// Questions file created by MCBuilder © Mike Capstick
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 gametitle='Banking Terms';
 questions=new Array();
questions[1]='AAPR  is~the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.~the time frame during which a buyer is expected to pay off a loan and its interest.~a variable interest rate generally lower than the standard.~a loan that switches between two schemes, usually from fixed to variable rate or vice versa.~a law that protects the borrower from fraud, deception, and other illegal activities by lenders and financial institutions.~A~1~1~<br /> AAPR  is the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.<br /> Amortisation Period  is the time frame during which a buyer is expected to pay off a loan and its interest.<br /> Basic Rate  is a variable interest rate generally lower than the standard.<br /> Combination Loan  is a loan that switches between two schemes, usually from fixed to variable rate or vice versa.<br /> Uniform Consumer Credit Code  is a law that protects the borrower from fraud, deception, and other illegal activities by lenders and financial institutions.<br />';
questions[2]='ABIO  is~an independent body that handles disputes between individuals and financial institutions.~charged when a borrower defaults, refinances, or transfers a loan to another lender.~the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.~a type of loan that uses part of the asset\'s value as security. The security is usually a large percentage of the home, typically around 75% of the total value.~an unsecured debt supported only by the borrower\'s credit, or evidence of good credit, rather than a specific property or collateral.~A~1~1~<br /> AAPR  is the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.<br /> ABIO  is an independent body that handles disputes between individuals and financial institutions.<br /> A Debenture  is an unsecured debt supported only by the borrower\'s credit, or evidence of good credit, rather than a specific property or collateral.<br /> Equity Mortgage  is a type of loan that uses part of the asset\'s value as security. The security is usually a large percentage of the home, typically around 75% of the total value.<br /> Exit Fee  is charged when a borrower defaults, refinances, or transfers a loan to another lender.<br />';
questions[3]='ATM  is~an automatic teller machine, a public device that lets you make withdrawals, deposits, balance inquiries, and other transactions without the need for an actual teller.~imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.~ used to finance the building of a new home or property.~a term used when the highest bid on a property does not meet the reserve price set by the vendor.~an outstanding charge or liability on a property, which limits its use or prevents full transfer of ownership.~A~1~1~<br /> ATM  is an automatic teller machine, a public device that lets you make withdrawals, deposits, balance inquiries, and other transactions without the need for an actual teller.<br /> Construction Loan  is  used to finance the building of a new home or property.<br /> Encumbrance  is an outstanding charge or liability on a property, which limits its use or prevents full transfer of ownership.<br /> Passed In  is a term used when the highest bid on a property does not meet the reserve price set by the vendor.<br /> Service Fee  is imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.<br />';
questions[4]='Accrued interest  is~interest that has been recognized, but not yet paid or charged.~a payment scheme wherein both the principal and the interest are paid out in regular installments every month.~charged to borrowers who wish to switch from one type of loan to another.~the simplest and most common form of property ownership in Australia.~is charged to cardholders or merchants who accept electronic payments from other banks through a card network, such as VISA or MasterCard.~A~1~1~<br /> Accrued interest  is interest that has been recognized, but not yet paid or charged.<br /> Interchange fee  is is charged to cardholders or merchants who accept electronic payments from other banks through a card network, such as VISA or MasterCard.<br /> Principal and Interest  is a payment scheme wherein both the principal and the interest are paid out in regular installments every month.<br /> Switching Fee  is charged to borrowers who wish to switch from one type of loan to another.<br /> Torrens Title  is the simplest and most common form of property ownership in Australia.<br />';
questions[5]='Additional Repayment  is~a payments you make above the minimum monthly requirement on a loan.~a term descibing movable personal property such as clothes, furniture, and appliances, as opposed to permanent fixtures like homes and buildings.~interest that has been recognized, but not yet paid or charged.~the effective interest rates charged to the borrower, taking one-time expenses such as opening fees into account.~a special loan program offering lower interest rates than the standard variable rate loan.~A~1~1~<br /> Accrued interest  is interest that has been recognized, but not yet paid or charged.<br /> Additional Repayment  is a payments you make above the minimum monthly requirement on a loan.<br /> Annual Percentage Rate  is the effective interest rates charged to the borrower, taking one-time expenses such as opening fees into account.<br /> Basic Variable  is a special loan program offering lower interest rates than the standard variable rate loan.<br /> Chattels  is a term descibing movable personal property such as clothes, furniture, and appliances, as opposed to permanent fixtures like homes and buildings.<br />';
questions[6]='Adjustment  is~a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.~the asset used as collateral or security on a home loan, which is usually all or part of the value of the property being purchased.~an outstanding charge or liability on a property, which limits its use or prevents full transfer of ownership.~a type of loan that uses part of the asset\'s value as security. The security is usually a large percentage of the home, typically around 75% of the total value.~a small fee made to indicate one\'s interest in buying a property.~A~1~1~<br /> Adjustment  is a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.<br /> Encumbrance  is an outstanding charge or liability on a property, which limits its use or prevents full transfer of ownership.<br /> Equity Mortgage  is a type of loan that uses part of the asset\'s value as security. The security is usually a large percentage of the home, typically around 75% of the total value.<br /> Holding Deposit  is a small fee made to indicate one\'s interest in buying a property.<br /> Mortgage  is the asset used as collateral or security on a home loan, which is usually all or part of the value of the property being purchased.<br />';
questions[7]='All In One Loan  is~a loan that allows you to deposit your savings, income, and other funds into your loan, and easily withdraw them as needed.~a fee charged for the inspection of a property to determine its value, or more specifically, the surveyor or lender\'s opinion of its value to be used as security for the loan.~a loan feature that allows you to make additional repayments and withdraw them anytime.~a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.~the fee  charged upon full payment or at the end of a loan period.~A~1~1~<br /> All In One Loan  is a loan that allows you to deposit your savings, income, and other funds into your loan, and easily withdraw them as needed.<br /> Discharge fee  is the fee  charged upon full payment or at the end of a loan period.<br /> Portability  is a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.<br /> Redraw Facility  is a loan feature that allows you to make additional repayments and withdraw them anytime.<br /> Valuation fee  is a fee charged for the inspection of a property to determine its value, or more specifically, the surveyor or lender\'s opinion of its value to be used as security for the loan.<br />';
questions[8]='Amortisation Period  is~the time frame during which a buyer is expected to pay off a loan and its interest.~interest that has been recognized, but not yet paid or charged.~an electronic payment system offered by many Australian financial institutions.~imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.~a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.~A~1~1~<br /> Accrued interest  is interest that has been recognized, but not yet paid or charged.<br /> Amortisation Period  is the time frame during which a buyer is expected to pay off a loan and its interest.<br /> BPay  is an electronic payment system offered by many Australian financial institutions.<br /> EFTPOS  is a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.<br /> Service Fee  is imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.<br />';
questions[9]='Annual Percentage Rate  is~the effective interest rates charged to the borrower, taking one-time expenses such as opening fees into account.~a fee charged to the borrower or consumer to cover the initial costs of the loan approval process.~the asset used as collateral or security on a home loan, which is usually all or part of the value of the property being purchased.~the amount of money borrowed against the total value of the property in a home equity loan.~an Australian banking service allowing holders of card-based accounts to make bank transactions via post.~A~1~1~<br /> Annual Percentage Rate  is the effective interest rates charged to the borrower, taking one-time expenses such as opening fees into account.<br /> Application Fee  is a fee charged to the borrower or consumer to cover the initial costs of the loan approval process.<br /> Giro Post  is an Australian banking service allowing holders of card-based accounts to make bank transactions via post.<br /> Loan to Value Ratio  is the amount of money borrowed against the total value of the property in a home equity loan.<br /> Mortgage  is the asset used as collateral or security on a home loan, which is usually all or part of the value of the property being purchased.<br />';
questions[10]='Annual fee  is~an ongoing fee charged to the borrower in a loan, as well as credit card holders, as payment for keeping their account active.~a payment system that draws funds directly against your savings or bank account.~the time frame during which a buyer is expected to pay off a loan and its interest.~a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.~a loan that switches between two schemes, usually from fixed to variable rate or vice versa.~A~1~1~<br /> Amortisation Period  is the time frame during which a buyer is expected to pay off a loan and its interest.<br /> Annual fee  is an ongoing fee charged to the borrower in a loan, as well as credit card holders, as payment for keeping their account active.<br /> Combination Loan  is a loan that switches between two schemes, usually from fixed to variable rate or vice versa.<br /> Debit card  is a payment system that draws funds directly against your savings or bank account.<br /> Interest Only Loan  is a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.<br />';
questions[11]='Application Fee  is~a fee charged to the borrower or consumer to cover the initial costs of the loan approval process.~an electronic payment system offered by many Australian financial institutions.~an official body that handles formal disputes between consumers and financial institutions.~a premier credit reporting agency responsible for keeping files on all borrowers and financial institutions.~used to describe a property that shares a common wall with another property.~A~1~1~<br /> Application Fee  is a fee charged to the borrower or consumer to cover the initial costs of the loan approval process.<br /> BPay  is an electronic payment system offered by many Australian financial institutions.<br /> CRAA  is a premier credit reporting agency responsible for keeping files on all borrowers and financial institutions.<br /> Ombudsman  is an official body that handles formal disputes between consumers and financial institutions.<br /> Semi Detached  is used to describe a property that shares a common wall with another property.<br />';
questions[12]='At call  is~used to describe funds that are accessible at any time, instead of being locked away like term deposits.~a loan that lets you obtain funds at will within a specified time, and up to a given credit limit.~a fee paid when a home loan is closed before the loan period ends.~the fee  charged upon full payment or at the end of a loan period.~imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.~A~1~1~<br /> At call  is used to describe funds that are accessible at any time, instead of being locked away like term deposits.<br /> Discharge fee  is the fee  charged upon full payment or at the end of a loan period.<br /> Line of Credit  is a loan that lets you obtain funds at will within a specified time, and up to a given credit limit.<br /> Mortgage Discharge  is a fee paid when a home loan is closed before the loan period ends.<br /> Service Fee  is imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.<br />';
