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/u/Horatio4040 on Levels not seen since the GFC’: NAB calls the retail recession In the bank’s Monthly business survey for May, NAB chief economist alan oster noted that "the recent deterioration has seen conditions in the industry fall to levels not seen since the GFC". He said this suggested that "the consumer remains highly cautious with anything but spending on essentials because of ongoing slow income growth, high debt.Lots of Variables with Fixed-Rate Mortgages Lots of Variables with Fixed-Rate Mortgages. Tip: Payment Practices. Depending on the loan, a home buyer who chooses a 30-year mortgage may have the option to make extra payments. In a sense, this enables the borrower to treat the long-term loan like a short-term one.
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