Sentences with phrase «by guaranteeing a portion»

The FHA does that by assisting mortgage lenders in making loans by guaranteeing a portion of the balance.

However, the VA «stands behind» the loan by guaranteeing a portion of it.

Not exact matches

By the end of January, the Italian government managed to strike a deal with the European Commission (EC), which allowed the country's lenders to offload their poor - quality debt to private investors, along with a government guarantee to protect buyers of bad loans — but which would cover only the safest portions of the loans.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

These portions of the budget are decided behind closed doors by a select group of politicians, with no oversight, public input or guarantee that New Yorkers, not state legislators, derive benefit from the distribution of this money.

This local law, enacted for either one - or two - year terms by the Erie County Legislature, dedicated a portion of Erie County's real property tax for Library purposes and guaranteed that funds appropriated by the Legislature could not be re-appropriated to cover mid-year shortfalls elsewhere in the Erie County budget.

(ii) within such period as may be specified in the guarantee or related agreements, the Secretary shall pay to the holder of the guarantee, to the extent provided under subsection (a)(2), the unpaid interest on, and unpaid principal of the portion of guaranteed portion of the mortgage with respect to which the borrower has defaulted, unless the Secretary finds that there was no default by the borrower in the payment of interest or principal or that the default has been remedied.

-- The Secretary may not guarantee any eligible mortgage under this section unless the mortgagor has demonstrated, in accordance with such requirements as the Secretary shall establish, the amount of savings attributable to incorporation of the sustainable building elements to be financed with the green portion of the mortgage, as measured by the National Green Building Standard for all residential construction developed by the National Association of Home Builders and the U.S. Green Building Council, and approved by the American National Standards Institute, as updated and in effect at the time of such demonstration.

In doing so, Brown would fund schools by about $ 600 million more than the guaranteed minimum under Proposition 98, which determines the portion of the General Fund that goes to K - 12 schools and community colleges.

Loan guarantees provide full - faith - and - credit guarantees by the Federal Government of a portion of project loans made by institutional investors.

Some of these loans are direct loans from the USDA itself, and other loans are made by third - party lenders with a portion of the loan guaranteed by the department (similar to an SBA loan).

Most loans from the SBA are not made directly by the SBA, but are made through an intermediary lender, such as a bank or credit union, with a portion of the loan amount guaranteed by the SBA (typically up to 75 % or 85 % of the loan amount).

Depending on the type of annuity, this is done by guaranteeing a minimum annual return or minimum level of income, regardless of market performance, or by cushioning the account value from a portion of market declines.

A portion of your premium will be applied to the policy's cash value and grow at a minimum rate guaranteed by the issuing insurance company.

For life insurance policies that pay death benefits in the form of a lifetime payout, the portion of the payout that is not subject to tax if the policy has no refund provision or stated time period guarantee which is determined by dividing the amount of the death benefit by the life expectancy of the beneficiary.

Lenders will generally employ more lenient credit standards for VA loan applicants, since a portion of every VA loan is guaranteed by the government.

VA Home Loans are provided by private lenders, with VA guaranteeing a portion of the loan, enabling the lender to provide you with more favorable terms.

But if after drawing up a retirement budget you find that Social Security plus any pension income falls short of covering essentials, you may want to consider filling that gap by converting a portion of your savings to guaranteed lifetime income via an annuity.

i) A major portion bank liabilities were already guaranteed by the state and / or in Ireland bank debt is ranked equally with bank deposits so if you burned bondholders you'd also have to burn depositors equally.

To encourage banks to offer funding to more businesses, the SBA guarantees a portion of qualifying loans made by banks or credit unions under a number of government - subsidized programs.

A portion of the loan is guaranteed by the USDA.

Loans from those programs do not come from the SBA directly; rather, the Administration guarantees a portion of each loan made by nonprofit and community partners across the country.

Through this program veterans can purchase a home with no money down and have an easier time getting a loan because a portion of the mortgage is guaranteed by the VA..

Insurance Mortgage Loans: Loans of between 81 % and 95 % of the appraised value or purchase price, whichever is less, on improved real estate supplemented by guarantee of a private mortgage insurance company for that portion of the loan which exceeds the Bank's conventional loan - to - value ratio.

Portions of MBIA Corp.'s investment portfolio, as well as the investments held in relation to our asset management businesses, are insured by other monoline financial guarantee insurance companies.

BND can participate in a SBA guaranteed loan by purchasing the guaranteed portion of the promissory note.

A portion of each loan is guaranteed by the VA to protect the lender's investment if the borrower defaults.

-- The Secretary may not guarantee any eligible mortgage under this section unless the mortgagor has demonstrated, in accordance with such requirements as the Secretary shall establish, the amount of savings attributable to incorporation of the sustainable building elements to be financed with the green portion of the mortgage, as measured by the National Green Building Standard for all residential construction developed by the National Association of Home Builders and the U.S. Green Building Council, and approved by the American National Standards Institute, as updated and in effect at the time of such demonstration.

Most firms now either withhold some portion of a partner's earnings, allowing the partner to fund his or her capital contribution over some definite time period, or the partner is obligated to borrow money from a bank or other source for the full amount, with repayment of the loan guaranteed by the partner or the firm.

If the market performs better than the minimal guaranteed amount of investment, you may reap the rewards by benefitting from some portion of the gains, which may be capped at a certain percentage.

The cash value builds by deferring a portion of your premiums, and depending on the type of coverage you buy, is invested in securities or grows at a fixed rate guaranteed by the insurance company.

The universal and indexed universal are considered fixed, meaning there are some levels of guaranteed minimum interest, but the indexed has extra growth potential by tying portions of the cash value to market indices.

On the other hand, the Variable policy, which also sports the 10 year guarantee, is aimed at cash accumulation by investing a portion of the policy proceeds into stocks and bonds.

Policyholders of «With Profit» Traditional Endowment Policies are entitled to receive a portion of the profits / dividends as declared by the insurance company in the form of a bonus or guaranteed.

In one deal, he says, the prospective buyer was deemed not creditworthy by the lender, so Ritter convinced the seller to guarantee a portion of the loan.

Our low income properties are typically rented to Section 8 tenants, where a significant portion of the rent is guaranteed by the government.

VA Home Loans are provided by private lenders, such as banks and mortgage companies; however, the VA guarantees a portion of the loan, enabling the lender to provide more favorable terms.