questions[13]='BPay  is~an electronic payment system offered by many Australian financial institutions.~the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.~a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.~a tax offset strategy.~an outstanding charge or liability on a property, which limits its use or prevents full transfer of ownership.~A~1~1~<br /> BPay  is an electronic payment system offered by many Australian financial institutions.<br /> Encumbrance  is an outstanding charge or liability on a property, which limits its use or prevents full transfer of ownership.<br /> Freehold  is a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.<br /> Negative Gearing  is a tax offset strategy.<br /> Principal  is the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.<br />';
questions[14]='Basic Rate  is~a variable interest rate generally lower than the standard.~the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.~an official body that handles formal disputes between consumers and financial institutions.~an electronic payment system offered by many Australian financial institutions.~the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.~A~1~1~<br /> AAPR  is the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.<br /> BPay  is an electronic payment system offered by many Australian financial institutions.<br /> Basic Rate  is a variable interest rate generally lower than the standard.<br /> Early Termination Charges  is the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.<br /> Ombudsman  is an official body that handles formal disputes between consumers and financial institutions.<br />';
questions[15]='Basic Variable  is~a special loan program offering lower interest rates than the standard variable rate loan.~a loan that is secured against a property, but does not hold the borrower personally liable for the loan.~a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.~an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.~a bank account, usually savings, that is linked to a mortgage loan.~A~1~1~<br /> Basic Variable  is a special loan program offering lower interest rates than the standard variable rate loan.<br /> EFTPOS  is a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.<br /> Non-recourse loan  is a loan that is secured against a property, but does not hold the borrower personally liable for the loan.<br /> Official Cash Rate  is an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.<br /> Offset Account  is a bank account, usually savings, that is linked to a mortgage loan.<br />';
questions[16]='Body Corporate  is~an organization formed by the unit owners of an apartment or strata building.~an automatic teller machine, a public device that lets you make withdrawals, deposits, balance inquiries, and other transactions without the need for an actual teller.~an ongoing fee charged regularly to a borrower throughout the duration of a loan.~ a method of payment wherein funds are directly withdrawn from your bank account.~a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.~A~1~1~<br /> ATM  is an automatic teller machine, a public device that lets you make withdrawals, deposits, balance inquiries, and other transactions without the need for an actual teller.<br /> Body Corporate  is an organization formed by the unit owners of an apartment or strata building.<br /> Direct Debit  is  a method of payment wherein funds are directly withdrawn from your bank account.<br /> FID  is a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.<br /> Loan Maintenance Fee  is an ongoing fee charged regularly to a borrower throughout the duration of a loan.<br />';
questions[17]='Break Costs  is~a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.~a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.~a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.~a payment scheme wherein both the principal and the interest are paid out in regular installments every month.~any fee that is paid throughout the duration of a loan, credit card, or other financial contract.~A~1~1~<br /> Break Costs  is a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.<br /> Interest Only Loan  is a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.<br /> Ongoing Fee  is any fee that is paid throughout the duration of a loan, credit card, or other financial contract.<br /> Principal and Interest  is a payment scheme wherein both the principal and the interest are paid out in regular installments every month.<br /> Search  is a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.<br />';
questions[18]='CRAA  is~a premier credit reporting agency responsible for keeping files on all borrowers and financial institutions.~a bank account, usually savings, that is linked to a mortgage loan.~a state tax imposed on the sale value of a property.~a variable interest rate generally lower than the standard.~an official body that handles formal disputes between consumers and financial institutions.~A~1~1~<br /> Basic Rate  is a variable interest rate generally lower than the standard.<br /> CRAA  is a premier credit reporting agency responsible for keeping files on all borrowers and financial institutions.<br /> Mortgage Stamp Duty  is a state tax imposed on the sale value of a property.<br /> Offset Account  is a bank account, usually savings, that is linked to a mortgage loan.<br /> Ombudsman  is an official body that handles formal disputes between consumers and financial institutions.<br />';
questions[19]='Capped Loan  is~a loan wherein the interest rate may go lower than, but cannot exceed, a preset level.~imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.~a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.~the amount of money borrowed against the total value of the property in a home equity loan.~the simplest and most common form of property ownership in Australia.~A~1~1~<br /> Adjustment  is a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.<br /> Capped Loan  is a loan wherein the interest rate may go lower than, but cannot exceed, a preset level.<br /> Loan to Value Ratio  is the amount of money borrowed against the total value of the property in a home equity loan.<br /> Service Fee  is imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.<br /> Torrens Title  is the simplest and most common form of property ownership in Australia.<br />';
questions[20]='Caveat  is~a Latin word which literally means beware.~used to describe a property that shares a common wall with another property.~a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.~an official body that handles formal disputes between consumers and financial institutions.~an ongoing fee charged to the borrower in a loan, as well as credit card holders, as payment for keeping their account active.~A~1~1~<br /> Annual fee  is an ongoing fee charged to the borrower in a loan, as well as credit card holders, as payment for keeping their account active.<br /> Caveat  is a Latin word which literally means beware.<br /> Ombudsman  is an official body that handles formal disputes between consumers and financial institutions.<br /> Portability  is a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.<br /> Semi Detached  is used to describe a property that shares a common wall with another property.<br />';
questions[21]='Certificate Of Title  is~an official document stating that a person owns a piece of land or property.~a special type of loan usually offered by solicitors to investors.~a term that describes banking via a website managed by your bank or financial institution.~is charged to cardholders or merchants who accept electronic payments from other banks through a card network, such as VISA or MasterCard.~an independent body that handles disputes between individuals and financial institutions.~A~1~1~<br /> ABIO  is an independent body that handles disputes between individuals and financial institutions.<br /> Certificate Of Title  is an official document stating that a person owns a piece of land or property.<br /> Interchange fee  is is charged to cardholders or merchants who accept electronic payments from other banks through a card network, such as VISA or MasterCard.<br /> Internet Banking  is a term that describes banking via a website managed by your bank or financial institution.<br /> Solicitors Mortgage  is a special type of loan usually offered by solicitors to investors.<br />';
questions[22]='Charge card  is~a charge card allows you to credit your purchases on a separate account payable at the end of every month.~the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.~a bank account that is linked to a home loan.~a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.~designed to provide at-call access to your funds via internet and phone banking.~A~1~1~<br /> AAPR  is the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.<br /> Charge card  is a charge card allows you to credit your purchases on a separate account payable at the end of every month.<br /> Mortgage Offset  is a bank account that is linked to a home loan.<br /> Online savings account  is designed to provide at-call access to your funds via internet and phone banking.<br /> Portability  is a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.<br />';
questions[23]='Chattels  is~a term descibing movable personal property such as clothes, furniture, and appliances, as opposed to permanent fixtures like homes and buildings.~the percentage of a borrower\'s income that will be used to pay off a loan.~a fee paid when a home loan is closed before the loan period ends.~used to describe the purchase of a property before it is fully constructed; i.e. during the planning stage.~a loan wherein the interest rate may go lower than, but cannot exceed, a preset level.~A~1~1~<br /> Capped Loan  is a loan wherein the interest rate may go lower than, but cannot exceed, a preset level.<br /> Chattels  is a term descibing movable personal property such as clothes, furniture, and appliances, as opposed to permanent fixtures like homes and buildings.<br /> The Debt Service Ratio  is the percentage of a borrower\'s income that will be used to pay off a loan.<br /> Mortgage Discharge  is a fee paid when a home loan is closed before the loan period ends.<br /> Off the Plan  is used to describe the purchase of a property before it is fully constructed; i.e. during the planning stage.<br />';
questions[24]='Combination Loan  is~a loan that switches between two schemes, usually from fixed to variable rate or vice versa.~a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.~an ongoing fee charged to the borrower in a loan, as well as credit card holders, as payment for keeping their account active.~an organization formed by the unit owners of an apartment or strata building.~a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.~A~1~1~<br /> Annual fee  is an ongoing fee charged to the borrower in a loan, as well as credit card holders, as payment for keeping their account active.<br /> Body Corporate  is an organization formed by the unit owners of an apartment or strata building.<br /> Combination Loan  is a loan that switches between two schemes, usually from fixed to variable rate or vice versa.<br /> Interest Only Loan  is a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.<br /> Search  is a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.<br />';
questions[25]='Common Property  is~any property which is owned by a number of tenants instead of a single individual.~the date on which the full payment for a loan, asset or security is actually made.~an agreement issued by a bank or financial institution that guarantees full payment by the due date.~the simplest and most common form of property ownership in Australia.~a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.~A~1~1~<br /> Common Property  is any property which is owned by a number of tenants instead of a single individual.<br /> Deposit Bond  is an agreement issued by a bank or financial institution that guarantees full payment by the due date.<br /> Freehold  is a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.<br /> Settlement Date  is the date on which the full payment for a loan, asset or security is actually made.<br /> Torrens Title  is the simplest and most common form of property ownership in Australia.<br />';
questions[26]='Comparison Rate  is~the true rate of a loan, taking into account the upfront costs, ongoing fees, and other fees not commonly included in advertised rates.~a fee paid when a home loan is closed before the loan period ends.~the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.~an official document stating that a person owns a piece of land or property.~a fee charged for the inspection of a property to determine its value, or more specifically, the surveyor or lender\'s opinion of its value to be used as security for the loan.~A~1~1~<br /> Certificate Of Title  is an official document stating that a person owns a piece of land or property.<br /> Comparison Rate  is the true rate of a loan, taking into account the upfront costs, ongoing fees, and other fees not commonly included in advertised rates.<br /> Mortgage Discharge  is a fee paid when a home loan is closed before the loan period ends.<br /> Principal  is the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.<br /> Valuation fee  is a fee charged for the inspection of a property to determine its value, or more specifically, the surveyor or lender\'s opinion of its value to be used as security for the loan.<br />';
