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A mortgage loan or simply mortgage (/ ˈ m ɔːr ɡ ɪ dʒ /), in civil law jurisdictions known also as a hypothec loan, is a loan used either by purchasers of real property to raise funds to buy real estate, or by existing property owners to raise funds for any purpose while putting a lien on the property being mortgaged.
A reverse mortgage is a mortgage loan, usually secured by a residential property, that enables the borrower to access the unencumbered value of the property. The loans are typically promoted to older homeowners and typically do not require monthly mortgage payments.
So, an employee working 24 hours per week would receive 48 hours per year of personal leave. The ruling was consistent with the previous advice provided to employers by the Fair Work Ombudsman that employers need only pay employees for 7.2 hours of personal leave when taken on a day when a 12-hour shift is ordinarily worked. [7]
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