Sentences with phrase «commercial interest rates»

It has to be insured by the CMHC and you also need to charge commercial interest rates so your returns will be limited to 3 - 4 %.

They are used to peg other consumer and commercial interest rates, such as the rates on mortgages, credit cards and loans.

Glaser's wife, Karen Hinton — whose name also appears on the mortgage paperwork — said the couple did not require the second mortgage for the purchase of the home in 2012, which they bought with a 30 - year mortgage with 20 percent down and standard commercial interest rates.

Thus an interest free loan of $ 10K with commercial interest rate of 1 % (for easy math) would be counted as a gift of $ 10,100 for that calendar year.

Not exact matches

Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.

«As interest rates begin to rise over time, financial institutions will find it necessary to pass along their increased costs in the overall cost of credit to small business and commercial customers.»

For investors, the potentially high rates of return, compared with commercial loan rates running about 5 percent to 7 percent, have spurred interest despite crude prices under $ 50 a barrel.

SecondMarket is the largest centralized marketplace and auction platform for illiquid assets, such as asset - backed securities, auction - rate securities, bankruptcy claims, collateralized debt obligations, limited partnership interests, private company stock, residential and commercial mortgage - backed securities, restricted securities and block trades in public companies, and whole loans.

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

In general, the historical evidence suggests that rising interest rates is overall a positive for expansion of commercial and industrial credit.

More credit unions are offering business loans, and their interest rates and fees are often lower than at commercial banks.

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.

According to a recent Morgan Stanley Research report, U.S. commercial real - estate pricing in 2017 could drop by as much as 10 %, year over year, amid slowing revenue growth, rising interest rates and tightening lending conditions.

Meanwhile, over in Europe, many of the commercial banks themselves are outright insolvent and have had to resort to cash and withdrawal controls to trap their depositors» funds in a failing system underpinned by negative interest rates.

Posted by Arun DuBois under asset backed commercial paper, banks, federal budget, interest rates, monetary policy.

Conduit loans normally have lower interest rates when compared to traditional commercial mortgages, and most have fixed interest rates.

And it lowered its deposit rate — the interest commercial banks receive for their holdings at the E.C.B. — to minus 0.4 percent, from minus 0.3 percent.

My opinion is that a low interest rate has highly favored asset investment over business and job investment, contributing to a job market where there's been a sluggish and fairly unglamorous recovery, while helping along commercial and residential real estate markets much more quickly.

Posted by Arun DuBois under asset backed commercial paper, banks, economic crisis, financial markets, global crisis, interest rates.

Depending upon the lender, the loan purpose, and the loan amount, a commercial bank loan will likely include a lower interest rate and come with a longer term than other loan types.

This makes it important to weigh the value of access verses a lower interest rate in some circumstances — this is true even for very creditworthy borrowers who would otherwise qualify for a traditional commercial loan at the bank but their loan purpose doesn't give them the luxury of time required to wait for a traditional bank loan.

The KraneShares E Fund China Commercial Paper ETF is subject to interest rate risk, which is the chance that bonds will decline in value as interest rates rise.

An earlier version of this article misstated when the European Central Bank began using negative interest rates on commercial banks» deposits.

As a further stimulus step, the European Central Bank also said on Thursday that it was cutting the interest rate it charges on loans to commercial banks, as long as the banks commit to lending that money to companies or individuals.

A private lender provides half the loan at market rate and the City provides the rest, up to $ 50,000 at 2 percent interest (up to $ 75,000 in designated neighborhood commercial districts).

The Federal Reserve collects information on the current interest rates of credit card plans issued to American consumers by all commercial banks - this includes data from non-reward and retail credit card accounts.

The central bank's negative interest - rate policy - which effectively charges commercial lenders for deposits - has also increased pressure on lenders to put money to work, prompting Japan's roughly 100 regional banks to raise efficiency or merge.

Alternative commercial financing gives both lenders and business owners greater agency to discuss how payments will be made, where the money is going within the business once it is acquired, interest rates, and anything else that needs to be included in the deal.

Yet, even with all increasing red flags that suggest that assets held within the global banking system could be devalued, frozen, or seized, or all of the aforementioned, including warnings of possible negative interest rates applied to commercial and corporate bank accounts in the near future from big global banks like the Royal Bank of Scotland, most of us go about our daily lives without giving a second thought about taking preventive actions to prevent such mind - blowing and negatively impacting life - changing events from happening.