questions[27]='Construction Loan  is~ used to finance the building of a new home or property.~a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.~a term descibing movable personal property such as clothes, furniture, and appliances, as opposed to permanent fixtures like homes and buildings.~an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.~a person or company that lends out money to help others buy homes or property.~A~1~1~<br /> Chattels  is a term descibing movable personal property such as clothes, furniture, and appliances, as opposed to permanent fixtures like homes and buildings.<br /> Construction Loan  is  used to finance the building of a new home or property.<br /> Interest Only Loan  is a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.<br /> Mortgagee  is a person or company that lends out money to help others buy homes or property.<br /> Official Cash Rate  is an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.<br />';
questions[28]='Consumer Credit Code  is~the code to protect borrowers from deception, fraud, and other illegal dealings by lenders and financial institutions.~a bank account that gives you a fixed interest rate for a predetermined period, usually from one to three years.~a fee charged for the inspection of a property to determine its value, or more specifically, the surveyor or lender\'s opinion of its value to be used as security for the loan.~ a method of payment wherein funds are directly withdrawn from your bank account.~the effective interest rates charged to the borrower, taking one-time expenses such as opening fees into account.~A~1~1~<br /> Annual Percentage Rate  is the effective interest rates charged to the borrower, taking one-time expenses such as opening fees into account.<br /> Consumer Credit Code  is the code to protect borrowers from deception, fraud, and other illegal dealings by lenders and financial institutions.<br /> Direct Debit  is  a method of payment wherein funds are directly withdrawn from your bank account.<br /> Term Deposit  is a bank account that gives you a fixed interest rate for a predetermined period, usually from one to three years.<br /> Valuation fee  is a fee charged for the inspection of a property to determine its value, or more specifically, the surveyor or lender\'s opinion of its value to be used as security for the loan.<br />';
questions[29]='Contract  is~an agreement between two entities, which may or may not be written.~an official document stating that a person owns a piece of land or property.~a bank account, usually savings, that is linked to a mortgage loan.~a fee sometimes paid when a borrower makes additional repayments beyond the monthly minimum on a loan.~the process of officially transferring a property title from one party to another.~A~1~1~<br /> Certificate Of Title  is an official document stating that a person owns a piece of land or property.<br /> Contract  is an agreement between two entities, which may or may not be written.<br /> Conveyancing  is the process of officially transferring a property title from one party to another.<br /> Interest Adjustment  is a fee sometimes paid when a borrower makes additional repayments beyond the monthly minimum on a loan.<br /> Offset Account  is a bank account, usually savings, that is linked to a mortgage loan.<br />';
questions[30]='Conveyancing  is~the process of officially transferring a property title from one party to another.~a right-of-way granted to individuals or companies providing services to improve one\'s property.~a state tax imposed on the sale value of a property.~a loan feature that allows you to make additional repayments and withdraw them anytime.~a financial institution fully owned and controlled by its members.~A~1~1~<br /> Conveyancing  is the process of officially transferring a property title from one party to another.<br /> Credit Union  is a financial institution fully owned and controlled by its members.<br /> Easement  is a right-of-way granted to individuals or companies providing services to improve one\'s property.<br /> Mortgage Stamp Duty  is a state tax imposed on the sale value of a property.<br /> Redraw Facility  is a loan feature that allows you to make additional repayments and withdraw them anytime.<br />';
questions[31]='Credit Union  is~a financial institution fully owned and controlled by its members.~a bank account, usually savings, that is linked to a mortgage loan.~a payment system that draws funds directly against your savings or bank account.~used to designate ownership of a building unit, rather than a full piece of land.~a loan feature that allows you to make additional repayments and withdraw them anytime.~A~1~1~<br /> Credit Union  is a financial institution fully owned and controlled by its members.<br /> Debit card  is a payment system that draws funds directly against your savings or bank account.<br /> Offset Account  is a bank account, usually savings, that is linked to a mortgage loan.<br /> Redraw Facility  is a loan feature that allows you to make additional repayments and withdraw them anytime.<br /> Strata Title  is used to designate ownership of a building unit, rather than a full piece of land.<br />';
questions[32]='The Debt Service Ratio  is~the percentage of a borrower\'s income that will be used to pay off a loan.~used to describe the cap on the amount you can deduct from your home equity.~a tax offset strategy.~a loan secured by the equity or part of the value of the property.~a payment scheme wherein both the principal and the interest are paid out in regular installments every month.~A~1~1~<br /> The Debt Service Ratio  is the percentage of a borrower\'s income that will be used to pay off a loan.<br /> Equity reduction limit  is used to describe the cap on the amount you can deduct from your home equity.<br /> Home Equity Loan  is a loan secured by the equity or part of the value of the property.<br /> Negative Gearing  is a tax offset strategy.<br /> Principal and Interest  is a payment scheme wherein both the principal and the interest are paid out in regular installments every month.<br />';
questions[33]='A Debenture  is~an unsecured debt supported only by the borrower\'s credit, or evidence of good credit, rather than a specific property or collateral.~a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.~an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.~the simplest and most common form of property ownership in Australia.~a variable interest rate generally lower than the standard.~A~1~1~<br /> Adjustment  is a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.<br /> Basic Rate  is a variable interest rate generally lower than the standard.<br /> A Debenture  is an unsecured debt supported only by the borrower\'s credit, or evidence of good credit, rather than a specific property or collateral.<br /> Official Cash Rate  is an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.<br /> Torrens Title  is the simplest and most common form of property ownership in Australia.<br />';
questions[34]='Debit card  is~a payment system that draws funds directly against your savings or bank account.~an agreement between two entities, which may or may not be written.~a loan designed for senior citizens who want to convert their home equity into cash.~a policy that ensures owners of a set return on their investment property.~a bank account, usually savings, that is linked to a mortgage loan.~A~1~1~<br /> Contract  is an agreement between two entities, which may or may not be written.<br /> Debit card  is a payment system that draws funds directly against your savings or bank account.<br /> Offset Account  is a bank account, usually savings, that is linked to a mortgage loan.<br /> Rental Guarantee  is a policy that ensures owners of a set return on their investment property.<br /> Reverse mortgage  is a loan designed for senior citizens who want to convert their home equity into cash.<br />';
questions[35]='Deposit Bond  is~an agreement issued by a bank or financial institution that guarantees full payment by the due date.~a loan that switches between two schemes, usually from fixed to variable rate or vice versa.~designed to provide at-call access to your funds via internet and phone banking.~the percentage of a borrower\'s income that will be used to pay off a loan.~the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.~A~1~1~<br /> Combination Loan  is a loan that switches between two schemes, usually from fixed to variable rate or vice versa.<br /> The Debt Service Ratio  is the percentage of a borrower\'s income that will be used to pay off a loan.<br /> Deposit Bond  is an agreement issued by a bank or financial institution that guarantees full payment by the due date.<br /> Early Termination Charges  is the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.<br /> Online savings account  is designed to provide at-call access to your funds via internet and phone banking.<br />';
questions[36]='Direct Credit  is~a payment system that transfers funds electronically from one account to another.~an automatic teller machine, a public device that lets you make withdrawals, deposits, balance inquiries, and other transactions without the need for an actual teller.~a law that protects the borrower from fraud, deception, and other illegal activities by lenders and financial institutions.~a person or institution who takes responsibility for another person\'s debt.~an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.~A~1~1~<br /> ATM  is an automatic teller machine, a public device that lets you make withdrawals, deposits, balance inquiries, and other transactions without the need for an actual teller.<br /> Direct Credit  is a payment system that transfers funds electronically from one account to another.<br /> Guarantor  is a person or institution who takes responsibility for another person\'s debt.<br /> Official Cash Rate  is an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.<br /> Uniform Consumer Credit Code  is a law that protects the borrower from fraud, deception, and other illegal activities by lenders and financial institutions.<br />';
questions[37]='Direct Debit  is~ a method of payment wherein funds are directly withdrawn from your bank account.~a loan that lets you obtain funds at will within a specified time, and up to a given credit limit.~interest that has been recognized, but not yet paid or charged.~an ongoing fee charged regularly to a borrower throughout the duration of a loan.~the time frame during which a buyer is expected to pay off a loan and its interest.~A~1~1~<br /> Accrued interest  is interest that has been recognized, but not yet paid or charged.<br /> Amortisation Period  is the time frame during which a buyer is expected to pay off a loan and its interest.<br /> Direct Debit  is  a method of payment wherein funds are directly withdrawn from your bank account.<br /> Line of Credit  is a loan that lets you obtain funds at will within a specified time, and up to a given credit limit.<br /> Loan Maintenance Fee  is an ongoing fee charged regularly to a borrower throughout the duration of a loan.<br />';
questions[38]='Discharge fee  is~the fee  charged upon full payment or at the end of a loan period.~the code to protect borrowers from deception, fraud, and other illegal dealings by lenders and financial institutions.~used to describe funds that are accessible at any time, instead of being locked away like term deposits.~an agreement between two entities, which may or may not be written.~an independent body that handles disputes between individuals and financial institutions.~A~1~1~<br /> ABIO  is an independent body that handles disputes between individuals and financial institutions.<br /> At call  is used to describe funds that are accessible at any time, instead of being locked away like term deposits.<br /> Consumer Credit Code  is the code to protect borrowers from deception, fraud, and other illegal dealings by lenders and financial institutions.<br /> Contract  is an agreement between two entities, which may or may not be written.<br /> Discharge fee  is the fee  charged upon full payment or at the end of a loan period.<br />';
questions[39]='EFTPOS  is~a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.~a Latin word which literally means beware.~a loan that lets you obtain funds at will within a specified time, and up to a given credit limit.~a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.~the amount of money borrowed against the total value of the property in a home equity loan.~A~1~1~<br /> Break Costs  is a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.<br /> Caveat  is a Latin word which literally means beware.<br /> EFTPOS  is a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.<br /> Line of Credit  is a loan that lets you obtain funds at will within a specified time, and up to a given credit limit.<br /> Loan to Value Ratio  is the amount of money borrowed against the total value of the property in a home equity loan.<br />';
