This glossary contains key terms from the whole text book. 

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A person who has resided in a country other than their country of origin for more than twelve months, regardless of the circumstances of migrating (e.g., voluntary/involuntary, regular/irregular).


loan in which the mortgaged property can be taken and sold by the lender if the borrower fails to pay back the loan. Therefore, mortgages are secured loans, because they are backed by a property that can be sold if the borrower defaults (this process is called foreclosure).