Sentences with phrase «for higher ratios»

Qualified Mortgage loans will generally have to be made to borrowers who have debt - to - income ratios less than or equal to 43 percent, though a temporary exception allows Qualified Mortgage status for higher ratios if the loans are eligible for purchase by mortgage giants Fannie Mae, Freddie Mac, the Federal Housing Authority and some other government programs.

But lenders will often allow for higher ratios if other factors are OK.

Rates for a high ratio loan vary widely between lenders so it is best to use a mortgage consultant to explore the best options for you.

AWFJ commends Salem Film Fest selection committee for its high ratio of female - directed films and for helping to facilitate this award process.

In January 2011, the Canadian federal minister of finance Jim Flaherty announced changes to policies in the Canadian Mortgage and Housing Corporation (CMHC) by underwriting the regulations for high ratio mortgage insurance.

In January 2011, the Canadian federal minister of finance Jim Flaherty announced changes to policies in the Canadian Mortgage and Housing Corporation (CMHC) by underwriting the regulations for high ratio mortgage insuran...

CMHC provides housing information and assistance to consumers, mortgage default insurance for high ratio mortgages.

Available for both High Ratio & Conventional Mortgages 3.

If clients are looking for high ratio financing but are opting for the discounted 5 year closed term, clients will qualify based on the fully discounted mortgage rate.

The only issue a borrower may face — to qualify for a high ratio mortgage.

Changes by the Ministry of Finance announced in June 2012 affected the maximum amortization for high ratio mortgages, loan to values on secured lines of credit and debt servicing ratios for qualifying.

If you are qualifying for a high ratio mortgage (less than 20 % down payment), and you are looking for any mortgage term of either less than the 5 year fixed or the variable rate mortgage, you MUST qualify for the mortgage using a rate of at least 5.29 %.

FICO's scoring system, which runs from 300 to about 850, subtracts points for high ratios.

Investment properties with one to four units are not eligible for high ratio default insurance — a down payment of at least 20 % is required.

The Department of Finance introduced the qualifying rate for high ratio mortgages in 2010.

If Adam and Nicole had the full 5 % down their mortgage would be $ 391,970 net of the down payment and including $ 11,970 in insurance premiums for a high ratio purchase.

In October 2016 the Federal Government announced some significant changes to mortgage rules for high ratio borrowers.

«The changes to CMHC's low - ratio insurance align this product with our objective to help Canadians meet their housing needs as well as government parameters for high ratio mortgage loan insurance,» says the agency.

Not exact matches

This sweet, rich oil was shown to do some pretty nifty things for abdominally obese women in a 2009 study out of Brazil, including decreasing their waist circumference, increasing beneficial HDL (high - density lipoprotein) cholesterol and improving the ratio of «bad» LDL (low - density lipoprotein) to «good» HDL cholesterol.

Right now, for the S&P 500, that ratio stands at more than 29, its highest valuation since 2002 and well above its historical norms.

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.

For example, Warren Buffett makes just twice as much as the median employee at Berkshire Hathaway, while CEO of toymaker Mattel has the highest ratio so far at nearly 5,000:1.

Higher taxes on top earners or increased corporate tax rates for firms with very high CEO - to - worker compensation ratios could rein in executive pay without adversely affecting workers or the economy, the report suggests.

For instance, if a firm believes that publishing high CEO pay to worker pay ratio would be embarrassing, that may encourage firms simply to outsource low - paid jobs to contractors.

(Free cash flow on a per share basis is up 2 % year - over-year and stands at a strong $ 559 million for the quarter, despite a very high debt ratio of about 78 %.)

Ice Cream giant Ben and Jerry's had been living on the public relations of setting their wage ratio for the highest - paid employee to the lowest to 5:1 — which they did until 1990.

While there are many credit cards that offer rewards, Chase Sapphire Preferred is often recommended for high points - to - spend ratio.

If you'll look for the next 5 Top social authority twitter users ranking high for content marketing you'd get the same ratios (with a few exceptions of course).

These changing material ratios — what the industry calls an «evolving ton» — have led to higher processing costs for recyclers, as they have to push much larger volumes of waste through their facilities to yield each one - ton bale of raw material.

