... 除外责任比率：Exclusion Ratio 除外储备：excluded reserve 除外财产：excluded property ...
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Borrowers with post May 31st, 2009 FHA mortgages are excluded from the deeply discounted streamline financing premiums, and are subject to the new higher reserve-fund-subsidizing-payroll-tax-cut-paying premiums.
FORBES: How The Payroll Tax Cut Is Costing Low Income Borrowers
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