However, what most borrowers don't realize, is the interest rate and expected monthly payments are determined by several factors, including the borrower's past credit history, current financial situation and future earnings potential, the lender's costs and desired profit margin, and the loan repayment options the borrower selects. (u-fi.com)
Retailers can reap many rewards - including much desired profit - by getting fully immersed into the pond segment of aquatics and offering a comprehensive selection of livestock. (petbusiness.com)
We could summarize that for the duration of a loan, fixed mortgage rates are determined on the following basis: cost of capital + administration costs and / or mortgage negotiations + risk premium (in the risk of the borrower defaulting on the mortgage) + the bank's desired profit = cost of the mortgage for the borrower. (remonline.com)