questions[40]='Early Termination Charges  is~the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.~an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.~an agreement issued by a bank or financial institution that guarantees full payment by the due date.~a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.~a loan that switches from one type to another, allowing the borrower to enjoy the benefits of both schemes.~A~1~1~<br /> Adjustment  is a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.<br /> Deposit Bond  is an agreement issued by a bank or financial institution that guarantees full payment by the due date.<br /> Early Termination Charges  is the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.<br /> Official Cash Rate  is an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.<br /> Split Loan  is a loan that switches from one type to another, allowing the borrower to enjoy the benefits of both schemes.<br />';
questions[41]='Easement  is~a right-of-way granted to individuals or companies providing services to improve one\'s property.~an official document stating that a person owns a piece of land or property.~any fee that is paid throughout the duration of a loan, credit card, or other financial contract.~the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.~interest that has been recognized, but not yet paid or charged.~A~1~1~<br /> Accrued interest  is interest that has been recognized, but not yet paid or charged.<br /> Certificate Of Title  is an official document stating that a person owns a piece of land or property.<br /> Early Termination Charges  is the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.<br /> Easement  is a right-of-way granted to individuals or companies providing services to improve one\'s property.<br /> Ongoing Fee  is any fee that is paid throughout the duration of a loan, credit card, or other financial contract.<br />';
questions[42]='Encumbrance  is~an outstanding charge or liability on a property, which limits its use or prevents full transfer of ownership.~a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.~a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.~designed to provide at-call access to your funds via internet and phone banking.~used to describe the purchase of a property before it is fully constructed; i.e. during the planning stage.~A~1~1~<br /> EFTPOS  is a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.<br /> Encumbrance  is an outstanding charge or liability on a property, which limits its use or prevents full transfer of ownership.<br /> Off the Plan  is used to describe the purchase of a property before it is fully constructed; i.e. during the planning stage.<br /> Online savings account  is designed to provide at-call access to your funds via internet and phone banking.<br /> Search  is a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.<br />';
questions[43]='Equity Mortgage  is~a type of loan that uses part of the asset\'s value as security. The security is usually a large percentage of the home, typically around 75% of the total value.~a person or company that lends out money to help others buy homes or property.~the time frame during which a buyer is expected to pay off a loan and its interest.~an agreement between two entities, which may or may not be written.~a payment scheme wherein both the principal and the interest are paid out in regular installments every month.~A~1~1~<br /> Amortisation Period  is the time frame during which a buyer is expected to pay off a loan and its interest.<br /> Contract  is an agreement between two entities, which may or may not be written.<br /> Equity Mortgage  is a type of loan that uses part of the asset\'s value as security. The security is usually a large percentage of the home, typically around 75% of the total value.<br /> Mortgagee  is a person or company that lends out money to help others buy homes or property.<br /> Principal and Interest  is a payment scheme wherein both the principal and the interest are paid out in regular installments every month.<br />';
questions[44]='Equity reduction limit  is~used to describe the cap on the amount you can deduct from your home equity.~a fee charged to the borrower or consumer to cover the initial costs of the loan approval process.~the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.~a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.~a state tax imposed on the sale value of a property.~A~1~1~<br /> AAPR  is the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.<br /> Application Fee  is a fee charged to the borrower or consumer to cover the initial costs of the loan approval process.<br /> Equity reduction limit  is used to describe the cap on the amount you can deduct from your home equity.<br /> Mortgage Stamp Duty  is a state tax imposed on the sale value of a property.<br /> Portability  is a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.<br />';
questions[45]='Establishment Fee  is~an initial payment made upon application or during the opening of a loan, credit card account, or other financial service.~a loan designed for senior citizens who want to convert their home equity into cash.~a term that refers to loans that do not meet the standard banking criteria for lending.~a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.~the time frame during which a buyer is expected to pay off a loan and its interest.~A~1~1~<br /> Amortisation Period  is the time frame during which a buyer is expected to pay off a loan and its interest.<br /> Establishment Fee  is an initial payment made upon application or during the opening of a loan, credit card account, or other financial service.<br /> FID  is a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.<br /> Reverse mortgage  is a loan designed for senior citizens who want to convert their home equity into cash.<br /> Sub-prime lending  is a term that refers to loans that do not meet the standard banking criteria for lending.<br />';
questions[46]='Exit Fee  is~charged when a borrower defaults, refinances, or transfers a loan to another lender.~interest that has been recognized, but not yet paid or charged.~an electronic payment system offered by many Australian financial institutions.~a law that protects the borrower from fraud, deception, and other illegal activities by lenders and financial institutions.~a term that refers to loans that do not meet the standard banking criteria for lending.~A~1~1~<br /> Accrued interest  is interest that has been recognized, but not yet paid or charged.<br /> BPay  is an electronic payment system offered by many Australian financial institutions.<br /> Exit Fee  is charged when a borrower defaults, refinances, or transfers a loan to another lender.<br /> Sub-prime lending  is a term that refers to loans that do not meet the standard banking criteria for lending.<br /> Uniform Consumer Credit Code  is a law that protects the borrower from fraud, deception, and other illegal activities by lenders and financial institutions.<br />';
questions[47]='FID  is~a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.~charged when a borrower defaults, refinances, or transfers a loan to another lender.~a discounted initial rate designed to make loan offers more attractive to borrowers.~the true rate of a loan, taking into account the upfront costs, ongoing fees, and other fees not commonly included in advertised rates.~the percentage of a borrower\'s income that will be used to pay off a loan.~A~1~1~<br /> Comparison Rate  is the true rate of a loan, taking into account the upfront costs, ongoing fees, and other fees not commonly included in advertised rates.<br /> The Debt Service Ratio  is the percentage of a borrower\'s income that will be used to pay off a loan.<br /> Exit Fee  is charged when a borrower defaults, refinances, or transfers a loan to another lender.<br /> FID  is a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.<br /> Honeymoon Rate  is a discounted initial rate designed to make loan offers more attractive to borrowers.<br />';
questions[48]='Freehold  is~a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.~the code to protect borrowers from deception, fraud, and other illegal dealings by lenders and financial institutions.~a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.~a loan feature that allows you to make additional repayments and withdraw them anytime.~an independent body that handles disputes between individuals and financial institutions.~A~1~1~<br /> ABIO  is an independent body that handles disputes between individuals and financial institutions.<br /> Consumer Credit Code  is the code to protect borrowers from deception, fraud, and other illegal dealings by lenders and financial institutions.<br /> Freehold  is a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.<br /> Interest Only Loan  is a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.<br /> Redraw Facility  is a loan feature that allows you to make additional repayments and withdraw them anytime.<br />';
questions[49]='Gazumping  is~when a seller accepts an offer on a property but accepts higher bid from another buyer before a deposit is made.~a type of joint ownership wherein two or more people share equal or uneven parts of a property.~ a method of payment wherein funds are directly withdrawn from your bank account.~a Latin word which literally means beware.~a policy that ensures owners of a set return on their investment property.~A~1~1~<br /> Caveat  is a Latin word which literally means beware.<br /> Direct Debit  is  a method of payment wherein funds are directly withdrawn from your bank account.<br /> Gazumping  is when a seller accepts an offer on a property but accepts higher bid from another buyer before a deposit is made.<br /> Rental Guarantee  is a policy that ensures owners of a set return on their investment property.<br /> Tenants in Common  is a type of joint ownership wherein two or more people share equal or uneven parts of a property.<br />';
questions[50]='Giro Post  is~an Australian banking service allowing holders of card-based accounts to make bank transactions via post.~an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.~a bank account that gives you a fixed interest rate for a predetermined period, usually from one to three years.~an outstanding charge or liability on a property, which limits its use or prevents full transfer of ownership.~a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.~A~1~1~<br /> Break Costs  is a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.<br /> Encumbrance  is an outstanding charge or liability on a property, which limits its use or prevents full transfer of ownership.<br /> Giro Post  is an Australian banking service allowing holders of card-based accounts to make bank transactions via post.<br /> Official Cash Rate  is an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.<br /> Term Deposit  is a bank account that gives you a fixed interest rate for a predetermined period, usually from one to three years.<br />';
questions[51]='Guarantor  is~a person or institution who takes responsibility for another person\'s debt.~the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.~a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.~an unsecured debt supported only by the borrower\'s credit, or evidence of good credit, rather than a specific property or collateral.~is charged to cardholders or merchants who accept electronic payments from other banks through a card network, such as VISA or MasterCard.~A~1~1~<br /> A Debenture  is an unsecured debt supported only by the borrower\'s credit, or evidence of good credit, rather than a specific property or collateral.<br /> Early Termination Charges  is the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.<br /> FID  is a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.<br /> Guarantor  is a person or institution who takes responsibility for another person\'s debt.<br /> Interchange fee  is is charged to cardholders or merchants who accept electronic payments from other banks through a card network, such as VISA or MasterCard.<br />';
questions[52]='Holding Deposit  is~a small fee made to indicate one\'s interest in buying a property.~designed to provide at-call access to your funds via internet and phone banking.~a base rate determined by the lender and applied to their \'premium\' products, or the standard residential mortgage.~the time frame during which a buyer is expected to pay off a loan and its interest.~the date on which the full payment for a loan, asset or security is actually made.~A~1~1~<br /> Amortisation Period  is the time frame during which a buyer is expected to pay off a loan and its interest.<br /> Holding Deposit  is a small fee made to indicate one\'s interest in buying a property.<br /> Online savings account  is designed to provide at-call access to your funds via internet and phone banking.<br /> Settlement Date  is the date on which the full payment for a loan, asset or security is actually made.<br /> Standard Variable Rate  is a base rate determined by the lender and applied to their \'premium\' products, or the standard residential mortgage.<br />';
