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Penn State requires specific supplemental materials to accurately review international student applications. Required Application Materials Penn State requires a number of different materials from international students to complete an application. Please review the following requirements to ensure you can provide all of the proper documentation to complete your application. Academic Records Secondary School Records Post-Secondary School Records English Language Proficiency Standardized Tests Penn State requires first-year international applicants (not transfer students) to complete the Self-Reported Academic Record (SRAR) portion of the Penn State application, unless their country of schooling is South Korea. For students required to complete SRAR Those first-year international students who complete SRAR and who accept an offer of admission to Penn State will need to submit final official secondary school transcripts as soon as possible. These documents will be used to validate the information submitted through SRAR.
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In some cases, 100% LTV mortgages may be available only if you have a guarantor – namely someone willing to take on the risk associated with the mortgage. This means that they will take responsibility if you fail to keep up your payments, but this could lead to them having their home own repossessed. What are the risks of a zero deposit mortg/age? Unlike a typical mortgage, a 100% LTV requires no up-front deposit. While this is fantastic for those with no savings looking to get on the property ladder, it does typically mean the lender will charge a higher level of interest to compensate for the additional risk. Therefore, if you do have a deposit you are more likely to get a cheaper mortgage overall by putting forward some money and going for a lower LTV mortgage. What is negative equity? Because you have borrowed 100% of the value of the property, a fall in the value of the property will mean you suddenly owe more than it is worth. This is called negative equity. House prices generally rise over the long term, but until prices pick up again you will find it hard to move, because the money you'll receive from the buyer won't cover the mortgage costs you need to pay back to your lender.
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