«I would argue that the good companies that trade at expensive multiples are better quality companies and deserve a higher multiple,» she says, pointing to the example of retailer Dollarama Inc. (TSX: DOL), which trades at 28.8 times current - year earnings — seemingly rich even for its sector — with an enterprise value - to - EBITDA ratio of 19.8.

For instance, in Sweden — which had the highest ODA / GNI ratio in 2014 of 1.1 percent — those on the biggest wages pay national income tax of 25 percent and municipal income tax of around 32 percent.

Even if it is uncertain where the danger zones begin for the household - debt ratio, the briefing note to Morneau said there are «clear negative consequences» for the economy if the number gets too high or too low.

The Investors Intelligence Bull / Bear ratio has climbed to its highest level in two and a half years — which ironically may be a bad sign for stocks.

The average contract interest rate for 30 - year fixed - rate mortgages with conforming loan balances ($ 453,100 or less) increased to its highest level since April 2014, 4.50 percent, from 4.41 percent, with points increasing to 0.57 from 0.56 (including the origination fee) for 80 percent loan - to - value ratio loans.

To be eligible, first - time buyers must be pre-approved for an insured high - ratio mortgage for at least 80 per cent of the home's purchase price.

The ratio will be higher for systemically important banks.

The market's price - to - earnings ratio (based on the latest 12 months reported results) raced higher in late 2017 and through January on growth - stock leadership and enthusiasm over tax - cut - juiced profit windfalls for companies.

Here again, bull markets have tended to carry on a while — even years of fresh record highs — after the bull / ratio peaks for a cycle.

As in developed markets, if the yield is too high, or if the payout ratio doesn't leave room for reinvestment, there is a risk the dividend could get cut.

David Baris, the AABD's president and a partner at BuckleySandler, said a growing sense among potential applicants that the higher ratio was required for seven years was becoming a deal - breaker.

The Federal Reserve said the price - earnings ratios for U.S. stocks were «close to their highest levels outside of the 1990s» in its «Monetary Policy Report» released last month.

Benjamin Graham was fond of averaging profit per share for the past seven years to balance out highs and lows in the economy because, if you attempted to measure the p / e ratio without it, you'd get a situation where profits collapse a lot faster than stock prices making the price - to - earnings ratio look obscenely high when, in fact, it was low.

Industries such as software, on the other hand, allow for much higher price to cash flow ratios because they have very low capital requirements.

On the other hand, a high debt - to - equity ratio translates into higher risk for shareholders since creditors are always first in line for compensation should the company go bankrupt.

«Early in a startup's life, most customers haven't had time to consider churning, which makes the Quick Ratio artificially high — especially if the company is signing customers up for annual deals,» Mamoon explained recently to InsightSquared.

In order to qualify for a loan from Payoff, you'll need a FICO score of 640 or higher and a debt - to - income ratio of 50 % or less.

A DTI ratio of 50 % or higher is a bad sign to lenders, as it means you may have trouble paying back your debts (and thus may default on the unsecured loan you're applying for).

By the time that decade ended, price - to - earnings ratios were in the single digits — but you had little or nothing to show for buying cheap equities during the prior 15 years; and that's before accounting for very high inflation.

Compared to the broad XIC, XEG has a) a price to earnings ratio that is only slightly higher, b) a price to book ratio that is lower, c) a debt to equity ratio that is about half of XIC, d) a dividend yield that is comparable and e) profit margins that grew 30 % this year versus 18 % for XIC.

I have ignored reasons that might justify lower discount rates or higher GDP adjustments for China mainly because the purpose of this essay is to explain why the U.S. multiple is so much higher than China's, and of course these reasons exist, but I think whatever the correct ratio should be, there is no question that advanced economies always justify higher multiples than developing economies because they tend to be economically more diversified and politically more stable, and they usually have institutions, including clearer legal and regulatory frameworks, more sophisticated capital allocation processes, less rigid financial systems, and smaller state sectors (which make smooth adjustment, one of the most valuable and undervalued components of long - term growth, more likely).