Sentences with phrase «rate by lowering your interest rate»

Benefit: Lower Interest Rate By lowering your interest rate you could save hundreds or thousands of dollars over the life of your loan.

Not exact matches

Buoyed by uncommonly low interest rates, the industry has boasted of double - digit returns; the past few years, at least anecdotally, have been especially rich.

Paired with some of the lowest interest rates on record, one might have thought these firms would have rewarded Ottawa's kindness by leading an economic turnaround.

The latest change in tone may also reflect an additional concern - that low interest rates are fostering financial instability by promoting bubbles in asset prices and stimulating excessive credit creation.

Those federal rules, which double down on restrictions adopted in 2014 and stern warnings to lenders issued by OSFI earlier this summer, require banks to qualify borrowers at higher interest rates, impose additional limits on mortgages for buyers with small down payments, and compel financial institutions to share the risk by taking out insurance policies on low - ratio mortgages.

The bond purchases, the third round of quantitative easing embarked upon by the Fed in the wake of the 2008 financial collapse and subsequent recession, have kept interest rates and bond yields low.

Enticed by low interest rates, Canadians borrowed heavily from lenders and ultimately juiced bank profits.

The first major correction, however, will likely happen in a housing market fuelled by low interest rates.

And that may be the crux: a decade of low interest rates has fuelled habitual credit reliance by consumers.

Perth continues to take out the title of Australia's most affordable capital city when it comes to buying houses and apartments, driven by lower property prices and low interest rates, a report released today has found.

By keeping interest rates artificially low, through a program called quantitative easing, the central bank tried to mitigate the negative effects of the recession by promoting investment in other asset classeBy keeping interest rates artificially low, through a program called quantitative easing, the central bank tried to mitigate the negative effects of the recession by promoting investment in other asset classeby promoting investment in other asset classes.

What is interesting about the Canadian numbers is that the participation rate began to drift lower in the late 1970s, starting at around 30 % and sliding to around 22 % by early 1997.

Last year, Poloz was guided by the numbers in front of him, not theoretical concerns about the potential damage of lower interest rates.

Over-valuation doesn't look so severe by this measure because a big component of mortgage payments — interest rates — is very low and incomes have continued to rise over the years.

Borrowers, bolstered by solid post-session performances and enticed by record - low interest rates, have begun to have an easier time securing financing.

Record - low interest rates, as set by the Fed in recent years, have squeezed bank margins.

The benchmark interest rate would be 2.5 % now instead of 0.5 %, and household debt would be lower by an amount equal to 5 % of GDP, according to Poloz's calculations.

The way for the Fed to support a return to a strong economy is by maintaining monetary accommodation, which requires low interest rates for a time.

Even though our activities are likely to result in a lower national debt over the long term, I sometimes hear the complaint that the Federal Reserve is enabling bad fiscal policy by keeping interest rates very low and thereby making it cheaper for the federal government to borrow.

It achieves that by raising or lowering its policy interest rate, which influences other interest rates such as what you'll pay on your mortgage or auto loan, and the return you'll get on the balance in your savings account.

«There is an immediate expectation that as interest rates go up, investors can find greater return on capital by investing it in lower - risk portfolios.»

By refinancing and combining loans, many times you can lower those interest rates.

But by talking instead of acting, he also runs the risk becoming another Alan Greenspan, the once infallible guru who infamously stuck to low interest rates and ignored the massive debt and housing bubble he helped create until it was too late.

Low interest rates were necessary to juice the economy during the financial crisis, but they are now, by many measures, doing more harm than good.

Australian shares were down 0.6 % after the Reserve Bank of Australia's policy board decided to cut its benchmark interest rate by 25 basis points to an all - time low of 1.50 %, as expected.

I think that we face a structural problem in monetary policy and that is when recession comes we lower interest rates by... three percentage points.

By taking your student loan debt and combining it with your other outstanding consumer debt — cedit cards, mortgages, lines of credit and loans — you have the ability to negotiate or take advantage of a lower interest rate, all while streamlining your payments to one lender and one payment per month.

