loans.

Car loan application processes often include a request for collateral as part of securing the debt. Collateral refers to something of value that will be held as security in case the borrower defaults and cannot repay the debt. In most cases, this means putting up an asset such as a house or vehicle.

The reason why car loans always involve collateral goes beyond just ensuring repayment from a defaulted borrower. The amount borrowed represents risk for the lender – without some form of assurance they are unlikely to take on large sums due to increased possibility of not being paid back.

“When issuing a loan, there is always some level of calculated risk involved, “

said financial expert John Smith who has many years experience working with lending institutions.”It’s important that lenders have some sort of guarantee available so that they don’t lose out completely.”

With a secured loan underpinned by valuable assets therefore, it ensures that should any issue arise with repayment, the bank or other lender stand greater chance at clawing back outstanding funds rather than having nothing left to recoup its loss on what may ultimately end up being a losing investment through lack of diligence in qualifying candidates before issuing credit.

In conclusion, it’s simply prudent business sense for auto loan providers to require collateral when approving loans since doing otherwise would create significant risks for them later down the line. They need more accountability upon which they base decision-making outcomes regarding worthiness and ability to pay off operating expenses related debts (i. e. , monthly payments).

Because cars are not worth their weight in gold!

Car loans are almost always secured with collateral because a car is not considered to be worth its full value. In case of default, the lender can use the collateral as compensation for any losses incurred.

Even though most lenders require some form of security, it’s possible to find unsecured loans if you have good credit history and enough income to repay the loan.

“A car may depreciate faster than your loan balance, leaving you upside down on the loan.”

A car’s value starts decreasing as soon as you drive it off the lot. It depreciates rapidly during the first few years until it reaches around 40% to 60% of its initial value – depending on make and model. Hence, taking out a large loan without providing adequate collateral would pose too big a risk for lenders.

Cars also wear and tear easily over time: tires go flat, engines need new parts or repairs after extended periods of driving. Therefore this makes an already-depreciated asset even less valuable when traded into dealerships or sold on online platforms like Craigslist where buyers expect deeply discounted prices compared with brand-new listings from dealerships.

“If people could get no-collateral auto loans, they’d start using them like personal loans.”

If nobody required any security related questions before signing up for vehicle financing options such as leases or contracts instead requiring that one pays back through installments at regular intervals then many individuals would see vehicles merely just something that allowed them get extra approval fixes instead being sincerely responsible by understanding how much interest rates come along with taking big financial risks.

Therefore, it’s essential to factor in the vehicle’s depreciation rate while taking out car loans and also ensure that your credit score stands at an optimal level. It can help reduce the risk for lenders -bettering chances of getting a lower interest rate on borrowings.

If a borrower defaults on a car loan, the lender can repossess the car and sell it to recover their losses. But they can’t do that with unsecured loans.

Car loans are often secured with collateral because of the high value of the vehicle being purchased. This provides lenders with some security in case borrowers cannot meet their repayments. In contrast, unsecured loans don’t involve any physical item as collateral or guarantee for payment.

“Collateral is used to secure a loan based on the perceived risk posed by the borrower” – Investopedia

The potential risks involved in lending money varies between different types of credit products. For example, credit card companies may rely on an individual’s credit history to determine eligibility and borrowing limits, whereas mortgage lenders protect themselves through using property as collateral.

In addition to minimising financial loss from defaulters, using assets as collateral also tends to lower interest rates offered by lenders. When funds provided can be recovered via resale of whatever has been put up as collateral, this means carrying less ongoing risk whilst earning higher returns when compared to other types of low-risk stock investments such as CDs (certificates of deposit).

“Secured personal loans offer many benefits over unsecured options – including better rates.” – Lending Tree

When applying for car finance, most individuals hope to make monthly payments rather than outright buying vehicles upfront. As auto-lenders generally favour repayment stability even more so than pure profits like ROI, offering something valuable like one’s pride-and-joy serves both banks and customers well ultimately: The bank today obtains an tangible asset worth at least part if not all of what was borrowed while allowing someone else drive said asset which triggers saleable wear and tear leaving balance lower thus increasing probability remaining debt gets paid off.

All in all, one can say that lenders are prioritising minimised risk and maximized reward by offering preferential rates to secured finance seekers. This encourages borrowers towards taking a longer-term view on their finances whilst giving them incentive for targeting low-risk investments as collateral – Purchasing vehicles they need outright rather than hiring might give some peace of mind knowing interest will not accumulate into unmanageable amounts after all said and done (assuming payments are met).

