Guan Yang
@guan.dk
ontology recapitulates philology
fax: +1 9173001256
fax: +1 9173001256
How would the former option work if you’ve sold the house? The collateral is no longer there, it’s a different loan. Seems like you will have to pay a penalty and prepay. And if the penalty doesn’t scale fully with the lender’s loss, a spread might still exist.
20-30% prepayment penalties ?
20-30% prepayment penalties ?
January 12, 2026 at 3:47 AM
How would the former option work if you’ve sold the house? The collateral is no longer there, it’s a different loan. Seems like you will have to pay a penalty and prepay. And if the penalty doesn’t scale fully with the lender’s loss, a spread might still exist.
20-30% prepayment penalties ?
20-30% prepayment penalties ?
My local LLM claims that some mortgages in Switzerland have a mechanism similar to Denmark where if you prepay after rates have gone up, the bank compensates you. So the “penalty” is symmetric.
January 12, 2026 at 3:44 AM
My local LLM claims that some mortgages in Switzerland have a mechanism similar to Denmark where if you prepay after rates have gone up, the bank compensates you. So the “penalty” is symmetric.
A prepayment penalty that reflects the full amount of lost interest is not that common, I think. Maybe a handful of countries.
And of course 30-year fixed rate mortgages aren’t all that common outside the US and Denmark. Compensating the lender for 5-10 years of interest is not as bad as 30 years.
And of course 30-year fixed rate mortgages aren’t all that common outside the US and Denmark. Compensating the lender for 5-10 years of interest is not as bad as 30 years.
January 12, 2026 at 3:40 AM
A prepayment penalty that reflects the full amount of lost interest is not that common, I think. Maybe a handful of countries.
And of course 30-year fixed rate mortgages aren’t all that common outside the US and Denmark. Compensating the lender for 5-10 years of interest is not as bad as 30 years.
And of course 30-year fixed rate mortgages aren’t all that common outside the US and Denmark. Compensating the lender for 5-10 years of interest is not as bad as 30 years.
Would you be stuck for 30 years or would you pay a premium similar to what the bonds are trading at?
In Denmark, you can also refinance after rates go up, by “prepaying” at market prices (actually buying the bonds in the market and delivering them to the lender to cancel the mortgage).
In Denmark, you can also refinance after rates go up, by “prepaying” at market prices (actually buying the bonds in the market and delivering them to the lender to cancel the mortgage).
January 12, 2026 at 3:31 AM
Would you be stuck for 30 years or would you pay a premium similar to what the bonds are trading at?
In Denmark, you can also refinance after rates go up, by “prepaying” at market prices (actually buying the bonds in the market and delivering them to the lender to cancel the mortgage).
In Denmark, you can also refinance after rates go up, by “prepaying” at market prices (actually buying the bonds in the market and delivering them to the lender to cancel the mortgage).
Reposted by Guan Yang
4. Value-Added Tax Law. npcobserver.com/legislation/...
For a response to the claim that this law imposes a new "condom tax," see this post by @chinalawtranslate.bsky.social:
www.chinalawtranslate.com/en/reality-c...
For a response to the claim that this law imposes a new "condom tax," see this post by @chinalawtranslate.bsky.social:
www.chinalawtranslate.com/en/reality-c...
Reality Check: Condom Tax
You’ve probably heard that China is imposing a tax on condoms to increase birth rates. While based on recent legal changes, the story is pretty
www.chinalawtranslate.com
January 7, 2026 at 10:13 PM
4. Value-Added Tax Law. npcobserver.com/legislation/...
For a response to the claim that this law imposes a new "condom tax," see this post by @chinalawtranslate.bsky.social:
www.chinalawtranslate.com/en/reality-c...
For a response to the claim that this law imposes a new "condom tax," see this post by @chinalawtranslate.bsky.social:
www.chinalawtranslate.com/en/reality-c...
In Danish (“Kongeriget Danmark”), the historical use was in the context of the Kingdom’s relations with other entities, either foreign states or other lands of the Danish king. Within the kingdom, one often didn’t speak of it as such. The two constitutions of 1849 and 1855 have super careful usage.
January 5, 2026 at 8:28 PM
In Danish (“Kongeriget Danmark”), the historical use was in the context of the Kingdom’s relations with other entities, either foreign states or other lands of the Danish king. Within the kingdom, one often didn’t speak of it as such. The two constitutions of 1849 and 1855 have super careful usage.
Yes, it has developed into a term of art for the entire state as opposed to “Denmark” as a geographical expression in Northern Europe, especially in foreign relations.
The term had a different meaning historically as a subset of the Danish lands.
The term had a different meaning historically as a subset of the Danish lands.
January 5, 2026 at 7:53 PM
Yes, it has developed into a term of art for the entire state as opposed to “Denmark” as a geographical expression in Northern Europe, especially in foreign relations.
The term had a different meaning historically as a subset of the Danish lands.
The term had a different meaning historically as a subset of the Danish lands.
Den dag i dag løber det britiske skatteår til 5. april, man selvangiver altså for perioden 6. april til 5. april. Det var den gamle nytårsdag 25. marts justeret for de dage man mistede i 1752.
January 2, 2026 at 9:19 PM
Den dag i dag løber det britiske skatteår til 5. april, man selvangiver altså for perioden 6. april til 5. april. Det var den gamle nytårsdag 25. marts justeret for de dage man mistede i 1752.