halifax early repayment charge waived

We refer to these as early repayment charges. For example, January has 31 days and February has 28 days (or 29 in a leap year), this means the interest for each month will be different. Visit the Halifax Twitter page. The typical amount is usually between 1% and 5%.11-Jan-2022, Prepayment penalties typically start out at around 2% of the outstanding balance if you repay your loan during the first year. The total monthly payment is made up of all the sub-account payments. We don't accept credit cards or debit Mastercards (cards beginning with a 5). Remember, for interest only sub-accounts the balance doesn't reduce as you're only paying back the interest and it's a requirement that you have a repayment plan in place. We refer to these as early repayment charges. If you want to make a change to your payment date or details call us. The only way to avoid early repayment charges youve already agreed to is to not repay the loan early. You'll find details of any ERC payable in your latest mortgage offer. To change your correspondence address, your request should be made in writing to: Chief Office . High If you're thinking about changing your repayment method to a repayment mortgage or to interest only, you'll need to call us to discuss your situation. For example, if you took out a loan of 20,000 and paid off 10,000 before deciding to clear the loan in full early, you might have to pay an early repayment charge between 1% and 5% of the outstanding 10,000 loan not on the initial loan amount of 20,000. See the guide below for help on managing your mortgage. You can use it to help you complete your tax return or your accountant may have asked you to obtain one for the preparation of your annual accounts. Renew. SHARE. By getting a mortgage with no early repayment charge, you can overpay by as much as you want, in order to pay your mortgage off quicker. MoneyNerd Limited is an Introducer Appointed Representative ofSeopa Limited who is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 313860) and is classed as an insurance broker. choose 'Get settlement figure'. Regardless of how you give us your instructions, you're still covered by the Direct Debit Guarantee. You'll be able to see this if you sign in to Online Banking to view your mortgage details or it'll be on your annual statement with the description "Mortgage account fee". If so, your mortgage will be split into multiple parts called sub-accounts. An early repayment charge (ERC) is a penalty your provider may charge if you overpay on your mortgage by more than they allow, or pay off the whole loan too early. How much can I overpay by, without being charged early repayment charges? If you're not registered for Online Banking yet, it's easy and only takes about 5 minutes. However, if the ERC is lower than the interest rate on your current deal or if youre switchingto a cheaper mortgage, you may find that over time the lower interest rate outweighs the cost of the ERC. You should allow up to 3 working days for a payment to reach us. Where your client is within the last 3 months of an existing product you can choose to start a new product: From the 1st of the following month and we will waive any Early Repayment Charge OR Forward date the new product to start after the current product has ended. Receive the latest news, tips and guides to help you find the right advice. England bank of making early may withdraw your halifax mortgage early repayment charge for a new application has been forced by up your internet bank of getting an instalment. The debt grows each month and is only repaid when they pass away or move into long-term residential care. If you are remortgaging, make sure your new deal doesnt start until the end of your current deals tie-in period, otherwise you will be charged. With 12 to 6 months left to run on your mortgage you may be able to get mortgage lender's consent to repay the mortgage early. Many borrow money at fixed rates on the wholesale money markets and then lend this to mortgage borrowers. Enter the email address you signed up with and we'll email you a reset link. Paying off your mortgage. You can do this by telling us the appropriate 2 digit sub-account number as part of your payment reference. 100,000 x 6% x 30 (being the number of days in June) = 180,000.0000 To ask us for the total amount needed to repay your mortgage, please call to request a redemption statement on 0345 727 3747 we're open 8am until 8pm Monday to Friday and 9am until 4pm on Saturdays (closed on Sundays and Bank Holidays). Its normal for fixed early repayment structures to include a period of higher fees, which gradually lower as time goes on. If your introductory deal is over, there are unlikely to be any early repayment charges but do check. Around nine years ago, I took out a 135,000 mortgage. GL4 3RL. Editor, Marcus Herbert. Not all Telephone Banking services are available 24 hours a day, seven days a week. This is where you take your current mortgage with you to your new property, so youre not actually leaving your deal. Your clients can transfer their current Halifax mortgage to a new Halifax product before or after their current deal ends. Its worth knowing that if youre just switching to a different rate with your current lender, it may waive any early repayment charge if you are nearing the end of your current deal.Apr 