<a href="http://www.noss123.com/">http://www.noss123.com/</a> In most jurisdictions mortgages are strongly associated with loans secured on real estate rather than other property (such as ships) and in some cases only land may be mortgaged. Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property. In many countries it is normal for home purchases to be funded by a mortgage. In countries where the demand for home ownership is highest, strong domestic markets have developed, notably in Spain, the United Kingdom and the United States. Real estate bubbles are invariably followed by severe price decreases (also known as a house price crash) that can result in many owners holding negative equity (a mortgage debt higher than the current value of the property). As with any type of economic bubble, it is difficult for many to identify except in hindsight, after the crash. The crash of the Japanese asset price bubble from 1990 on has been very damaging to the Japanese economy and the lives of many Japanese who have lived through it [3], as is also true of the recent crash of the real estate bubble in China's largest city, Shanghai [4]. Unlike a stock market crash following a bubble, a real-estate "crash" is usually a slower process, because sellers prefer not to sell their own homes. Other sectors such as office, hotel and retail generally move along with the residential market, being affected by many of same variables (incomes, interest rates, etc.) and also sharing the "wealth effect" of booms. Therefore this article focuses on housing bubbles and mentions other sectors only when their situation differs from housing.By participating in Number One Success System and willingly giving a gift to one or more of its participants, the donor of such a gift has chosen to extinguish all rights to the gift and cannot rightfully expect or depend on Number One Success System or any of its participants for any type of monetary compensation.