A commercial lender that offers short - term loans will charge higher interest rates, but it's more likely to approve and fund a loan quickly.

The OCC's findings are consistent with more recent surveys: The Fed's October survey of senior U.S. loan officers found a growing number loosening standards for commercial and industrial loans, often by narrowing the spread between the interest rate on the loan and the cost of funds to the bank.

When Newmark Knight Frank's December IPO disappointed at $ 14 a share rather than the firm's anticipated $ 19 to $ 22, for example, analysts blamed investor fears that rising interest rates would harm the commercial real estate market.

One bank has introduced a small business loan secured by commercial property, reducing the interest rate at which such a loan would previously have been available from this bank, while another introduced a «basic» residentially secured term loan for small business at 6.35 per cent, 40 basis points lower than that bank's standard residentially secured term loan.

Despite the difficulties endured during the era of post-Lehman austerity, commercial and private - sector debt levels are low: Nonperforming loans are below 5 % and the banking system, unlike those of Poland or Hungary, did not have to tackle the fallout from high levels of foreign currency loans, because low interest rates and a stable Czech koruna meant these weren't taken up in large quantities.

A commercial mortgage uses the property being financed as collateral, allowing these loans to have low interest rates.

They offer updated info on monetary supply, commodity prices, interest rates, values of various securities, commercial paper, federal funds futures markets, and other informative topics.

The Fed has made several 0.25 % increases in its targeted interest rates, but the main effect of these rate hikes is to increase the amount of money the Fed pays to the commercial banks in the form of interest on reserves (IOR).

The People's Bank of China has lowered interest rates that it charges commercial lenders on a special short - term lending tool, known as the standing lending facility, two people with direct knowledge of the matter told The Wall Street Journal.

These include cash deposits, certificates of deposit, fixed and floating rate cash bonds, commercial paper, short - term interest rate derivatives and illiquid assets across major currencies.

Richard: Great insight as always, and last time we talked about the commercial real estate bubble and we thought today we'd do a special focus on the millennial generation and how financial repression through repressed interest rates and quantitative easing has resulted in asset bubbles that ultimately have affected the millennial generation in terms of their values, how they look at the economy and life and the way they're conducting themselves in the economy: what they're facing in terms of the housing market and the job situation.

Last time we talked about the commercial real estate bubble and we thought today we'd do a special focus on the millennial generation and how financial repression through repressed interest rates and quantitative easing has resulted in asset bubbles that ultimately have affected the millennial generation in terms of their values, how they look at the economy and life and the way they're conducting themselves in the economy: what they're facing in terms of the housing market and the job situation.

Commercial banks charge interest rates on loans and other products that consumers, companies, and large - scale institutions need.

Therefore, all Governments should legislate to prevent commercial interests from damaging breastfeeding rates and the health of their population.

Multiplied across populations and involving multinational commercial interests, this situation has catastrophic consequences on breastfeeding rates and the health of subsequent generations.»

While Fayemi opted for a capital market bond, with low interest rate and a well structured repayment plans, Fayose opted for commercial bank loans with its huge interest rate.

A loophole in electoral law in the United Kingdom means that although anyone donating even small sums of money to a political party has to declare this as a matter of public record, those loaning money at commercial rates of interest did not have to make a public declaration.

There have also been questions as to why Lord Levy asked wealthy backers not to donate money to the party, which would have had to be made public, but instead provide a loan which, as long as it was at a commercial rate of interest, could be kept private.

-- «Fed Announces Long - Awaited Rate Hike With More Increases Ahead,» by Commercial Observer's Danielle Balbi: «The Federal Reserve announced a 0.25 percent interest rate hike today, marking the first rate hike of 2016 and signaling more aggressive rate hikes in the year to cRate Hike With More Increases Ahead,» by Commercial Observer's Danielle Balbi: «The Federal Reserve announced a 0.25 percent interest rate hike today, marking the first rate hike of 2016 and signaling more aggressive rate hikes in the year to crate hike today, marking the first rate hike of 2016 and signaling more aggressive rate hikes in the year to crate hike of 2016 and signaling more aggressive rate hikes in the year to crate hikes in the year to come.

President of the Senate, Bukola Saraki, has criticised commercial banks for the high interest rates they charge on loan facilities to Small and Medium Scale Enterprises.

By good financial management and fiscal prudence, and by removing uncertainties about our commitment to build a better economy, our goal is to signal downward trends in inflationary expectations, and encourage downward trends in the monetary policy rate setting and interest rates pricings by commercial banks.»