Sentences with phrase «favorable loan to value»

Again, time will tell on this, but I am cautiously optimistic that the favorable loan to value ratios will protect the portfolio even when the real estate market turns south.

Time will tell on this, but I am cautiously optimistic that the favorable loan to value ratios will protect the portfolio even when the real estate market turns south (which is guaranteed to happen at some point in the future).

Not exact matches

Another option is to borrow from a local bank using your cash value as collateral that might provide more favorable terms on your loan, increasing your potential for positive arbitrage.

In addition, loans can be taken with minimal costs and no penalties at any time (in favorable policies) AND regardless of loans the policy will continue to grow on the full cash value in a properly structured self banking policy.

A substantial down payment makes your loan - to - value ratio on the car more favorable for the lender, and reduces the amount you need to borrow.

However, this «non-forfeiture value» of a life insurance policy has an important secondary benefit as well — it gives an insurance company the means to provide policyowners a personal loan at favorable interest rates, because the cash value provides collateral for the loan.

One of the virtues of cash value life insurance is that insurance companies are willing to make loans against the policy at relatively favorable interest rates, because the insurance company knows that it can always foreclose on the policy (i.e., force its surrender) as collateral to repay the loan.

The fact that the life insurance company has possession and controls that policy cash value allows the company to be confident that it will be paid back, and as a result commonly offers life insurance policy loans at a rather favorable rate (at least compared to unsecured personal loan alternatives like borrowing from the bank, via a credit card, or through a peer - to - peer loan).

Agents get you to think about retirement bucks and bucks to borrow and infinite banking (which requires consistently large cash value accumulation and favorable loan structures) and suddenly you are not talking about life insurance, but a road paved with gold that you can buy at well below the market rate.

Many companies allow existing policyowners to exchange their existing low loan rate policies for new adjustable loan rate policies with favorable terms or conditions such as enhanced cash value schedules, higher face amounts, a higher dividend classification, and lower than normal upfront exchange fees.

Borrowers seeking modest loan - to - value loans were able to find even more favorable pricing with rates below 5 %.

While interest rates and loan - to - value ratios are currently favorable, there is a very real possibility that the real estate market could turn in a negative way, causing a wave of REO product to come back to the market.

However, a conservative shift among the debt community is aimed primarily at non-investment grade tenants, who have been forced to accept finance terms at 70 % to 75 % loan - to - value vs. a more favorable 90 % loan - to - value ratio not so long ago.