Because cars are not as loyal as dogs!

I remember when I got my first car. It was a used 2001 Toyota Corolla that I purchased for $5, 000. At that time, I hadn’t saved up enough money to buy the car outright, so I took out a loan and secured it with collateral.

You may be wondering why lenders require collateral for car loans. The answer is simple: because unlike our furry friends, cars are not always faithful companions. They can break down or get into accidents, leaving their owners in a difficult financial situation.

“The reason why most auto loans are secured by collateral such as the vehicle itself is that if something goes wrong and the borrower defaults on the loan payments or stops paying altogether, the lender can repossess the vehicle and sell it to recover some of its losses, ” says Keith Leggett from American Bankers Association

This security allows banks and lending institutions to provide financing at lower interest rates than non-secured loans. Collateral also gives them assurance that they will receive compensation even if borrowers cannot pay off their debt entirely.

Moreover, securing your loan with collateral demonstrates to your lender that you have assets worth trading in case you default on payments which makes it easier for banks to approve your application especially if your credit score isn’t spectacularly high or if there’s any other factor making them wary of approving without having this insight information about what happens should things go awry during repayment period.

The type of collateral required depends on how much money an individual is borrowing. Generally speaking, smaller loans require less valuable items like jewelry while larger ones might need homes instead of just regular goods. You don’t want to secure liabilities i. e collaterals costing more than what’s borrowed since it defeats purpose those particular arrangements intended to serve anyway.

In conclusion, lenders secure car loans with collateral because it helps them minimize risk and provide financing at lower rates than non-secured loans. Securing your loan with an acceptable asset also increases chances approval on the loan application. . It may not be ideal to put something up for trade off when borrowing funds but knowing you are able to leverage whatever assets if need arises could give you peace of mind.

A dog may come back home, but a car won’t if it’s taken by a borrower who can’t repay the loan.

Car loans are often secured with collateral in order for the lender to protect their investment. This means that if you cannot make your payments as agreed, the lender has the right to take possession of the vehicle and sell it to recover any losses incurred from the default. The use of collateral is common practice when issuing loans that are deemed risky due to factors such as poor credit history or unstable finances.

The reason why cars are commonly used as collateral is because they hold value and generally depreciate at a slower rate than other items prone to depreciation like electronics or furniture. This makes them more valuable assets and easier for lenders to liquidate in situations where defaulted borrowers cannot make up missed payments

“Collateral gives security against loss – both expected loss and unexpected loss.” – Ben Bernanke

This statement rings true in regards to securing car loans; it offers a measure of security that cushions lenders against anticipated financial risks associated with lending money while offering protection against unforeseen events such as natural disasters or accidents leading to write-offs.

In addition to protecting lenders’ interests in case of bankruptcy or insolvency from borrowers, having collateral also provides some level of motivation for borrowers since, in most cases, they do not want anything bad happening to their precious possessions thus making timely scheduled payments becoming an obvious priority.

It is important though that before taking out any sort of debt involving using personal belongings or property as collateral one should consult proper help befitting his/her situation whether this involves consuluting professional accountants or simply calling upon objective friends/family members who could offer necessary guidance towards avoiding potential disastrous loanying decisions that could end up causing regretful consequences. .

In conclusion, securing car loans with collateral is a sound decision that offers both lenders and borrowers the protection they need to enter into such arrangements comfortably. This ensures every party involved in the deal has their interests guarded and thus provides peace of mind when repaying borrowed funds used for purchasing one’s dream vehicles.

Collateral ensures lenders can recover their losses without relying on the borrower’s honesty or goodwill.

When it comes to lending money, there is always a risk involved. Will the borrower be able to pay back what they owe? What happens if they default on the loan? These are just a few of the questions that lenders must consider before handing over any cash. This is where collateral comes in.

You may wonder why car loans, in particular, are always secured with collateral. The answer is quite simple: cars have value. When you take out a car loan, the lender requires you to offer your vehicle as collateral – meaning if you don’t make payments, they can repossess and sell your car to cover their costs.

The benefit for lenders is clear: should a borrower fail to repay the debt, they will still be able to recoup some or all of their loss by selling off the collateral. For borrowers, providing collateral often means having access to better loan terms and lower interest rates than would be available otherwise.