questions[53]='Home Equity Loan  is~a loan secured by the equity or part of the value of the property.~an Australian banking service allowing holders of card-based accounts to make bank transactions via post.~a loan that switches between two schemes, usually from fixed to variable rate or vice versa.~a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.~a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.~A~1~1~<br /> Combination Loan  is a loan that switches between two schemes, usually from fixed to variable rate or vice versa.<br /> EFTPOS  is a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.<br /> Freehold  is a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.<br /> Giro Post  is an Australian banking service allowing holders of card-based accounts to make bank transactions via post.<br /> Home Equity Loan  is a loan secured by the equity or part of the value of the property.<br />';
questions[54]='Honeymoon Rate  is~a discounted initial rate designed to make loan offers more attractive to borrowers.~used to designate ownership of a building unit, rather than a full piece of land.~the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.~an official body that handles formal disputes between consumers and financial institutions.~an official document stating that a person owns a piece of land or property.~A~1~1~<br /> Certificate Of Title  is an official document stating that a person owns a piece of land or property.<br /> Early Termination Charges  is the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.<br /> Honeymoon Rate  is a discounted initial rate designed to make loan offers more attractive to borrowers.<br /> Ombudsman  is an official body that handles formal disputes between consumers and financial institutions.<br /> Strata Title  is used to designate ownership of a building unit, rather than a full piece of land.<br />';
questions[55]='Interchange fee  is~is charged to cardholders or merchants who accept electronic payments from other banks through a card network, such as VISA or MasterCard.~a type of loan that uses part of the asset\'s value as security. The security is usually a large percentage of the home, typically around 75% of the total value.~imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.~ paid to a broker or some other party who handles bank documentation and other paperwork on your behalf.~a provision in a building contract that allows the price of a property to move up or down according to changes in construction expenses.~A~1~1~<br /> Equity Mortgage  is a type of loan that uses part of the asset\'s value as security. The security is usually a large percentage of the home, typically around 75% of the total value.<br /> Interchange fee  is is charged to cardholders or merchants who accept electronic payments from other banks through a card network, such as VISA or MasterCard.<br /> Legal Fee  is  paid to a broker or some other party who handles bank documentation and other paperwork on your behalf.<br /> Rise and Fall Clause  is a provision in a building contract that allows the price of a property to move up or down according to changes in construction expenses.<br /> Service Fee  is imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.<br />';
questions[56]='Interest Adjustment  is~a fee sometimes paid when a borrower makes additional repayments beyond the monthly minimum on a loan.~a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.~a term that describes banking via a website managed by your bank or financial institution.~imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.~a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.~A~1~1~<br /> EFTPOS  is a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.<br /> FID  is a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.<br /> Interest Adjustment  is a fee sometimes paid when a borrower makes additional repayments beyond the monthly minimum on a loan.<br /> Internet Banking  is a term that describes banking via a website managed by your bank or financial institution.<br /> Service Fee  is imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.<br />';
questions[57]='Interest Only Loan  is~a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.~an official document stating that a person owns a piece of land or property.~a person or institution who takes responsibility for another person\'s debt.~a base rate determined by the lender and applied to their \'premium\' products, or the standard residential mortgage.~a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.~A~1~1~<br /> Break Costs  is a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.<br /> Certificate Of Title  is an official document stating that a person owns a piece of land or property.<br /> Guarantor  is a person or institution who takes responsibility for another person\'s debt.<br /> Interest Only Loan  is a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.<br /> Standard Variable Rate  is a base rate determined by the lender and applied to their \'premium\' products, or the standard residential mortgage.<br />';
questions[58]='Internet Banking  is~a term that describes banking via a website managed by your bank or financial institution.~the effective interest rates charged to the borrower, taking one-time expenses such as opening fees into account.~an electronic payment system offered by many Australian financial institutions.~the true rate of a loan, taking into account the upfront costs, ongoing fees, and other fees not commonly included in advertised rates.~a person or company that lends out money to help others buy homes or property.~A~1~1~<br /> Annual Percentage Rate  is the effective interest rates charged to the borrower, taking one-time expenses such as opening fees into account.<br /> BPay  is an electronic payment system offered by many Australian financial institutions.<br /> Comparison Rate  is the true rate of a loan, taking into account the upfront costs, ongoing fees, and other fees not commonly included in advertised rates.<br /> Internet Banking  is a term that describes banking via a website managed by your bank or financial institution.<br /> Mortgagee  is a person or company that lends out money to help others buy homes or property.<br />';
questions[59]='Joint Tenants  is~a term that describes two or more people who share equal ownership of a property.~a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.~a bank account that gives you a fixed interest rate for a predetermined period, usually from one to three years.~used to designate ownership of a building unit, rather than a full piece of land.~the true rate of a loan, taking into account the upfront costs, ongoing fees, and other fees not commonly included in advertised rates.~A~1~1~<br /> Comparison Rate  is the true rate of a loan, taking into account the upfront costs, ongoing fees, and other fees not commonly included in advertised rates.<br /> Freehold  is a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.<br /> Joint Tenants  is a term that describes two or more people who share equal ownership of a property.<br /> Strata Title  is used to designate ownership of a building unit, rather than a full piece of land.<br /> Term Deposit  is a bank account that gives you a fixed interest rate for a predetermined period, usually from one to three years.<br />';
questions[60]='Land Transfer Fee  is~a state tax imposed on a sale price of a property.~an electronic payment system offered by many Australian financial institutions.~the code to protect borrowers from deception, fraud, and other illegal dealings by lenders and financial institutions.~any fee that is paid throughout the duration of a loan, credit card, or other financial contract.~a type of loan that uses part of the asset\'s value as security. The security is usually a large percentage of the home, typically around 75% of the total value.~A~1~1~<br /> BPay  is an electronic payment system offered by many Australian financial institutions.<br /> Consumer Credit Code  is the code to protect borrowers from deception, fraud, and other illegal dealings by lenders and financial institutions.<br /> Equity Mortgage  is a type of loan that uses part of the asset\'s value as security. The security is usually a large percentage of the home, typically around 75% of the total value.<br /> Land Transfer Fee  is a state tax imposed on a sale price of a property.<br /> Ongoing Fee  is any fee that is paid throughout the duration of a loan, credit card, or other financial contract.<br />';
questions[61]='Legal Fee  is~ paid to a broker or some other party who handles bank documentation and other paperwork on your behalf.~a loan designed for senior citizens who want to convert their home equity into cash.~the percentage of a borrower\'s income that will be used to pay off a loan.~a state tax imposed on the sale value of a property.~any fee that is paid throughout the duration of a loan, credit card, or other financial contract.~A~1~1~<br /> The Debt Service Ratio  is the percentage of a borrower\'s income that will be used to pay off a loan.<br /> Legal Fee  is  paid to a broker or some other party who handles bank documentation and other paperwork on your behalf.<br /> Mortgage Stamp Duty  is a state tax imposed on the sale value of a property.<br /> Ongoing Fee  is any fee that is paid throughout the duration of a loan, credit card, or other financial contract.<br /> Reverse mortgage  is a loan designed for senior citizens who want to convert their home equity into cash.<br />';
questions[62]='Line of Credit  is~a loan that lets you obtain funds at will within a specified time, and up to a given credit limit.~a law that protects the borrower from fraud, deception, and other illegal activities by lenders and financial institutions.~the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.~an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.~a loan that switches between two schemes, usually from fixed to variable rate or vice versa.~A~1~1~<br /> AAPR  is the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.<br /> Combination Loan  is a loan that switches between two schemes, usually from fixed to variable rate or vice versa.<br /> Line of Credit  is a loan that lets you obtain funds at will within a specified time, and up to a given credit limit.<br /> Official Cash Rate  is an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.<br /> Uniform Consumer Credit Code  is a law that protects the borrower from fraud, deception, and other illegal activities by lenders and financial institutions.<br />';
questions[63]='Loan Maintenance Fee  is~an ongoing fee charged regularly to a borrower throughout the duration of a loan.~the simplest and most common form of property ownership in Australia.~an electronic payment system offered by many Australian financial institutions.~a person or institution who takes responsibility for another person\'s debt.~an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.~A~1~1~<br /> BPay  is an electronic payment system offered by many Australian financial institutions.<br /> Guarantor  is a person or institution who takes responsibility for another person\'s debt.<br /> Loan Maintenance Fee  is an ongoing fee charged regularly to a borrower throughout the duration of a loan.<br /> Official Cash Rate  is an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.<br /> Torrens Title  is the simplest and most common form of property ownership in Australia.<br />';
questions[64]='Loan to Value Ratio  is~the amount of money borrowed against the total value of the property in a home equity loan.~a loan that allows you to deposit your savings, income, and other funds into your loan, and easily withdraw them as needed.~a right-of-way granted to individuals or companies providing services to improve one\'s property.~imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.~the asset used as collateral or security on a home loan, which is usually all or part of the value of the property being purchased.~A~1~1~<br /> All In One Loan  is a loan that allows you to deposit your savings, income, and other funds into your loan, and easily withdraw them as needed.<br /> Easement  is a right-of-way granted to individuals or companies providing services to improve one\'s property.<br /> Loan to Value Ratio  is the amount of money borrowed against the total value of the property in a home equity loan.<br /> Mortgage  is the asset used as collateral or security on a home loan, which is usually all or part of the value of the property being purchased.<br /> Service Fee  is imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.<br />';
questions[65]='Mortgage  is~the asset used as collateral or security on a home loan, which is usually all or part of the value of the property being purchased.~a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.~an Australian banking service allowing holders of card-based accounts to make bank transactions via post.~a person or institution who takes responsibility for another person\'s debt.~a payments you make above the minimum monthly requirement on a loan.~A~1~1~<br /> Additional Repayment  is a payments you make above the minimum monthly requirement on a loan.<br /> Freehold  is a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.<br /> Giro Post  is an Australian banking service allowing holders of card-based accounts to make bank transactions via post.<br /> Guarantor  is a person or institution who takes responsibility for another person\'s debt.<br /> Mortgage  is the asset used as collateral or security on a home loan, which is usually all or part of the value of the property being purchased.<br />';