Over the past few years, public pensions including California Public Employee's Retirement System (CalPERs) and California State Teacher's Retirement System (Calstrs)-- the largest in the country by assets — have posting mediocre returns due to low interest rates and growing retirement obligations.

The most important policy action for mitigating the damage of a recession is for the central bank to keep interest rates low, according to the respondents, followed by increasing spending on transportation and other infrastructure projects.

UK house prices should, however, continue to be supported by an ongoing shortage of property for sale, low levels of housebuilding, and exceptionally low interest rates.

Egged on by low interest rates and lax lending standards, they've acquired massive debt — 165 % of their disposable incomes, on average.

The strong dollar will assist this process by lowering the cost of imported machinery and equipment needed to improve productivity and by helping to keep interest rates low.

The existential threat facing automakers is compounded by investor fears that the automakers» recent boom is as short - lived as today's low interest rates and cheap gas prices.

According to Aitken, borro's rates — 2.99 to 3.99 percent in monthly interest, plus 5 to 7 percent in setup fees — are often lower than the cost associated with selling personal assets by auction.

«These types of «good debt» give far lower interest rates for people with good credit than the typical margin rates offered by brokers,» she said.

«Our «rational exuberance» rests on a combination of above - trend US and global economic growth, low albeit slowly rising interest rates, and profit growth aided by corporate tax reform likely to be adopted by early next year,» Kostin said in a report for clients.

«Pension plans since the financial crisis have been in pretty rough shape because interest rates were held down by all the — I won't call it manipulation — but all the activities by the central banks to keep interest rates low and to spread growth,» he says.

LONDON, Oct 3 - Key Euribor and Libor bank - to - bank rates hit fresh record lows on Wednesday, as the huge volume of cash pumped into the banking system by the European Central Bank and the prospect of further cuts in its interest rates extended a year - long slide.

With interest rates at historic lows, though, it's nearly impossible to eke out an income by playing it safe.

LONDON, Oct 3 (Reuters)- Key Euribor and Libor bank - to - bank rates hit fresh record lows on Wednesday, as the huge volume of cash pumped into the banking system by the European Central Bank and the prospect of further cuts in its interest rates extended a year - long slide.

LONDON, Oct 3 - Key Euribor bank - to - bank lending rates hit fresh record lows on Wednesday, as the huge volume of cash pumped into the banking system by the European Central Bank and the prospect of further cuts in its interest rates extended a year - long slide.

Alexander agrees that we'll remain in a low - interest - rate environment for at least two or three years, though he can see the Bank of Canada increasing rates by, at most, 1 % between now and 2015.

Central banks are running nothing short of a «Ponzi scheme» by printing infinite amounts of cash and cutting interest rates to record lows, an analyst told CNBC.

The MPC launched the Term Funding Scheme to make sure that the lower levels of interest rates now set by the Bank of England are reflected in the costs commercial banks charge households and companies to borrow funds.

«If there are any negative effects of low rates on net interest income in the future, they should be largely offset by the positive effects of monetary stimulus on the other main components of profitability, such as the quality of loans and therefore on loan - loss provisions,» Draghi added.

Low interest rates translate into lower profits when banks make loans, and all too often this curtailed their incentive to grant funding requests made by small business owners.

The economy may be healthy enough for them to raise interest rates, but the new 0.5 percent to 0.75 percent target for the benchmark fed funds rate, up a quarter point from where it had been, remains far below the historical norm — and, by all indications, the Fed still expects rates to stay low for at least a few more years.

In a closely - watched keynote speech at a banking conference in Frankfurt, Draghi dropped his clearest hint yet that the ECB will expand its program of asset purchases, which depresses interest rates by injecting money into the financial system, and may also push its official deposit rate even further into negative territory, from its current record low of -0.20 %.

«The public funds, at least in Pennsylvania, are structured to enable the bank to make a loan that they might not be able to make without the public debt behind them by enhancing the loan - to - value, reducing the risk to [the bank], and then passing on some benefits [to the borrower] in the form of lower interest rates, which help cash - flow issues.»

Retirees are facing problems very similar to the average pension fund: In addition to not having enough cash contributions to keep up with the costs of aging, their returns have been hurt by interest rates that have been too low for too long.