Sentences with phrase «giving variable rate»

It's now been more than two years since the prime rate has increased, giving variable rate mortgage holders the upper hand on higher interest costs.

An interest - sensitive whole life insurance policy gives a variable rate on your cash value portion, similar to an adjustable rate mortgage.

Not exact matches

When it comes to refinancing your student loans, be aware of whether you're giving up fixed interest rates for variable ones.

Instead it uses historical data from 1926 - 95 to compute the probability of portolfio success given several variables (length of retirement, withdrawal rate, and stock / bond allocation).

Also, consider that refinancing gives you access to variable interest rates, which increase or decrease during your repayment according to market influences.

Lenders calculate variable rates by giving borrowers either a smaller fixed rate called a margin rate or a smaller range of set rates — usually between 2 % and 10 % — and adding it to a benchmark rate like LIBOR or the Wall Street Journal Prime Rrate called a margin rate or a smaller range of set rates — usually between 2 % and 10 % — and adding it to a benchmark rate like LIBOR or the Wall Street Journal Prime Rrate or a smaller range of set rates — usually between 2 % and 10 % — and adding it to a benchmark rate like LIBOR or the Wall Street Journal Prime Rrate like LIBOR or the Wall Street Journal Prime RateRate.

While a fixed - rate mortgage will give you a rate that never changes, an adjustable - rate mortgage will offer a rate for the initial period and then adjust to a variable rate that changes annually.

That is, given the current state of the economy, and given the objectives for policy (the inflation target and a preference for avoiding undue instability in real GDP), the model can be asked: what is the path for interest rates over the relevant horizon which will minimise the variance of the objective variables around their targets?

For example, let's say your average response rate is 1 % and you test the following variables — each giving you a slight lift in response:

With a variable rate, the lender gives you a lower rate at the beginning of your loan.

In the variable place - constant cue condition, both location and rates changed, so that population vectors for a given location in the chamber were statistically independent.

Key to the new estimate are so - called emissions factors, which are derived from the carbon content, heating value, oxidation rate, and other variables that allow carbon emissions to be calculated for the amount of a given fuel consumed.

The time from initiation to division is given by the individual cells growth rate, which is variable and is the major cause of the variation in cell sizes.

Today the available 6.2 L Small Block in the 2018 Silverado 1500 is rated at 460 lb - ft of torque, thanks to technologies including variable valve timing and direct injection, giving it the highest torque rating of any light - duty pickup V - 8 engine.

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Only a handful of lenders offer this option, which gives you variable - rate type features without committing to a long term.

A variable mortgage would give me the option to lock in a fixed rate at any time without penalty.

Because of the inherent potential of variable rates to change, you should check to see if the loan has caps or limits placed on high the rate can go during any given timeframe.

Lenders also must tell you about any variable - rate feature and give you a brochure describing the general features of home equity plans.

Interest rates are an important concept to wrap your head around if you're considering taking out or refinancing student loans, especially when given the option to choose between a fixed or variable interest rate.

The APR (Annual Percentage Rate) is an interesting variable as it gives an idea of the overall cost of your credit cards.

Should shrewd consumers opt for a variable rate, given the recent upward trend in fixed rates?

This doesn't automatically mean a rise in Canadian variable rates (particularly given that economic analysts and the Bank of Canada don't anticipate any near term changes to the overnight rate).

Both fixed - rate and variable - rate loans and mortgages often give you an interest - only payment option.

If interest rates are very high when you're taking out your loan, then a variable rate loan could give you the opportunity of paying a lower rate later on.

Don't pay attention to the rate, the rate will fluctuate based on many variables, but it's a high figure to give you an idea on total cost and monthly payment for qualification purposes, also to look at the DTI requirement for cash / debt.

historically, given that prime rate was x %, what was the probability that fixed would fare better than variable over the next finite time period?

You can check out the given page in order to get information about variable / adjustable rate mortgage: http://www.mortgagefit.com/arm.html.

A home equity line of credit (HELOC) usually features a variable interest rate, but gives you the ability to withdraw money at various times and at various amounts using a check or credit card.

Home Equity Advance, which is a variable - rate line of credit that gives you the power to write yourself a loan whenever unexpected expenses arrive during the draw period.

Lenders calculate variable rates by giving borrowers either a smaller fixed rate called a margin rate or a smaller range of set rates — usually between 2 % and 10 % — and adding it to a benchmark rate like LIBOR or the Wall Street Journal Prime Rrate called a margin rate or a smaller range of set rates — usually between 2 % and 10 % — and adding it to a benchmark rate like LIBOR or the Wall Street Journal Prime Rrate or a smaller range of set rates — usually between 2 % and 10 % — and adding it to a benchmark rate like LIBOR or the Wall Street Journal Prime Rrate like LIBOR or the Wall Street Journal Prime RateRate.

For debts, the biggest shrinker would be a 30 year fixed mortgage, while credit card debt, which carries a variable interest rate, would give up ground less slowly.

