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situations such as foreclosure, loss of income, and natural disasters.

It is envisaged that prospective homeowners, financial institutions, and other stakeholders in the housing industry will use this Brochure. It can be considered as reference material for prospective homeowners as well as training material for training by financial institutions or for use in their promotional activities.

ECHMB is proud to launch this Publication. We sincerely hope that all stakeholders in the housing industry will find the Brochure most useful.

ECHMB June 2003

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