Sentences with phrase «because of amortization»

Even if you make no extra payments, because of amortization, you'll own your home free and clear by the end of the loan term.

Because of amortization, the amount I would pay in interest each year for my mortgage would be very high at the start of the mortgage, and would decline gradually.

You pay $ 225 more in taxes (actually, because of amortization, the amount of additional taxes has been steadily increasing as the interest portion of the loan payments has reduced) but have the remaining $ 1575 in your pocket to do something else.

Since the loan balance is declining because of amortization it also figures that the monthly MIP cost is also slowly falling.

Not exact matches

Management believes analysts and investors use Adjusted EBITDA as a supplemental measure to evaluate overall operating performance and facilitate comparisons with other wireless communications companies because it is indicative of T - Mobile's ongoing operating performance and trends by excluding the impact of interest expense from financing, non-cash depreciation and amortization from capital investments, non-cash stock - based compensation, network decommissioning costs as they are not indicative of T - Mobile's ongoing operating performance and certain other nonrecurring income and expenses.

This is a beautified version because CBL «excludes the impact of lease termination fees and certain non-cash items of straight - line rents, write - offs of landlord inducements, and net amortization of acquired above and below market leases.»

We believe it is useful to exclude non-cash charges, such as depreciation and amortization and share - based compensation expenses, from our Adjusted EBITDA because the amount of such expenses in any specific period may not directly correlate to the underlying performance of our business operations.

Earnings before Interest, Taxes, Depreciation, and Amortization (EBITDA) A non-GAAP measure often used to compare profitability between companies and industries, because it eliminates the effects of financing and accounting decisions.

Husky is expected to have earnings before interest, tax, depreciation and amortization this year of more than $ 350 million, the sources added, asking not to be identified because the deliberations are confidential.

However, in most cases the amortization period changes because different borrowing terms, interest rates and payments against the principal amount at each renewal vary the length of time required to pay off the mortgage.

Buyers can also opt for a 15 year term, which has a lower rate, albeit a higher payment because of the shorter amortization.

You can not really use these equations directly to calculate your note rate and APR, because your loan amount (i.e. your principal or amount financed) falls during the course of your loan as you pay it down, and as you pay off your loan balance your interest charges fall in accordance with amortization (again, you can learn how car loan interest charges work here).

Provided you're making minimum mortgage payments and you don't have an amortization that takes you into retirement, not putting some of your extra cash flow into RRSP or TFSA investments can be considered risky — because you don't know which will have the bigger impact down the road.

We'll discuss specific reasons why this might happen to you below, but in general people become «upside down» in their car loans because of how car depreciation and car loan amortization interact.

You are buying them both for rental income and in the first few years that you own the rental property (or the first few years of a junior REIT), it always just so happens that the Depreciation & Amortization are large because the capital cost of the property is large.

You can delve deep into the formulas used in my Loan Amortization Schedule template listed above, but you may get lost, because that template has a lot of features and the formulas can be complicated.

Personally, I am not a fan of using EBITDA, because the implication behind doing so is that interest, taxes, depreciation, and amortization are not real expenses and should not be considered in the decision of whether to invest.

The interest that you aren't paying because of the lower monthly payment is being tacked on to your mortgage balance until the next interest rate adjustment when your loan will reamortize based on a larger balance, not a smaller balance as should usually happen, hence the term «negative» amortization.

Now, It's hard to nail down exactly how much interest you would save over the course of a 25 year amortization, because your total mortgage is broken up into terms with different interest rates along the way.

A longer amortization provides you lower monthly payments and because of this it is appealing to many people.

Most of the examples apply to loans, because amortization generally refers to paying off a loan through regular installments (payments).

This is because the amortization period of the mortgage is usually quite long.

Knowing how amortization schedules work is extremely important, because there's lots of counterintuitive stuff that can fall out of them.

The advantages of an amortization loan is that there is much less of a credit risk and there is also much less of an interest rate risk because the loan is paid quicker so there is less effect from the interest rate.

Because of recent legislation, all Canadian home buyers must now qualify for a mortgage based on a 25 - year amortization and the posted 5 - year fixed rate — and this applies even if you opt for a longer or shorter amortization, or select a variable rather than fixed mortgage.

The amortization period is integral in the best mortgage decision because it will decide how much or how little interest you will pay during the life of the mortgage loan.

Mr. Soucie argues that the company needs to retain all of its pre-tax income because of bonding requirements, repairs, maintenance, amortization and the loss experienced in 2010.

Because car loans are paid by amortization, more interest is paid in the first half of the loan than the latter half.

Banks require full coverage of vehicles that are under amortization because the creditors have the right to take possession of these automobiles in case of default by the borrower.

Because of your age, I would look for someone who can make a down payment of 10 - 20 %, monthly payments with a 20 - 30 year amortization, and a balloon payment after 7.5 years of monthly payments.

In fact, because of its operating performance over the last couple of years, John Q. Hammons Hotels has pushed down its net debt leverage (a credit statistic that calculates debt to earnings before interest, taxes, depreciation and amortization) more rapidly than its competitors.

Mind you, this qualifying rate is nothing new because previously (effective Oct 17, 2016) all mortgage seekers who wanted Variable rate mortgages and any fix rate mortgage with less than 5 years term were being qualified with the standard mortgage rate of 4.64 % with 25 years amortization.