51.   Residents of other states can call a toll-free number to find out if they are eligible for the new mortgages.

52.   Residents of other states also can call a toll-free number and may be eligible for the new mortgages.

53.   Savings are coming not only from new mortgages and mortgage refinancing but also other consumer and business loans.

54.   The December drop marked the third consecutive month in which new mortgage loans have fallen steeply.

55.   The Mortgage Bankers Association of America, a Washington-based trade group, says applications for refinancing have exceeded those for new mortgages for the past eight weeks.

56.   The new mortgage financing policy will make HDB flats more expensive for those who already own property.