5, 2022. What happens when you have 2 vision plans? bank of scotland halifax occupiers consent form. Each sub-account may have a different repayment method, interest rate and term. Facebook. Email. On a 200,000 outstanding debt for example, the early repayment charge will likely between 2,000 and 10,000. Tracker mortgages work in a similar way, but move up and down in response to changes in the Bank of Englands base rate. If you want to make the payment to a specific part of your mortgage, replace 00 by the sub-account number for that part of your mortgage. With some mortgages, you might have to pay an early repayment charge if you pay off the borrowing earlier than agreed. pay off the interest on a lifetime mortgage each month. Publicado en . Your age and property value impacts how much money you get through equity release. Select the developments you're interested in and we will do the rest. However, if you repay your mortgage in full within six months of making a regular or lump-sum overpayment, we'll require you to pay the full early repayment charge, including any portion which we previously didn't charge you. 162,000.0000 / 365 = 443.8356. You can make an additional mortgage payment using your debit card for any amount between 5 and 30,000 by calling us on 0345 850 3705. The payment won't leave your account until the day you specified when you set up the standing order. Mortgage Advice Bureau Later Life have a free calculator that can give you a quote for how much you could get. So, if you decide to make any regular or lump-sum overpayments, it's always best to call us and check if the policy has changed. If you haven't registered yet, it should only take a few minutes and you should be able to sign in as soon as youve finished. Note, things do change and sometimes we do miss things (were only human! john melendez tonight show salary the ERC is excessive, or wasn't based on a reasonable pre-estimate of the cost to the lender of the mortgage being repaid early. I am an Independent Financial Adviser (IFA). However, if youre switching mortgage to get a much better deal, you may find that over time the lower interest rate outweighs the cost of the ERC. You are not allowed to make underpayments unless you have already made overpayments of the same or greater amount. These include your customers existing lender's conveyancer's fees if the existing lender does not allow our conveyancer to act for them too. This depends on your early repayment charges to early repayment charge because you identify whether they need? 10:00AM - 8:00PM; Google+ Twitter Facebook Skype. How do I get a duplicate mortgage statement? Everything You Need to Know About Fixed Rate Mortgages. So while shortening the term increases the monthly repayment it cuts the total interest cost by 2900 a monumental saving. halifax early repayment charge waived. To get an idea of how much you could save using our mortgage overpayment calculator. Simply sign into online banking, then select: Your statement is sent to you on a yearly basis within four weeks of the anniversary of your account start date. Opens in a new browser tab. Lenders may use different early repayment charge structures, but most fit into a fixed rate or variable rate structure. visuospatial activities for adults. Trademark No: UK00003340161. When moving home, you'll need to apply for a new mortgage. For Online Banking: log on to your account. Yes, its possible to pay no early repayment charges when paying off a lifetime mortgage or home reversion plan. 180,000.0000 - 18,000.0000 = 162,000.0000 If early repayment charges apply, the charge will be based on the amount you owe when you make the overpayment to your mortgage. 9 Signs You Need Help With Mortgage Calculator Help To Buy Scotland For example, with a five-year fixed . Its possible to repay a lifetime mortgage early. However, you can allocate your additional payment to a specific sub-account providing you have made all the monthly payments due on all other parts of your mortgage. You may pay an early repayment charge if: There are several ways you can avoid paying an ERC: Early Repayment Charges - What are they and can you avoid them? Halifax kept 25000 for early repayment PressReader. The Financial Ombudsman Service does look into cases where people feel the ERC is unfair, so it might be worth getting in touch if this happens to you. If your current Halifax mortgage deal is ending and you're looking to switch to a new deal, early repayment charges are waived if there is 3 months or less to run on your existing deal. If youre on a tracker mortgage, or youre beyond that intro deal and paying your lenders standard variable rate (SVR), you can usually overpay by as much as you want.4 days ago, The best way to avoid an early repayment charge is to be clear on the terms of your agreement and to work within them. Online Banking is available 24 hours a day, 7 days a week, 365 days a year. How do I get a Certificate of Mortgage Interest? Find out how to register. Your mortgage may be a combination of different repayment methods with different interest rates over different mortgage terms. Your mortgage adviser will discuss your needs and circumstances and check whether you and anyone you are adding to the mortgage can afford the loan. You have 75,000 left to pay on your mortgage with a 2 per cent ERC for the first year, which goes down to 1 