Sentences with phrase «even at high interest rates»

If that's not you, you may be better off sticking with your federal student loans, even at a higher interest rate.

-- The vast majority of people who took out their first mortgage last year borrowed less than they could afford to, as their Gross Debt Service (GDS) ratios are far below allowed maximums, even at the higher interest rates that are used to qualifying them for their mortgage.

Not exact matches

By secular reflation, we mean at least a decade in which short - and long - term interest rates stay habitually below nominal GDP growth and high grade bonds are not really bonds any more: delivering trend returns that are close to zero or even negative.

But longer maturities also lead to higher volatility, which is actually even higher at lower interest rate levels.

Achievement of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for financial services companies that borrow cash at short - term rates and lend at long - term rates), potentially higher credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.

While such a rate of expansion will clearly not be sustainable in the longer run, there is little sign at this stage that the appetite for borrowing has been restrained by the recent increases in interest rates, even though the higher debt burden of households might be expected to make them more responsive to interest rate changes.

When I bought my home a decade ago, my high credit and low debt levels meant that I still qualified for the best available interest rate at the time, even though I got an FHA loan with a small down payment.

Understand, though, that if you repay the new loan over a 15 year term, your overall cost could be higher even at a lower interest rate.

Even if you have bad credit and get a loan through Personal Loans.com, you're still looking at a rate that is going to be lower than high interest credit cards so you'll still save money on the loan.

For instance, according to ValuePenguin's analysis of savings rates, some online banks offer interest rates that are 100 times better than ones at brick - and - mortar ones — although, given today's low - interest environment, you still won't get rich on even those higher rates.

«Everything runs smoothly as long as we keep on borrowing ever more money... To keep people buying at ever higher prices requires even lower interest rates.»

One interesting feature of the synthesis of heavy elements by neutron capture at a high rate in a supernova explosion is that nuclei much heavier than lead or even uranium can be fashioned.

I was quoted an extremely high purchase price for a used car at an even higher interest rate.

That's why I hate buying cars hate buying them just once I want to purchase one without all the BULL for real because they all are full of it, including the white lady that sits behind the desk and calls the banks and gives the customer that high tail interest rates, I can't even look at her.

If you have multiple private student loans (or even a single loan at a high interest rate), student loan refinancing is your only option.

Even better, you could change to a fixed, high stock allocation (80 % stocks and 20 % TIPS at a 2 % interest rate with rebalancing) when P / E10 falls to 8.7 and increase your 30 - year Safe Withdrawal Rate to 8.rate with rebalancing) when P / E10 falls to 8.7 and increase your 30 - year Safe Withdrawal Rate to 8.Rate to 8.4 %.

Some cards also give you the opportunity to pay down existing high interest debt at a low rate or even 0 % introductory APR..

At even 1 % higher interest rates, borrowers will actually qualify for less.

If you carry a balance on your credit card with an APR at or around the average (or even as high as 29.99 %), you may be paying more in interest rate costs than is necessary.

If you have multiple private student loans (or even a single loan at a high interest rate), student loan refinancing is the only option for you.

Unfortunately that money is being directed at debt with an even higher interest rate than our mortgage at the moment so a 15 year is not an option for now.

For example, if you are trying to lower your existing interest rates on your unsecured debt or just looking to get out of debt faster, taking a personal loan even at a slightly higher rate may help improve your credit, lower your monthly payments, save on interest in the long run and even help you get out of debt faster.

Although it manages to differentiate itself from other traditional banks in its checking accounts, TD's savings interest rates aren't much better than average, even though they are higher than rates found at bigger banks.

Even for somebody in the highest tax bracket with a $ 500k house at a 5 % interest rate the tax savings only equal 26.3 % of the interest paid.

Even if you have $ 10,000 in cash lying around, a year's interest at the highest rate you mention, 0.7 %, is only $ 70.

Even at a full percentage point higher than where they are now, interest rates still would be well below long - term norms.

You can use the loan to pay off high - interest debts, purchase inventory and supplies for a small business, make home repairs and renovations, or even fund a family vacation at a much lower interest rate than you would pay if you used a credit card.

Unsecured credit cards targeted at those with truly bad credit tend to charge, in addition to high interest rates, high annual fees and even fees just for applying such as processing fees.

Even, if you are able to obtain any private loan, it will be at a high rate of interest.

Introductory offers have a temporary interest rate that expires at the end of the introductory period and interest on most credit cards is between 10.99 % and 29.99 %, which is considerably higher than even the highest interest rates on student loans.

For example, if you have a nest egg, even a small one, you'll often be able to earn a higher interest rate on an account that you can commit to keeping a certain amount of money in, so it makes sense to investigate your account and interest - rate options at various banks.

Household debt in Canada is at record highs and with probable increases in interest rates in the future, many of us will be in even more dire straits if rates rise significantly.

When your mortgage term is up, you will probably face a higher interest rate at renewal, even if you have a fixed - rate mortgage.

And at an interest rate that could be as high as 20 percent, even small purchases add up.

The benefit of staggering your long - term bond purchase is that even though all your bonds will mature during the same period, as you are purchasing the bonds at different periods, you will be able to get around the times when interest rates are high and bond values and low and buy bonds when there are no risks.

Conversely, the lower the score, the less likely it is that you'll be extended credit, and even if you do qualify, you'll likely be looking at very high interest rates.

Even, if any lender considers your application at all, you may be charged a very high interest rate.

But on the flip side, U.S. credit card debt is at an all - time high and what's even worse is that credit card interest rates are expected to increase in 2018.

Even if you are paying off a variable - rate credit card in a period of decreasing interest rates, at least you know that you won't lose money (the return will never be negative), and the return is likely going to be higher than any return you'd get from a reasonably conservative investment.

At present there is little need to be paying high rates of interest even for those people with a poor credit score that is a calculation based upon personal credit history.

If you are feeling overwhelmed by credit card, medical, auto loan, student loan, or even multiple mortgage payments, you can use the equity you've accrued in your home to consolidate these higher - interest debts into a new mortgage at a lower interest rate.

Even with higher interest rates, it turns out to be a better deal to build equity at similar monthly prices.

The higher asset values support even more debt that is unsustainable at higher interest rates.

On the other hand, you can pay discounted fees, reduced fees, or even no fees at all — but understand that this comes at the expense of a higher interest rate.

Most cards nowadays don't have an annual fee unless they offer big rewards or are designed for people with less - than - good credit, but make sure to make at least the minimum monthly payment on time, or you may be slapped with a late fee and a higher interest rate — and you might even see your credit score suffer.

That's because your credit score is considered to be a «report card» of sorts — and based on this information, it is a key determinant about whether you'll get a high or low interest rate from the lender or creditor... or even if you qualify for credit at all.

So both of those factors, lower interest rates today, and the fact that people are living longer, really strengthen the case for at least the higher earner in a couple to delay Social Security to age 70, the probability that they'll live beyond that break - even age, to make it a good idea, it's well above 50 %.

Ralph DiBugnara, vice president of retail sales at Residential Home Funding in White Plains, New York, said that a cash - out refinance is a good way for homeowners to get rid of credit - card debt that comes with high interest rates, even if these same owners won't be able to deduct the interest they pay on their refinance because they're not using the money for home improvements.

Even if they somehow manage to secure a loan, they end up repaying the loan with at a higher interest rate, which further worsens their financial standings.

Rising mortgage interest rates pose affordability problems for all home buyers, but current homeowners looking to buy a new home are in a uniquely challenging situation: At higher rates, monthly payments on even a similarly - valued home will go up, to say nothing of a more expensive home.