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The PTRC rate is multiplied by the gross tax, and the resulting PTRC dollar amount is subtracted from the taxpayer's gross tax. It also applauds progress achieved in consolidating the public accounts. When the fixed period ends, you'll usually move to the lender's standard variable rate.

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In addition, it allows you the flexibility to choose the mortgage that is best for you at the time of actual purchase-which is sometimes months down the road.

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