This is the highest possible amount you can end up paying if you choose a variable interest rate and gives you an idea of how much your loan could potentially cost.

Good speaking with you today... It's unfortunate your RBC rep can't give you clear answers or guidance... I think if you are selling in 3 yrs, and are not sure about whether you will buy another home, then I would take the 5 yr variable rate... or the 3 yr fixed rate... I like the Variable because your penalty is capped at 3 months interest... we also think interest rates won't go sky high in 3 yrs... it will probably go up but if you are comparing an RBC penalty of $ 4k or $ 5k, then take the Variable... Hope thatvariable rate... or the 3 yr fixed rate... I like the Variable because your penalty is capped at 3 months interest... we also think interest rates won't go sky high in 3 yrs... it will probably go up but if you are comparing an RBC penalty of $ 4k or $ 5k, then take the Variable... Hope thatVariable because your penalty is capped at 3 months interest... we also think interest rates won't go sky high in 3 yrs... it will probably go up but if you are comparing an RBC penalty of $ 4k or $ 5k, then take the Variable... Hope thatVariable... Hope that helps..

Private student loan providers typically calculate variable rates by giving borrowers a low fixed interest rate and then adding it to a baseline rate like LIBOR or the Wall Street Journal's Prime Rrate and then adding it to a baseline rate like LIBOR or the Wall Street Journal's Prime Rrate like LIBOR or the Wall Street Journal's Prime RateRate.

okay here's my two cents worth folks im up for renewal and have just nagotiated a rate 5 yr variable1.75 persent or if i want a five yr fixed at 4.49 still quite a gap between fixed and variable here i believe i have a little lee way here apparently i was only interesed in variable and five yr fixed but i made it absulutly apparent to them that when lock in from a variable i get the whosale discounted rate at that time and written into the contract i kinda believe this the way the market is heading as we head out of ressesion and the bank of canada is going to make there move i believe coming up in june and just to make this firm i do not believe the boc will raise rates in fast mode far from it will be slow process i don't care what the ecconmists are thinking we have to remember manufactering sector is reallt taking a hit on the high dollar and don't forget our niegbours to the south how dependent our canada is with them i believe it will be a slow process a lot of people heve put themselves in a debt load over these enormously low interest rates but i may be wrong i think a variable is the way to go if you want to work on that princibal at least should i say the say the short to medium term and betting that the bond markets stay put for the short to medium term - i have given enough interest to the banks maybe i can pay a little less at least fot the short to mediun term here i have not completly decided yet put i think im going variable although i wish my mtge was up a year ago that would have been just great congradulations to all that did.

This variable rate, four - tiered program gives you the ability to earn a higher return as your balance increases.

A HELOC acts more like a credit card in that you're given a credit limit and pay a variable rate on a revolving monthly balance.

Starting rates: 2.75 % (variable), 4.75 % (fixed) Figuring that student lending should be a two - way street full of choices, College Ave gives borrowers 11 different loan repayment options ranging between five to 15 years, with loan amounts between $ 5,000 to $ 250,000.

However, it is prudent for all credit card holders to be aware of their interest rates at any given time, and whether those rates are fixed or variable.

For every expert who says that absolutely, you should lock in now while rates are still low, there's another who argues just as confidently that rates are likely to stay put at least till the end of the year, and only a fool would give up a great variable.

In some cases, there is a cap on how high or low a variable interest rate can go, but card companies do not have to give you notice that the variable rate will be changing.

The deadline for the changes to take effect is July 1, 2010, although some issuers may roll out revamped statements sooner... (more) Consumers gain right to opt out of credit card rate increases — The first phase of the new Credit CARD Act of 2009 kicked in Aug. 20, lengthening notice requirements and giving consumers the right to opt out of rate increases... (more) Fixed rates shift to variable rates — Seven months in advance of the new rules that would limit an issuer's ability to alter a fixed rate account, credit cardholders are being moved to variable rate cards... (more) Credit card issuers: Sorry, new law says we can't cut your rates — Credit card issuers turn on its head the reform law that bans sudden rate increases; they say that it also forbids quick rate cuts... (more)

To my dismay, I received a letter from AES stating that my brother was given an $ 18,000 loan with a 20 year repayment term at a variable interest rate (at the time of the loan it was 18 %).

However, fixing part of your loan gives you less flexibility than a fully variable rate loan.

Many private student loan lenders will only give you the option to either variable or fixed rate loans.

Smaller percentages of survey respondents gave reasons like transferring a Parent PLUS loan from their parent's name to their name, converting a variable rate to a fixed rate, or releasing their cosigner from their loan.

Given that the U.S. economy has been in a historically low interest rate environment for the last several years and current rates have nowhere to go but up, variable interest rate loans are likely to increase significantly in cost in the coming years.

When you refinance your student loans, you will be given the opportunity to choose between a fixed or variable interest rate.

Home equity loans are available from Columbia Bank as variable - rate line of credit loans or installment loans at fixed rates, giving you flexibility in how you use your equity.