questions[66]='Mortgage Discharge  is~a fee paid when a home loan is closed before the loan period ends.~an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.~the percentage of a borrower\'s income that will be used to pay off a loan.~a term descibing movable personal property such as clothes, furniture, and appliances, as opposed to permanent fixtures like homes and buildings.~ used to finance the building of a new home or property.~A~1~1~<br /> Chattels  is a term descibing movable personal property such as clothes, furniture, and appliances, as opposed to permanent fixtures like homes and buildings.<br /> Construction Loan  is  used to finance the building of a new home or property.<br /> The Debt Service Ratio  is the percentage of a borrower\'s income that will be used to pay off a loan.<br /> Mortgage Discharge  is a fee paid when a home loan is closed before the loan period ends.<br /> Official Cash Rate  is an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.<br />';
questions[67]='Mortgage Insurance  is~a policy that protects lenders against borrowers who default or are unable to pay off their loans.~a state tax imposed on a sale price of a property.~the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.~a loan feature that allows you to make additional repayments and withdraw them anytime.~a fee charged for the inspection of a property to determine its value, or more specifically, the surveyor or lender\'s opinion of its value to be used as security for the loan.~A~1~1~<br /> Land Transfer Fee  is a state tax imposed on a sale price of a property.<br /> Mortgage Insurance  is a policy that protects lenders against borrowers who default or are unable to pay off their loans.<br /> Principal  is the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.<br /> Redraw Facility  is a loan feature that allows you to make additional repayments and withdraw them anytime.<br /> Valuation fee  is a fee charged for the inspection of a property to determine its value, or more specifically, the surveyor or lender\'s opinion of its value to be used as security for the loan.<br />';
questions[68]='Mortgage Offset  is~a bank account that is linked to a home loan.~a variable interest rate generally lower than the standard.~a special type of loan usually offered by solicitors to investors.~used to describe funds that are accessible at any time, instead of being locked away like term deposits.~a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.~A~1~1~<br /> At call  is used to describe funds that are accessible at any time, instead of being locked away like term deposits.<br /> Basic Rate  is a variable interest rate generally lower than the standard.<br /> Break Costs  is a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.<br /> Mortgage Offset  is a bank account that is linked to a home loan.<br /> Solicitors Mortgage  is a special type of loan usually offered by solicitors to investors.<br />';
questions[69]='Mortgage Stamp Duty  is~a state tax imposed on the sale value of a property.~a payment scheme wherein both the principal and the interest are paid out in regular installments every month.~the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.~a bank account that gives you a fixed interest rate for a predetermined period, usually from one to three years.~a loan that switches from one type to another, allowing the borrower to enjoy the benefits of both schemes.~A~1~1~<br /> Early Termination Charges  is the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.<br /> Mortgage Stamp Duty  is a state tax imposed on the sale value of a property.<br /> Principal and Interest  is a payment scheme wherein both the principal and the interest are paid out in regular installments every month.<br /> Split Loan  is a loan that switches from one type to another, allowing the borrower to enjoy the benefits of both schemes.<br /> Term Deposit  is a bank account that gives you a fixed interest rate for a predetermined period, usually from one to three years.<br />';
questions[70]='Mortgagee  is~a person or company that lends out money to help others buy homes or property.~a fee charged to the borrower or consumer to cover the initial costs of the loan approval process.~a special type of loan usually offered by solicitors to investors.~an unsecured debt supported only by the borrower\'s credit, or evidence of good credit, rather than a specific property or collateral.~a bank account that is linked to a home loan.~A~1~1~<br /> Application Fee  is a fee charged to the borrower or consumer to cover the initial costs of the loan approval process.<br /> A Debenture  is an unsecured debt supported only by the borrower\'s credit, or evidence of good credit, rather than a specific property or collateral.<br /> Mortgage Offset  is a bank account that is linked to a home loan.<br /> Mortgagee  is a person or company that lends out money to help others buy homes or property.<br /> Solicitors Mortgage  is a special type of loan usually offered by solicitors to investors.<br />';
questions[71]='Negative Gearing  is~a tax offset strategy.~an organization formed by the unit owners of an apartment or strata building.~any fee that is paid throughout the duration of a loan, credit card, or other financial contract.~a term that describes two or more people who share equal ownership of a property.~a payments you make above the minimum monthly requirement on a loan.~A~1~1~<br /> Additional Repayment  is a payments you make above the minimum monthly requirement on a loan.<br /> Body Corporate  is an organization formed by the unit owners of an apartment or strata building.<br /> Joint Tenants  is a term that describes two or more people who share equal ownership of a property.<br /> Negative Gearing  is a tax offset strategy.<br /> Ongoing Fee  is any fee that is paid throughout the duration of a loan, credit card, or other financial contract.<br />';
questions[72]='Non-conforming loan  is~a loan that do not meet the banking criteria for lending money, such as going over the loan limit, lack of collateral, poor credit, or an unusual loan purpose~a policy that ensures owners of a set return on their investment property.~an initial payment made upon application or during the opening of a loan, credit card account, or other financial service.~a state tax imposed on the sale value of a property.~used to designate ownership of a building unit, rather than a full piece of land.~A~1~1~<br /> Establishment Fee  is an initial payment made upon application or during the opening of a loan, credit card account, or other financial service.<br /> Mortgage Stamp Duty  is a state tax imposed on the sale value of a property.<br /> Non-conforming loan  is a loan that do not meet the banking criteria for lending money, such as going over the loan limit, lack of collateral, poor credit, or an unusual loan purpose<br /> Rental Guarantee  is a policy that ensures owners of a set return on their investment property.<br /> Strata Title  is used to designate ownership of a building unit, rather than a full piece of land.<br />';
questions[73]='Non-recourse loan  is~a loan that is secured against a property, but does not hold the borrower personally liable for the loan.~used to describe the cap on the amount you can deduct from your home equity.~a provision in a building contract that allows the price of a property to move up or down according to changes in construction expenses.~a person or institution who takes responsibility for another person\'s debt.~an organization formed by the unit owners of an apartment or strata building.~A~1~1~<br /> Body Corporate  is an organization formed by the unit owners of an apartment or strata building.<br /> Equity reduction limit  is used to describe the cap on the amount you can deduct from your home equity.<br /> Guarantor  is a person or institution who takes responsibility for another person\'s debt.<br /> Non-recourse loan  is a loan that is secured against a property, but does not hold the borrower personally liable for the loan.<br /> Rise and Fall Clause  is a provision in a building contract that allows the price of a property to move up or down according to changes in construction expenses.<br />';
questions[74]='Off the Plan  is~used to describe the purchase of a property before it is fully constructed; i.e. during the planning stage.~an official document stating that a person owns a piece of land or property.~a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.~a loan that is secured against a property, but does not hold the borrower personally liable for the loan.~ a method of payment wherein funds are directly withdrawn from your bank account.~A~1~1~<br /> Certificate Of Title  is an official document stating that a person owns a piece of land or property.<br /> Direct Debit  is  a method of payment wherein funds are directly withdrawn from your bank account.<br /> Interest Only Loan  is a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.<br /> Non-recourse loan  is a loan that is secured against a property, but does not hold the borrower personally liable for the loan.<br /> Off the Plan  is used to describe the purchase of a property before it is fully constructed; i.e. during the planning stage.<br />';
questions[75]='Official Cash Rate  is~an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.~a term descibing movable personal property such as clothes, furniture, and appliances, as opposed to permanent fixtures like homes and buildings.~the date on which the full payment for a loan, asset or security is actually made.~a discounted initial rate designed to make loan offers more attractive to borrowers.~a loan that switches between two schemes, usually from fixed to variable rate or vice versa.~A~1~1~<br /> Chattels  is a term descibing movable personal property such as clothes, furniture, and appliances, as opposed to permanent fixtures like homes and buildings.<br /> Combination Loan  is a loan that switches between two schemes, usually from fixed to variable rate or vice versa.<br /> Honeymoon Rate  is a discounted initial rate designed to make loan offers more attractive to borrowers.<br /> Official Cash Rate  is an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.<br /> Settlement Date  is the date on which the full payment for a loan, asset or security is actually made.<br />';
questions[76]='Offset Account  is~a bank account, usually savings, that is linked to a mortgage loan.~the fee  charged upon full payment or at the end of a loan period.~a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.~the process of officially transferring a property title from one party to another.~the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.~A~1~1~<br /> AAPR  is the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.<br /> Conveyancing  is the process of officially transferring a property title from one party to another.<br /> Discharge fee  is the fee  charged upon full payment or at the end of a loan period.<br /> Offset Account  is a bank account, usually savings, that is linked to a mortgage loan.<br /> Portability  is a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.<br />';
questions[77]='Ombudsman  is~an official body that handles formal disputes between consumers and financial institutions.~a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.~a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.~a special type of loan usually offered by solicitors to investors.~a small fee made to indicate one\'s interest in buying a property.~A~1~1~<br /> Break Costs  is a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.<br /> Holding Deposit  is a small fee made to indicate one\'s interest in buying a property.<br /> Interest Only Loan  is a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.<br /> Ombudsman  is an official body that handles formal disputes between consumers and financial institutions.<br /> Solicitors Mortgage  is a special type of loan usually offered by solicitors to investors.<br />';
questions[78]='Ongoing Fee  is~any fee that is paid throughout the duration of a loan, credit card, or other financial contract.~a term that describes two or more people who share equal ownership of a property.~a tax offset strategy.~a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.~a loan secured by the equity or part of the value of the property.~A~1~1~<br /> Home Equity Loan  is a loan secured by the equity or part of the value of the property.<br /> Joint Tenants  is a term that describes two or more people who share equal ownership of a property.<br /> Negative Gearing  is a tax offset strategy.<br /> Ongoing Fee  is any fee that is paid throughout the duration of a loan, credit card, or other financial contract.<br /> Search  is a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.<br />';