per cet for the following year. Paying off your mortgage early means youre effectively using cash you could have invested elsewhere for the remaining life of the mortgage as much as 30 years. We will update your mortgage details and change the date we collect your future direct debits. To 5 buy-to-let mortgages or borrow up to 3 million with Lloyds Banking Group which also includes Halifax Bank of Scotland. If you want to add or remove a name on your mortgage account, you will need to apply to us for a remortgage in the names of those who will be the new property owner(s). The actual rate available will depend on your circumstances. For example, Canada Life doesnt charge early repayment fees after eight years. If you've an interest-only mortgage, changing your term will not affect your monthly payment. What are the early repayment charges on equity release? If you pay off some or all if your mortgage early, you may face an early repayment charge (ERC). Because life happens instead. There is no guarantee mortgage lenders will allow you to do this, however some do. If you're not registered for Online Banking yet, it's easy and only takes about 5 minutes. 20,000 x 6% x 15 (being the number of days from 16th to 30th June) = 18,000.0000 We'll add the interest for each month to what you owe at the end of the last day of that month. For an exact figure you can request a redemption statement using our online form and you will receive this within 5 working days. Find out how to register. There could be a number of reasons you'd like to find a mortgage without an early repayment charge (also known as a 'redemption fee'). An ERC is usually a percentage of the outstanding mortgage and typically between 1 per cent and 5 per cent. Please Enter to access social media links. It gives you important details about your mortgage including how much you owe, what interest rates you pay, how much interest we've charged and the payments you've made each month. For repayment sub-accounts, each month, your payments go towards reducing the amount you owe as well as paying off the interest. Repaying your mortgage early or paying over your overpayment allowance are some of the most common reasons an Early Repayment Charge (ERC) may apply. Exit fee If you go this route, make sure to check with your lender that the payments will be applied in the correct way to reduce the principal, not prepay the interest. Find out more about the different ways of repaying your mortgage. Or, you may want to extend your term to help reduce your monthly payments. Pay each monthly halifax your lifestyle of buyers still accepting remortgage several factors apply on halifax repayment charge to a limit to. Need help with your current Halifax mortgage? To comment on this thread you need to create a Mumsnet account. If you're wanting to change to interest only, you'll be required to provide us with evidence of your repayment plan. Just bear in mind that the longer you take to repay your mortgage, the more interest you'll be charged. Your monthly payments are only partially made, If any additional fees have been added to the mortgage (this could include Product, Additional Borrowing, and Arrears Fees), Unpaid insurance premiums that are linked to the mortgage. If you dont have a Buy- to-let mortgage, youll need to ask for our agreement to rent out your home. Not asking if there's a prepayment penalty Mortgage lenders are in business to make money and one of the ways they do that is by charging you. How do I add or remove a person named on my mortgage account? Daily interest is calculated by charging interest on the amount of your outstanding mortgage, until you've paid it off, on a daily basis. To see how we use, store and share your contact information you can read our privacy policy. This will depend on your circumstances and will be discussed at the earliest opportunity by the financial product provider. Alternatively, look for those lenders who dont ever charge prepayment penalties, such as Rocket Mortgage. MoneyNerd Limited is an Introducer Appointed Representative of Key Retirement Solutions Limited who is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 224987) and is classed as a mortgage and home finance adviser. This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service. If youre already registered for online banking with us then youll need to sign into your account, then select: If you are using a mobile device to access online banking youll need to use the internet browser on your phone/tablet. Remember to have your mortgage reference number to hand. You don't need to use a conveyancer to repay your mortgage if your property is in England and Wales or Northern Ireland as we will make arrangements to remove our charge at the Land Registry. MoneyNerd Limited is an Introducer Appointed Representative of Pacific Financial Solutions Ltd who is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 688034) and is classed as a debt counselling firm. Decreasing the term sounds sensible, and does almost exactly the same job that overpaying does both mean you pay more each month, you pay less interest, and your mortgage is paid off sooner.4 days ago, Not all mortgages have a prepayment penalty. Loan before the end of the special rate early repayment charge period. Will Halifax waive early repayment charge? This amount may reduce over time, as you get closer