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					Word(s) :   Valuation - a check carried out by a professional surveyor to ensure a property is worth its asking price and is appropriate for approval of a mortgage. Variable rate - when the interest rate payable against a loan or mortgage can go up or down. VAT (Value Added Tax) - an indirect tax that is levied on most purchases. Volatility - The degree by which share prices in a particular stockmarket or sector go up or down. Voluntary Scheme - A pension or other benefit scheme in which the members choose the extent and levels of benefits provided. Vendor - the person or party selling a property.