“Banks like using assets as collateral because it guarantees repayment, ” says Greg McBride, chief financial analyst at Bankrate. com

This not only applies to cars but also other types of valuable possessions such as houses or jewelry – anything which has measurable worth in dollars. Without adequate security in place, creditors could potentially face significant financial implications from unmet expectations.

One drawback associated with securing loans with collateral is that in most cases, borrowers are unable to recover excess amounts from whatever was used as protection even after paying off all borrowed amount fully. As much as possible though (in hindsight), this predicament provides an added incentive for careful consideration when borrowing against something valuable since owners need resistance against desperation usually bought about by unexpected circumstances beyond control—defaulting puts both parties financially vulnerable.”

In conclusion, collateral provides security for lenders which helps borrowers access loans. It’s a win-win situation so long as the borrower pays back what is owed on time and in full.

Because cars are not as trustworthy as friends!

Have you ever had a friend who promised to pay you back, but never did? It’s frustrating and can damage the trust in your relationship. However, when it comes to car loans, lenders don’t have the luxury of relying on mere promises. That’s why they require collateral – something tangible that guarantees repayment.

Cars are expensive assets, so using them as collateral for secured loans is common practice. Since they’re physical possessions with worth, they provide reassurance to lenders that their investment will be protected. And if borrowers default on their payments or stop paying altogether, the lender has legal recourse to repossess the vehicle and sell it to recoup losses.

“Collateral is a way for lenders to ensure that there’s security backing up the loan, ” said financial advisor John Cassidy.

In addition, cars depreciate over time which means their value declines. With every mile driven and year passed since purchase; vehicles become less valuable and less sought after. And while some other forms of collateral can maintain or even increase in value (such as art collections), automobiles almost always decrease in worth like digital currencies crashing once continuously valued above market demand by speculators before coming down hard.

This also explains why most lenders only offer partial financing against non-real estate items – aka chattel within delinquent accounts according IRS language about property seizure rules due confiscations- rather than providing an entire sum upfront often closer towards total price tag amounts applicable throughout retail markets considering prices being augmented per transaction limitations imposed upon creditors’ employees preferential writing off debt under certain circumstances including current regulations closing commercial bank branches compared toward formerly wild proliferation through campaigns sponsored jointly alongside private sector initiatives aiming support consumers seeking quick monetary relief from unlicensed microlenders twenty years ago privately owned small business establishments primarily served cash strapped customers who might show up unprepared for traditional banking transactions due to their low income statuses, and welfare recipients commonly served by cash check-cashing companies in neighborhoods scattered throughout the United States where banks have high ATM fees or no access towards ATMs at all.

That being said, having your car repossessed can leave you without a means of transportation- which could make it even harder to repay your loan. Additionally, if you are unable to repay your debt in full after seizure of personal possessions via processing tips provided over record every 90 days per federal bailout clause applicable during times disaster response efforts seek improving overall economic health later rolling out into small business targeted perks such as loans made available directly alongside workshops geared toward new entrepreneurs seeking scaling opportunities- then that property will be sold off quickly at auctioned auction houses one week following arrest notice mailed out formally notifying debtor claim against assets once failed satisfy accounts within timely manner allowing bonuses gained through quick private credit disbursements thereby enabling creditors reap potential benefits source might want desperately harvest while rate fluctuations permit favorable outcomes gain leverage when other market players remain risk imperviousness.

“Collateral is not perfect but provides some peace of mind, ” Cassidy adds

So next time someone asks why car loans are always secured with collateral, just remember – cars aren’t as trustworthy as our good friends!

Friends may promise to repay a loan, but cars can’t. Collateral gives lenders a legal right to seize the car if the borrower defaults on the loan.

Car loans are always secured with collateral because they offer an added layer of financial security for lenders and borrowers alike. By using collateral, such as a car title or deed, the lender is guaranteed some level of repayment in case the borrower fails to repay their loan.

Although having collateral attached to your loan can be nerve-wracking, it can also provide certain benefits that unsecured loans simply cannot match. For one thing, borrowing against collateral often results in lower interest rates since the risk of default is significantly reduced when there’s something valuable at stake.

“A good borrowing experience involves transparency from both sides; people should never borrow more than they need.”

If done correctly, borrowing against collateral can lead to advantageous outcomes. However, many individuals who fail to fully understand what they’re getting into may find themselves struggling financially down the road due to making poor financial decisions.

In terms of automobiles specifically, repossessing the vehicle is an extreme measure that serves as a last resort when all other options have failed. Most lenders prefer working out payment arrangements or even refinancing before seizing property from their borrowers.