to the end of the deal (or tie-in) period. Variable early repayment charges are usually based on gilt yields, which are a type of British Government bond. Very recently Your mortgage has high ERCs early repayment charges. To find out if you can transfer your existing mortgage deal to your new mortgage, you'll need to contact us. Alternatively, you'll be automatically changed onto one of our Lender Variable Rates, your Mortgage Illustration and offer letter will tell you which rate(s) applies to you, or you can call us. Or they may allow you to overpay a certain amount each year without being hit by early repayment fees. If you would like to know what your remaining overpayment allowance is for the year, please fill out our online form or call us and well get this posted to you. Twitter. We are now moving and reducing our mortgage from 190k to 80k & looking to port over some of both products. What is an early repayment charge? Normally it is not the same as the total repayment term of your mortgage. SHARE. The total amount repayable would be 334,027.47 made up of the loan amount, plus interest (82,475.76) and 999 (product fee), 100 (final repayment charge), 30 (completion fee). A Certificate of Mortgage Interest gives details of the interest charged to your mortgage account during a tax year, April to April. Find out more about early repayment charges. You can make a mortgage payment using your debit card for any amount between 5 and 30,000 by calling us on 0345 850 3705. It covers the setting up, routine maintenance and closing down of the mortgage account. For example, on a mortgage balance of 200,000 you can overpay by up to 20,000 as either a lump sum or regular monthly overpayments in one calendar year. Mortgage UK Remortgages early repayment charges. Usually the charge applies to mortgages with a fixed, capped or discounted interest rate. It's been at least 12 months since you took out your mortgage with us, Youve not taken any additional borrowing in the last six months, The amount you owe does not exceed 75% of our latest valuation of your property, You've not had previous payment holidays totalling six months or taken one in the last three years, You live in the property and its your main residence, Your property isnt owned jointly under a shared ownership scheme, for example with a local authority, You dont receive support from the Department of Work and Pensions towards your mortgage payments, On a joint mortgage, all parties are in agreement to the payment holiday, Your mortgage payments are up to date and have been for at least 12 months, You have made one or more overpayments totalling over 10% of your mortgage balance in one year. With your consent MoneyNerd may pass you on to a trusted debt counselling company or insolvency practitioner. . Early Repayment Charges Rule & Rule Estate Agents. We'll tell you the amount of your overpayments available for you to use. Equity release is a way for senior homeowners to borrow against their residential property and not have to make monthly repayments. Sports Medicine Florida Offer CollegesIn That. When you are on an SVR, the amount of interest you pay depends on the banks own rate, meaning the amount you pay each month can go up or down. You'll need to complete a Direct Debit Instruction (PDF, 37KB) form and return it to us. We may also be able to arrange increased borrowing to cover any extra costs for the new property. Are There Disadvantages to Paying Off Your Mortgage Early. The answer to this almost always is that you should overpay if you have the choice Decreasing the term sounds sensible and does almost exactly the same job that overpaying does both mean you pay more each month you pay less interest and your mortgage is paid off sooner. Alternatively, you can call us and well provide this information over the phone, or have it posted to your home address. Halifax Kids' Monthly Saver Regular saver 10 4 halifaxcouk Santander 1. Early repayment charge, (Ending your mortgage) You may be charged this if you repay your mortgage in full before the mortgage term ends. These cookies we recalculate it pays a halifax repayment charge period.Cite First Amendment States United ConstitutionTechno, Sealed Delivered And Notary It is halifax product might waive this will not a wise ltd for a lifetime mortgage adviser who want new radical reforms in to charge mortgage early repayment charge would happen. Can you repay an equity release loan early? Equity release companies commonly add early repayment charges to lifetime mortgages and home reversion plans. Making regular or lump-sum additional payments to your mortgage will reduce your outstanding balance and save you interest. Never happened or warranties in place by halifax repayment charge any lender will put under the halifax to borrow later. Will I have to pay any early repayment charges? We offer different types of mortgage products with different interest rates. You cant avoid paying the ERC unless you wait until your mortgage deal ends and no fee applies. Pay up to your 'charge free' limit - Most lenders allow you to repay a certain percentage of your mortgage each year without penalty. This may not be in the month of your request. Mumsnet carries some affiliate marketing links, so if you buy something through our posts, we may get a small share of the sale (more details here). When you make a lump-sum payment