<prompt> Translate the following text to SwahiliThe net present value of the cash flow from the estimated sales of foreclosed property is included in calculating the subsidy cost of post-1991 direct loans and loan guarantees.  <response>: Thamani ya sasa ya fedha kutoka kwa mauzo ya makadirio ya mali iliyopigwa ni pamoja na kuhesabu gharama ya ruzuku ya mikopo ya moja kwa moja na dhamana ya mkopo baada ya 1991. 