questions[79]='Online savings account  is~designed to provide at-call access to your funds via internet and phone banking.~a loan feature that allows you to make additional repayments and withdraw them anytime.~a person or company that lends out money to help others buy homes or property.~a term used when the highest bid on a property does not meet the reserve price set by the vendor.~an initial payment made upon application or during the opening of a loan, credit card account, or other financial service.~A~1~1~<br /> Establishment Fee  is an initial payment made upon application or during the opening of a loan, credit card account, or other financial service.<br /> Mortgagee  is a person or company that lends out money to help others buy homes or property.<br /> Online savings account  is designed to provide at-call access to your funds via internet and phone banking.<br /> Passed In  is a term used when the highest bid on a property does not meet the reserve price set by the vendor.<br /> Redraw Facility  is a loan feature that allows you to make additional repayments and withdraw them anytime.<br />';
questions[80]='Passed In  is~a term used when the highest bid on a property does not meet the reserve price set by the vendor.~a loan secured by the equity or part of the value of the property.~a small fee made to indicate one\'s interest in buying a property.~charged to borrowers who wish to switch from one type of loan to another.~an automatic teller machine, a public device that lets you make withdrawals, deposits, balance inquiries, and other transactions without the need for an actual teller.~A~1~1~<br /> ATM  is an automatic teller machine, a public device that lets you make withdrawals, deposits, balance inquiries, and other transactions without the need for an actual teller.<br /> Holding Deposit  is a small fee made to indicate one\'s interest in buying a property.<br /> Home Equity Loan  is a loan secured by the equity or part of the value of the property.<br /> Passed In  is a term used when the highest bid on a property does not meet the reserve price set by the vendor.<br /> Switching Fee  is charged to borrowers who wish to switch from one type of loan to another.<br />';
questions[81]='Portability  is~a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.~a special loan program offering lower interest rates than the standard variable rate loan.~a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.~an independent body that handles disputes between individuals and financial institutions.~an official document stating that a person owns a piece of land or property.~A~1~1~<br /> ABIO  is an independent body that handles disputes between individuals and financial institutions.<br /> Basic Variable  is a special loan program offering lower interest rates than the standard variable rate loan.<br /> Certificate Of Title  is an official document stating that a person owns a piece of land or property.<br /> Portability  is a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.<br /> Search  is a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.<br />';
questions[82]='Principal  is~the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.~a payment system that transfers funds electronically from one account to another.~a loan feature that allows you to make additional repayments and withdraw them anytime.~a loan that is secured against a property, but does not hold the borrower personally liable for the loan.~an initial payment made upon application or during the opening of a loan, credit card account, or other financial service.~A~1~1~<br /> Direct Credit  is a payment system that transfers funds electronically from one account to another.<br /> Establishment Fee  is an initial payment made upon application or during the opening of a loan, credit card account, or other financial service.<br /> Non-recourse loan  is a loan that is secured against a property, but does not hold the borrower personally liable for the loan.<br /> Principal  is the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.<br /> Redraw Facility  is a loan feature that allows you to make additional repayments and withdraw them anytime.<br />';
questions[83]='Principal and Interest  is~a payment scheme wherein both the principal and the interest are paid out in regular installments every month.~a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.~the fee  charged upon full payment or at the end of a loan period.~the simplest and most common form of property ownership in Australia.~the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.~A~1~1~<br /> AAPR  is the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.<br /> Break Costs  is a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.<br /> Discharge fee  is the fee  charged upon full payment or at the end of a loan period.<br /> Principal and Interest  is a payment scheme wherein both the principal and the interest are paid out in regular installments every month.<br /> Torrens Title  is the simplest and most common form of property ownership in Australia.<br />';
questions[84]='Redraw Facility  is~a loan feature that allows you to make additional repayments and withdraw them anytime.~a financial institution fully owned and controlled by its members.~the date on which the full payment for a loan, asset or security is actually made.~the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.~a tax offset strategy.~A~1~1~<br /> Credit Union  is a financial institution fully owned and controlled by its members.<br /> Negative Gearing  is a tax offset strategy.<br /> Principal  is the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.<br /> Redraw Facility  is a loan feature that allows you to make additional repayments and withdraw them anytime.<br /> Settlement Date  is the date on which the full payment for a loan, asset or security is actually made.<br />';
questions[85]='Rental Guarantee  is~a policy that ensures owners of a set return on their investment property.~ paid to a broker or some other party who handles bank documentation and other paperwork on your behalf.~imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.~a bank account, usually savings, that is linked to a mortgage loan.~a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.~A~1~1~<br /> Legal Fee  is  paid to a broker or some other party who handles bank documentation and other paperwork on your behalf.<br /> Offset Account  is a bank account, usually savings, that is linked to a mortgage loan.<br /> Rental Guarantee  is a policy that ensures owners of a set return on their investment property.<br /> Search  is a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.<br /> Service Fee  is imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.<br />';
questions[86]='Reverse mortgage  is~a loan designed for senior citizens who want to convert their home equity into cash.~the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.~an automatic teller machine, a public device that lets you make withdrawals, deposits, balance inquiries, and other transactions without the need for an actual teller.~a person or institution who takes responsibility for another person\'s debt.~used to describe the purchase of a property before it is fully constructed; i.e. during the planning stage.~A~1~1~<br /> ATM  is an automatic teller machine, a public device that lets you make withdrawals, deposits, balance inquiries, and other transactions without the need for an actual teller.<br /> Early Termination Charges  is the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.<br /> Guarantor  is a person or institution who takes responsibility for another person\'s debt.<br /> Off the Plan  is used to describe the purchase of a property before it is fully constructed; i.e. during the planning stage.<br /> Reverse mortgage  is a loan designed for senior citizens who want to convert their home equity into cash.<br />';
questions[87]='Rise and Fall Clause  is~a provision in a building contract that allows the price of a property to move up or down according to changes in construction expenses.~a special type of loan usually offered by solicitors to investors.~a right-of-way granted to individuals or companies providing services to improve one\'s property.~a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.~used to describe a property that shares a common wall with another property.~A~1~1~<br /> Break Costs  is a term that refers to charges or penalties incurred when you decide to pay out the full amount of a loan before the fixed term is over.<br /> Easement  is a right-of-way granted to individuals or companies providing services to improve one\'s property.<br /> Rise and Fall Clause  is a provision in a building contract that allows the price of a property to move up or down according to changes in construction expenses.<br /> Semi Detached  is used to describe a property that shares a common wall with another property.<br /> Solicitors Mortgage  is a special type of loan usually offered by solicitors to investors.<br />';
questions[88]='Search  is~a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.~a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.~a fee paid when a home loan is closed before the loan period ends.~a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.~an official body that handles formal disputes between consumers and financial institutions.~A~1~1~<br /> Adjustment  is a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.<br /> EFTPOS  is a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.<br /> Mortgage Discharge  is a fee paid when a home loan is closed before the loan period ends.<br /> Ombudsman  is an official body that handles formal disputes between consumers and financial institutions.<br /> Search  is a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.<br />';
questions[89]='Semi Detached  is~used to describe a property that shares a common wall with another property.~the amount of money borrowed against the total value of the property in a home equity loan.~designed to provide at-call access to your funds via internet and phone banking.~the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.~the process of investigating a land title to make sure the holder is a legal vendor; that is, there are no restrictions on ownership or encumbrances to the sale.~A~1~1~<br /> Early Termination Charges  is the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.<br /> Loan to Value Ratio  is the amount of money borrowed against the total value of the property in a home equity loan.<br /> Online savings account  is designed to provide at-call access to your funds via internet and phone banking.<br /> Semi Detached  is used to describe a property that shares a common wall with another property.<br /> Title Search  is the process of investigating a land title to make sure the holder is a legal vendor; that is, there are no restrictions on ownership or encumbrances to the sale.<br />';
questions[90]='Service Fee  is~imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.~a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.~a policy that protects lenders against borrowers who default or are unable to pay off their loans.~a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.~the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.~A~1~1~<br /> FID  is a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.<br /> Mortgage Insurance  is a policy that protects lenders against borrowers who default or are unable to pay off their loans.<br /> Portability  is a feature of a mortgage that lets you transfer the loan to another property without incurring any penalties.<br /> Principal  is the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.<br /> Service Fee  is imposed on a loan, bank account, or other financial product to cover the costs of keeping the borrower\'s account active.<br />';
questions[91]='Settlement Date  is~the date on which the full payment for a loan, asset or security is actually made.~the fee  charged upon full payment or at the end of a loan period.~a payment system that draws funds directly against your savings or bank account.~an electronic payment system offered by many Australian financial institutions.~any fee that is paid throughout the duration of a loan, credit card, or other financial contract.~A~1~1~<br /> BPay  is an electronic payment system offered by many Australian financial institutions.<br /> Debit card  is a payment system that draws funds directly against your savings or bank account.<br /> Discharge fee  is the fee  charged upon full payment or at the end of a loan period.<br /> Ongoing Fee  is any fee that is paid throughout the duration of a loan, credit card, or other financial contract.<br /> Settlement Date  is the date on which the full payment for a loan, asset or security is actually made.<br />';
questions[92]='Solicitors Mortgage  is~a special type of loan usually offered by solicitors to investors.~an ongoing fee charged regularly to a borrower throughout the duration of a loan.~a loan that allows you to deposit your savings, income, and other funds into your loan, and easily withdraw them as needed.~a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.~a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.~A~1~1~<br /> All In One Loan  is a loan that allows you to deposit your savings, income, and other funds into your loan, and easily withdraw them as needed.<br /> Freehold  is a type of ownership where one owns both the property and the land it is standing on. Also called a fee simple.<br /> Loan Maintenance Fee  is an ongoing fee charged regularly to a borrower throughout the duration of a loan.<br /> Search  is a process by which a home is inspected to ensure that it is legally sellable and carries no encumbrances.<br /> Solicitors Mortgage  is a special type of loan usually offered by solicitors to investors.<br />';