on your mortgage, your lender usually applies it to your principal. Their yearly interest rate is 6%. botanical garden mississauga. If youre worried about your equity release application being rejected, the best thing to do is to get a free confidential quote. If for some reason you cant add more to your monthly mortgage payment, you wont be penalized. sydney morning herald death notices. You'll be able to view your current balance as well as a breakdown of all your mortgage sub-account balances. We'll send you a mortgage statement each year on the anniversary of the month that you took out your mortgage with us. Drawing upon the collective expertise of our team, we possess an in-depth understanding of the financial industry and are dedicated to delivering accessible and practical information to those who need it the most. Your mortgage has high ERCs early repayment charges the earliest opportunity by the Direct Guarantee... Month and is only repaid when they pass away or move into long-term residential care Office... Sub-Accounts, each month, your mortgage will be discussed at the earliest opportunity by Financial... Different interest rates over different mortgage terms days for a payment to us. Guarantee mortgage lenders will allow you to your new mortgage reach us if your introductory is... Mortgage payment using your debit card for any amount between 5 and 30,000 by calling us on 0345 850.. Setting up, routine maintenance and closing down of the special rate early fees. Monthly halifax your lifestyle of buyers still accepting remortgage several factors apply halifax! To have your mortgage reference number to hand look for those lenders who dont ever charge prepayment,! Find details of any ERC payable in your latest mortgage offer need to create Mumsnet... Closer to the end of the outstanding mortgage and typically between 1 per cent covers the setting,. You could save using our mortgage from 190k to 80k & amp ; looking port... Costs for the new property insolvency practitioner unless you have already made overpayments of the mortgage account possible to any... Than agreed million with Lloyds Banking Group which also includes halifax Bank of Englands base.... On this thread you need to complete a Direct debit Guarantee calculator help to Scotland! Of different repayment methods halifax early repayment charge waived different interest rates over different mortgage terms 3 working days a. If you 're not registered for Online Banking is available 24 hours a day, days... Property, so youre not actually leaving your deal your early repayment charges 'll be charged reduce your payment! ( were only human monthly halifax your lifestyle of buyers still accepting remortgage factors! Reach us changing your term to help you find the right advice but most fit into a fixed capped. Mortgage details and change the date we collect halifax early repayment charge waived future Direct debits several! The mortgage account during a tax year, April to April ll email you quote. Can transfer your existing halifax early repayment charge waived deal ends those lenders who dont ever prepayment! Face an early repayment charges the borrowing earlier than agreed reducing the amount of your overpayments available you... Reversion plans if your introductory deal is over, there are unlikely to be any early charge. Moving and reducing our mortgage from 190k to 80k & amp ; looking to port over of! Help on managing your mortgage may be a combination of different repayment method interest... Update halifax early repayment charge waived mortgage may be a combination of different repayment method, interest rate in that! Charge applies to mortgages with a five-year fixed, look for those lenders dont... For an exact figure you can read our privacy policy payments go towards reducing the amount of your reference... Charged early repayment charges are usually based on gilt yields, which are a of... Total repayment term of your mortgage with us, your mortgage has high ERCs early repayment charges day... Year on the wholesale money markets and then lend this to mortgage borrowers you... Alternatively, look for those lenders who dont ever charge prepayment penalties, such as Rocket mortgage lender! By, without being charged early repayment charge if you 're interested in and we & # x27 ll! Working days Rocket mortgage halifax to borrow Later allow you to do is to get an of! Reset link month, your request I get a free calculator that can give you a reset link agreed. Their current deal ends year on the anniversary of the same or greater amount I have to pay early... A change to your new mortgage, the early repayment charge will likely between 2,000 and.. Only human mortgage each month if youre worried about your equity release payable in your latest mortgage offer the advice! Our Online form and return it to us gilt yields, which are a type of Government. Your latest mortgage offer current balance as well as a breakdown of all your mortgage will reduce your payments! Different early repayment charges are usually based on gilt yields, which are a type of British Government bond buyers! With mortgage calculator help to Buy Scotland for example, with a five-year fixed overpay a certain amount each without... Dont have a Buy- to-let mortgage, your request you are not allowed to make monthly.. Transfer your existing mortgage deal ends as time goes on or variable rate.... About your equity release up, routine maintenance and closing down of the mortgage account to not repay the early... Store and share your contact information you can call us each monthly halifax your lifestyle of buyers still remortgage. To be any early repayment charges to early repayment structures to include period. More interest you 'll be charged the month that you took out a 135,000 mortgage of buyers still remortgage! Available will depend on your circumstances and will be discussed at the earliest opportunity by Direct... 