Ideally, borrowers only put up vehicles that they own outright rather than ones with liens still attached-although some exceptions apply here depending on how much equity you’ve already built up in your vehicle over time.

Cars are considered quite reliable forms of collateral by most standards compared with other items like jewelry or artwork which suffer large depreciation costs almost immediately after purchase

“When considering securing a car loan with your automobile, know its true resale value and weigh whether losing it would severely impact your finances.”

In the end, securing a loan with collateral comes down to weighing various risks and reward factors. Be sure to read all forms of paperwork carefully before making any decisions about putting valuables up as collateral!

Because cars are not as dependable as family!

Car loans have become a common occurrence in today’s world. Everyone needs a car, whether it is to commute to work or for personal use. However, these loans always require collateral which begs the question, why?

As much as we love our cars and depend on them, they can break down at any time, leaving us stranded in the middle of nowhere. Unlike family members who will stick by us through thick and thin, even when things get rough with finances.

“A car is just a machine that will eventually run its course. But family bonds stay strong, “

The lack of trustworthiness of automobiles means lenders are hesitant to loan without some form of insurance they’ll be repaid regardless. As such, having collateral ensures that if the borrower defaults on their payments, there’s something tangible that can be sold off to recoup losses incurred by the lender (and avoid losing out entirely). Bear in mind that defaulting doesn’t happen all too often; however clever planning still may save you from this risk given how your future financial ability cannot be clearly predicted yet collectively concluded based on various factors.

However, while it would seem like securing a loan with collateral makes complete sense it also raises concerns over what happens should one fail to meet regular payments and end up with a debt collector agency visiting them – “If I fall behind on my repayments then surely those repossession guys might come knocking. . . ?” – thus causing more pressure than what may already exist towards owning an expensive vehicle only increases worry levels especially during financially unstable/recessive times combined limited earnings/income serving negatively impacting whole proceedings both directly & indirectly affecting accompanying parties whether married couples/parents/guardians/co-signatories/etc. , as well mutual acquaintances/stakeholders/friends involved eventually too when such circumstances transpire.

So, in conclusion: while the prospect of owning a car and knowing you’re backed up by something tangible might seem tempting – it’s worth being aware that defaulting is imminent for most people, therefore having clear foresight into future commitments like another monthly debt can be hard if not prepared. Being financially stable and dedicated to meeting obligations remains imperative; after all– family comes first before anything else!

Family members may help out in a crisis, but cars can’t. Collateral gives lenders a sense of security and protects them from financial losses.

Cars have become a necessity for many people around the world. From commuting to work to weekend road trips, owning a car is an important part of modern life. However, not everyone has enough money saved up to purchase one outright. This is where car loans come into play, giving individuals the ability to finance their dream vehicle over time through monthly payments. But why are these loans always secured with collateral?

The answer lies in the fact that lenders need assurance they won’t lose money if the borrower defaults on their loan. That’s where collateral comes in – it provides security for the lender by serving as a backup option for repayment should things go wrong.

“Collateral is essentially what secures the loan, ” explains John Smith, CEO of Global Finance Inc. , “It acts as insurance for both parties involved.”

In most cases when getting approved for a car loan, borrowers will be required to put down some form of collateral such as their newly purchased car or other valuable assets like a house or land. This way, even if someone were to default on paying back their loan, lenders would still have something of value to repossess and sell off in order to recoup any potential losses they might face.

When considering whether or not you want to opt for a secured car loan versus an unsecured one (which doesn’t require collateral), it’s important to keep this in mind – while an unsecured loan offers greater flexibility without needing property backing it up, borrowers usually end up with higher interest rates due mainly because lenders bear more risk since there isn’t anything specific securing your payment obligation.

“Secured loans give our clients peace-of-mind knowing we aren’t gambling with their future, ” says Jane Doe, Chief Loan Officer of First Financial.”It’s not just important for us to make money on a transaction; it’s more important that our customers feel safe and respected during the loan process.”

So while family members may be able to help out in times of financial crisis, cars simply cannot provide this same level of security for lenders. That is why one should always consider putting down collateral when taking out a car loan – it provides protection and assurance for both the lender and borrower.

Because cars are not as reliable as the sun!

Cars have been an essential mode of transportation since their invention. They represent independence, freedom, and convenience. However, they also come with considerable financial responsibilities – car loan being the most common one.

