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A century after the 1871 act, the Banking and Financial Dealings Act 1971 (c. 80), which currently regulates bank holidays in the UK, was passed. [14] The majority of the current bank holidays were specified in the 1971 Act: however New Year's Day and May Day were not introduced throughout the whole of the UK until 1974 and 1978 respectively. [15]
Mortgages in English law are a method of raising capital through a loan contract. Typically with a bank, the lender/mortgagee gives money to the borrower/mortgagor, who uses their property/land/home as security (essentially a reassurance) that they will repay the debt and any relevant interest.
Categorizing loan agreements by type of facility usually results in two primary categories: term loans, which are repaid in set installments over the term, or; revolving loans (or overdrafts) where up to a maximum amount can be withdrawn at any time, and interest is paid from month to month on the drawn amount.
In the case of home loans, if the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it. Loan modification can avoid defaults. [1] Similarly, a loan taken out to buy a car may be secured by the car.
The Enterprise Finance Guarantee (EFG) is a UK government-guaranteed lending scheme intended to help smaller viable businesses who may be struggling to secure finance, by facilitating bank loans of between £1,000 and £1 million.
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The Bank Holidays Act 1871 (34 & 35 Vict. c. 17) established public holidays (known as bank holidays) in addition to those customarily recognised in the United Kingdom.. The Act designated four bank holidays in England, Wales and Ireland (Easter Monday; Whit Monday; First Monday in August; 26 December if a weekday) and five in Scotland (New Year's Day, or the next day if a Sunday; Good Friday ...
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