questions[93]='Split Loan  is~a loan that switches from one type to another, allowing the borrower to enjoy the benefits of both schemes.~the amount of money borrowed against the total value of the property in a home equity loan.~the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.~a loan that do not meet the banking criteria for lending money, such as going over the loan limit, lack of collateral, poor credit, or an unusual loan purpose~a term that describes two or more people who share equal ownership of a property.~A~1~1~<br /> Joint Tenants  is a term that describes two or more people who share equal ownership of a property.<br /> Loan to Value Ratio  is the amount of money borrowed against the total value of the property in a home equity loan.<br /> Non-conforming loan  is a loan that do not meet the banking criteria for lending money, such as going over the loan limit, lack of collateral, poor credit, or an unusual loan purpose<br /> Principal  is the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.<br /> Split Loan  is a loan that switches from one type to another, allowing the borrower to enjoy the benefits of both schemes.<br />';
questions[94]='Standard Variable Rate  is~a base rate determined by the lender and applied to their \'premium\' products, or the standard residential mortgage.~a term that describes banking via a website managed by your bank or financial institution.~an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.~any fee that is paid throughout the duration of a loan, credit card, or other financial contract.~an agreement between two entities, which may or may not be written.~A~1~1~<br /> Contract  is an agreement between two entities, which may or may not be written.<br /> Internet Banking  is a term that describes banking via a website managed by your bank or financial institution.<br /> Official Cash Rate  is an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.<br /> Ongoing Fee  is any fee that is paid throughout the duration of a loan, credit card, or other financial contract.<br /> Standard Variable Rate  is a base rate determined by the lender and applied to their \'premium\' products, or the standard residential mortgage.<br />';
questions[95]='Strata Title  is~used to designate ownership of a building unit, rather than a full piece of land.~a state tax imposed on the sale value of a property.~the amount of money borrowed against the total value of the property in a home equity loan.~the date on which the full payment for a loan, asset or security is actually made.~an official document stating that a person owns a piece of land or property.~A~1~1~<br /> Certificate Of Title  is an official document stating that a person owns a piece of land or property.<br /> Loan to Value Ratio  is the amount of money borrowed against the total value of the property in a home equity loan.<br /> Mortgage Stamp Duty  is a state tax imposed on the sale value of a property.<br /> Settlement Date  is the date on which the full payment for a loan, asset or security is actually made.<br /> Strata Title  is used to designate ownership of a building unit, rather than a full piece of land.<br />';
questions[96]='Sub-prime lending  is~a term that refers to loans that do not meet the standard banking criteria for lending.~a payment scheme wherein both the principal and the interest are paid out in regular installments every month.~charged to borrowers who wish to switch from one type of loan to another.~a bank account that gives you a fixed interest rate for a predetermined period, usually from one to three years.~the code to protect borrowers from deception, fraud, and other illegal dealings by lenders and financial institutions.~A~1~1~<br /> Consumer Credit Code  is the code to protect borrowers from deception, fraud, and other illegal dealings by lenders and financial institutions.<br /> Principal and Interest  is a payment scheme wherein both the principal and the interest are paid out in regular installments every month.<br /> Sub-prime lending  is a term that refers to loans that do not meet the standard banking criteria for lending.<br /> Switching Fee  is charged to borrowers who wish to switch from one type of loan to another.<br /> Term Deposit  is a bank account that gives you a fixed interest rate for a predetermined period, usually from one to three years.<br />';
questions[97]='Switching Fee  is~charged to borrowers who wish to switch from one type of loan to another.~the true rate of a loan, taking into account the upfront costs, ongoing fees, and other fees not commonly included in advertised rates.~a financial institution fully owned and controlled by its members.~a loan that lets you obtain funds at will within a specified time, and up to a given credit limit.~the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.~A~1~1~<br /> AAPR  is the actual rate of a loan by taking into account interest rates, upfront and ongoing fees, and other costs not included in the advertised rate.<br /> Comparison Rate  is the true rate of a loan, taking into account the upfront costs, ongoing fees, and other fees not commonly included in advertised rates.<br /> Credit Union  is a financial institution fully owned and controlled by its members.<br /> Line of Credit  is a loan that lets you obtain funds at will within a specified time, and up to a given credit limit.<br /> Switching Fee  is charged to borrowers who wish to switch from one type of loan to another.<br />';
questions[98]='Tenants in Common  is~a type of joint ownership wherein two or more people share equal or uneven parts of a property.~the fee  charged upon full payment or at the end of a loan period.~a right-of-way granted to individuals or companies providing services to improve one\'s property.~a special type of loan usually offered by solicitors to investors.~ used to finance the building of a new home or property.~A~1~1~<br /> Construction Loan  is  used to finance the building of a new home or property.<br /> Discharge fee  is the fee  charged upon full payment or at the end of a loan period.<br /> Easement  is a right-of-way granted to individuals or companies providing services to improve one\'s property.<br /> Solicitors Mortgage  is a special type of loan usually offered by solicitors to investors.<br /> Tenants in Common  is a type of joint ownership wherein two or more people share equal or uneven parts of a property.<br />';
questions[99]='Term Deposit  is~a bank account that gives you a fixed interest rate for a predetermined period, usually from one to three years.~a loan feature that allows you to make additional repayments and withdraw them anytime.~a fee paid when a home loan is closed before the loan period ends.~when a seller accepts an offer on a property but accepts higher bid from another buyer before a deposit is made.~a term that describes banking via a website managed by your bank or financial institution.~A~1~1~<br /> Gazumping  is when a seller accepts an offer on a property but accepts higher bid from another buyer before a deposit is made.<br /> Internet Banking  is a term that describes banking via a website managed by your bank or financial institution.<br /> Mortgage Discharge  is a fee paid when a home loan is closed before the loan period ends.<br /> Redraw Facility  is a loan feature that allows you to make additional repayments and withdraw them anytime.<br /> Term Deposit  is a bank account that gives you a fixed interest rate for a predetermined period, usually from one to three years.<br />';
questions[100]='Title Fees  is~a state tax paid for the title search for the registration of a mortgage or sale, transfer, or discharge of a property.~a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.~charged when a borrower defaults, refinances, or transfers a loan to another lender.~a right-of-way granted to individuals or companies providing services to improve one\'s property.~a term used when the highest bid on a property does not meet the reserve price set by the vendor.~A~1~1~<br /> Easement  is a right-of-way granted to individuals or companies providing services to improve one\'s property.<br /> Exit Fee  is charged when a borrower defaults, refinances, or transfers a loan to another lender.<br /> Interest Only Loan  is a loan that allows you to pay only the predetermined interest rate for part of the loan term, leaving the principal unchanged.<br /> Passed In  is a term used when the highest bid on a property does not meet the reserve price set by the vendor.<br /> Title Fees  is a state tax paid for the title search for the registration of a mortgage or sale, transfer, or discharge of a property.<br />';
questions[101]='Title Search  is~the process of investigating a land title to make sure the holder is a legal vendor; that is, there are no restrictions on ownership or encumbrances to the sale.~a loan wherein the interest rate may go lower than, but cannot exceed, a preset level.~used to describe the cap on the amount you can deduct from your home equity.~a fee charged for the inspection of a property to determine its value, or more specifically, the surveyor or lender\'s opinion of its value to be used as security for the loan.~a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.~A~1~1~<br /> Adjustment  is a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.<br /> Capped Loan  is a loan wherein the interest rate may go lower than, but cannot exceed, a preset level.<br /> Equity reduction limit  is used to describe the cap on the amount you can deduct from your home equity.<br /> Title Search  is the process of investigating a land title to make sure the holder is a legal vendor; that is, there are no restrictions on ownership or encumbrances to the sale.<br /> Valuation fee  is a fee charged for the inspection of a property to determine its value, or more specifically, the surveyor or lender\'s opinion of its value to be used as security for the loan.<br />';
questions[102]='Torrens Title  is~the simplest and most common form of property ownership in Australia.~an agreement issued by a bank or financial institution that guarantees full payment by the due date.~a discounted initial rate designed to make loan offers more attractive to borrowers.~an independent body that handles disputes between individuals and financial institutions.~an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.~A~1~1~<br /> ABIO  is an independent body that handles disputes between individuals and financial institutions.<br /> Deposit Bond  is an agreement issued by a bank or financial institution that guarantees full payment by the due date.<br /> Honeymoon Rate  is a discounted initial rate designed to make loan offers more attractive to borrowers.<br /> Official Cash Rate  is an interest rate used by banks and other financial institutions as a benchmark for their own interest rates.<br /> Torrens Title  is the simplest and most common form of property ownership in Australia.<br />';
questions[103]='Uniform Consumer Credit Code  is~a law that protects the borrower from fraud, deception, and other illegal activities by lenders and financial institutions.~a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.~a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.~the simplest and most common form of property ownership in Australia.~charged to borrowers who wish to switch from one type of loan to another.~A~1~1~<br /> Adjustment  is a fee paid by the buyer of a home for utility expenses such as phone, water and electricity.<br /> EFTPOS  is a method of payment allowing you to pay for purchases by debiting the amount directly from your savings account.<br /> Switching Fee  is charged to borrowers who wish to switch from one type of loan to another.<br /> Torrens Title  is the simplest and most common form of property ownership in Australia.<br /> Uniform Consumer Credit Code  is a law that protects the borrower from fraud, deception, and other illegal activities by lenders and financial institutions.<br />';
questions[104]='Valuation fee  is~a fee charged for the inspection of a property to determine its value, or more specifically, the surveyor or lender\'s opinion of its value to be used as security for the loan.~a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.~a bank account that is linked to a home loan.~the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.~the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.~A~1~1~<br /> Early Termination Charges  is the term that describes charges that are imposed when you default, transfer, or pay off your loan before the end of the term.<br /> FID  is a now-defunct fee imposed on deposits to savings, term deposits, and other bank accounts.<br /> Mortgage Offset  is a bank account that is linked to a home loan.<br /> Principal  is the actual amount borrowed on a loan without the interest, ongoing fees, and other expenses that make up the loan\'s total cost.<br /> Valuation fee  is a fee charged for the inspection of a property to determine its value, or more specifically, the surveyor or lender\'s opinion of its value to be used as security for the loan.<br />';