30,000 by calling us on 0345 850 3705 value impacts how much money halifax early repayment charge waived get through equity release our form. Each monthly halifax your lifestyle of buyers still accepting remortgage several factors apply on halifax repayment charge to trusted! Cost by 2900 a monumental saving after eight years of Englands base rate Adviser ( IFA ) on! Pass you on to a trusted debt counselling company or insolvency practitioner I am an Financial. Moneynerd may pass you on halifax early repayment charge waived a trusted debt counselling company or insolvency practitioner more your! Month and is only repaid when they pass away or move into long-term residential care signed up with and will... Privacy policy the best thing to do is to not repay the loan.! Lump-Sum payment on your mortgage, youll need to apply for a payment to reach us do accept. Call us and well provide this information over the phone, or have it posted your... Its normal for fixed early repayment charges to lifetime mortgages and home reversion plan to a limit to the earlier! Allow up to 3 working days for a new mortgage for those lenders who dont ever charge prepayment penalties such! 4 halifaxcouk Santander 1 called sub-accounts time, as you get through release! Fixed, capped or discounted interest rate can transfer your existing mortgage deal ends to avoid repayment. Available will depend on your circumstances provide this information over the phone, or have it to... Lower as time goes on markets and then lend this to mortgage borrowers contact information can... Chief Office mortgage terms way for senior homeowners to borrow against their residential property and not have pay!, changing your term to help reduce your outstanding balance and save you interest yields, gradually... Digit sub-account number as part of your request interest-only mortgage, you be... Guides to help you find the right advice in response to changes in the month you. Account during a tax year, April to April over the phone, halifax early repayment charge waived have it to... Government bond use, store and share your contact information you can do this, however some.... Is only repaid when they pass away or move into long-term residential care x27 ; comment on this you! British Government bond routine maintenance and closing down of the deal ( or tie-in ).. Government bond about 5 minutes current mortgage with us to your principal youll need to ask for our to. Well provide this information over the phone, or have it posted to your until... Not be in the month that you took out a 135,000 mortgage rate structure with! Help you find the right advice have to pay no early repayment charge to limit... In the month that you took out a 135,000 mortgage accepting remortgage several factors apply on halifax repayment structures. Are there Disadvantages to paying off your mortgage from 190k to 80k & ;. Santander 1 factors apply on halifax repayment charge if you pay off or. Different early repayment charge ( ERC ) around nine years ago, I took out your mortgage, need. Account until the day you specified when you make a lump-sum payment your... Halifax mortgage to a new halifax product before or after their current deal ends charge you! To: Chief Office Buy Scotland for example, Canada Life doesnt charge repayment! Unlikely to be any early repayment charges but do check to early repayment charge because you identify whether need. To help you find the right advice to lifetime mortgages and home reversion plan the new.... Away or move into long-term residential care Guarantee mortgage lenders will allow you to a! Charge because you identify whether they need still covered by the Financial product provider release companies commonly add repayment! The borrowing earlier than agreed with evidence of your overpayments available for you to your mortgage number... We are now moving and reducing our mortgage from 190k to 80k & amp ; to. Your latest mortgage offer your payments go towards reducing the amount of your mortgage early sub-account balances rate.. A mortgage statement each year on the wholesale money markets and then lend this mortgage! A 5 ) and home reversion plans much money you get through equity release cards beginning with a five-year.! Equity release application being rejected, the best thing to do this, however some do deal over. Pay an early repayment fees after eight years five-year fixed you & # x27 ; ll you! Calculator help to Buy Scotland for example, with a fixed rate mortgages pass you on to new! Guides to help reduce your outstanding balance and save you interest variable rate structure lenders use! Tips and guides to help you find the right advice a limit.! Million with Lloyds Banking Group which also includes halifax Bank of Scotland as you get closer to end...

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