Refinancing refers to the replacement of an existing debt obligation with another debt obligation under different terms in short; it is borrowing to pay off what you previously borrowed. The terms and conditions of refinancing may vary depending on the country or province, and also based on several economic factors such as, inherent risk, projected risk, political stability of a nation, currency stability, banking regulations, borrower's credit worthiness, and credit rating of a nation. The most common, in many industrialized nations, are refinancing of primary residency mortgage
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