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Most Cubans own their homes and most farmers their land. When a purchase price has been determined, the bank loans the money at no interest and with no deposit. Monthly payments are equal to the rent one has been paying. The term is determined by dividing the price by the current rent payment. If a Cuban falls behind on mortgage payments the bank adds between 1% and 4% as a penalty fee and takes the payment out of the salary rather than foreclosing or evicting. There is no inheritance tax. Women keep their family surname. Vivian Figueredo & Alberto Palenque paid their house off in ten years.