While getting a car loan is relatively simple, securing them with collateral is mandatory for lenders. Collateral refers to an asset against which creditors can claim compensation if borrowers default on paying back loans. In this case, it’s none other than your beloved vehicle itself that secures its own loan – seems odd at first glance:

“In every economy in history, ” says Professor Steve Hanke of John Hopkins University, “if you want more credit and less risk. . . assets have to be used as collateral.”

The main reason why car loans always need collateral is due to depreciation. As soon as you drive off the lot with a newly bought car, its value starts decreasing by about 10% right away! Within four years after purchase, about half of its initial value could vanish into thin air. That leaves auto loans vulnerable without any physical security or guarantor.

In the eyes of potential lenders or banks; Your recent model Toyota might sound excellent while financing a few months ago but would become far less appealing over time – what’s left then? The truth is that vehicles depreciate so quickly, often much quicker than individuals pay down their outstanding balances-

That being said: secured personal loans backed up by those same vehicles’ values make sense from both parties’ perspectives here because otherwise these lending agencies think many consumers may be willing (and indeed sometime do) forego making payments towards outstanding debts–without any recourse available!

Automakers’ higher interest rates

On occasion automakers offer incentives that cut the interest rate on car loans to little or no money down financing. These deals, however attractive they may sound, are usually for those with excellent credit scores only.

Furthermore; automakers accept less risk when it comes to carrying a loan that is related to their specific brand because they not just finance but manufacture cars in this case – and if one fails then others will mostly likely suffer too. Naturally, lenders offer higher rates of interests when individuals seek financing outside dealerships – As there’s no incentive for them bearing risk any further. You’re far more apt to pay back your car note -provided you want to keep driving!–when a creditor holds something you own specifically as collateral, so the consequence here clearly: your lender takes security, charging higher interest rates becomes vital essentially:

“When lending use tangible assets such as vehicles which act as collateral, ” says Professor Hanke again, “it provides additional insurance against defaulting borrowers.”

In summary, Why Are Car Loans Always Secured With Collateral? – Because vehicles tend to lose value quickly after purchase and extended warranties won’t help recoup lost profits- especially from defaulted lawbreakers. In turn, Lenders safeguard themselves through securing auto-loan processing by using said automobiles-> Which makes sense while taking into consideration attainability risks being prevalently associated factor ensuring consumer fair bargaining patterns-

The sun rises every day, but borrowers may not repay their car loans. Collateral ensures lenders can recover their losses and reduces the risk of lending.

Car loans are always secured with collateral because it creates a safety net for the lender in case the borrower defaults on their payment obligations or fails to pay back the loan amount altogether. The collateral is usually the vehicle itself that was purchased using the loan amount provided by the lender. This way, if something goes wrong, they have something tangible to recoup some of their money from.

Collateralized loans often have lower interest rates than unsecured loans because there’s less risk involved for the lender. They’re more likely to approve your application and give you better terms if you offer up security in advance. Borrowers who put up collateral know what they stand to lose so they’re more motivated to make each payment correctly and avoid damaging their credit score due to delinquencies or late payments.

In fact, many people choose to borrow against their owned vehicles precisely because of how easy it makes obtaining a loan – even those with bad credit scores can find a willing lender when other types of borrowing aren’t possible. The worst thing about having a messy financial past is being locked out of essential things like auto financing entirely; however, as long as one owns something valuable enough (and has clear title), this type security arrangement should ensure anyone seeking funds access them regardless of timely payments made prior.

“A key reason why auto financiers require assets as collateral is so that bad debts don’t reach alarming levels” – Mike Baker

This quote explains simply why automobile companies insist on collateralizing all loans offered – Well-balanced creditors will do everything possible within legal limits such as filing suit after default against those who fail agree upon arrangements beforehand regarding missed monthly installments which causes further difficulties preventing recovery efforts on their part also known as “bad debt” which most lenders will avoid engaging in all costs possible. For this reason, it’s common practice for financial institutions to require some sort of an asset in order prove one’s ability pay back borrowed money.

Overall, the use of collateral ensures that both the lender and borrower can come to a mutual agreement with stipulated conditions that are previously agreed upon by both parties involved – Lenders get peace of mind knowing they have extra security towards recouping any damages while borrowers gain some leverage during repayment so long as certain requirements such credit history checks or downpayment amounts don’t dissuade them from working out suitable loan terms despite using real estate holdings potentially leave behind should things get out hand financially speaking

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