A stacked portion of the thylakoid membrane in the chloroplast. Grana function in the light reactions of photosynthesis. gravitropism ... granum (pl grana) /GRAY-nÉm, GRAN-Ém, GRAW-nÉm/ One of the stacks of thylakoids within a chloroplast that convert light into chemical energy.
Gap insurance coverage is associated with a specific auto loan. It can't be transferred or reassigned to another loan, even one that covers the same vehicle. When you refinance, your loan is paid off and your gap coverage ends. If you want to maintain gap insurance on your car, you'll need to purchase a new policy.hen you refinance, the interest rate and length of the loan can change. Ask your auto insurance company what they'll pay if the car is declared a total loss. If that amount is less than you owe, consider adding gap coverage to the new loan.
You pay the state transfer tax upon purchase of a New York home. Without a CEMA, you pay taxes again on the entire refinance amount on the same property. With a CEMA, you're only taxed on the difference between the unpaid loan amount and the new loan amount. For example, if the unpaid mortgage balance at the time of refinance is $400,000 and the refinance loan amount is $450,000, you only pay the transfer tax on the difference between the two -- the mortgage amount added to the home -- which is $50,000.