Whenever necessary, the Central Bank of China, in order to control credit, may impose a maximum lending rate on loans secured by selected types of items for pledge or properties for mortgage.

中央银行因调节信用，于必要时得选择若干种类之质物或抵押物，规定其最高放款率。

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The decision makes its clear that, at least in the state of Massachusetts, a bank or lender that wants to foreclose on a home must own the mortgage in order to do so.

FORBES: Mass. Judge Rules Against Banks, Foreclosures Are Void