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Survival figures for the UK as a whole are not currently available. You can bet that any shortfall to the lender is hit with a hefty interest charge to the borrower-it's all right there in the small print no one reads. Do you think I would be approved for a loan with this FICO score?
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Given the fees and interest rates, some financial planners question the advantages of a reverse mortgage over alternatives like selling. Those families that are able to make even larger gifts, say $60,000, should consider giving the maximum yearly amount at the end of one year and the remaining amount at the beginning of the next year. Over the last year and a half, a third of these people have done nothing to reduce their debt. 
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