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The mortgage industry works a little differently in the US than it does in many other parts of the world. Mortgage loans are treated as commercial paper, which means that lenders can convey and assign them freely. That results in a situation where financial institutions bundle mortgage loans into securities that people can invest in.

The purpose of  system is to quickly free up money for the financial institutions to lend out in the form of new mortgages.
The US also has a number of government-sponsored enterprises, such as Freddie Mac and Fannie Mae, that exist to facilitate this system. Most mortgages have fixed rates, which is also a departure from the variable rates that are commonly found in Europe and elsewhere.

mAadhaar-UIDAI’s official App for Aadhaar holders with an array of services

With the goal of reaching out to large numbers of smartphone users, the new mAadhaar is released by the Unique Identification Authority of India.  The App features an array of Aadhaar services and a personalized section for the Aadhaar holder who can carry their Aadhaar information in form of a soft copy, instead of carrying a physical copy all the time.  


The key features in mAadhaar:
Multilingual : In order to ensure the Aadhaar Services are accessible to linguistically diverse residents of India, the menu, button labels and form fields are provided in English as well as in 12 Indian languages (Hindi, Assamese, Bengali, Gujarati, Kannada, Malayalam, Marathi, Odia, Punjabi, Tamil, Telugu and Urdu). After installation, the user will be prompted to select any of the preferred languages.  However, the input fields in the forms will accept data entered in the English language only.  This is done to help the user avoid facing the challenges of typing in regional languages (due to limitations in the mobile keyboards).