Sentences with phrase «high variable rates»

Credit cards often have high variable rates and no set repayment term.

The product does not have monthly minimum payments with high fees or high variable rates like credit cards.

We'd still recommend comparing several lenders because Sallie Mae may ultimately wind up charging you a higher variable rate based on how they evaluate your credit and income histories.

Most importantly i'm able to save a lot of money refinancing a student loan that was a high variable rate to a much lower fixed rate with better terms.

While these loans often start with a reasonable interest rate, once they switch to the higher variable rate the mortgage payments increase substantially.

But aside from my current debt, I had about $ 6000 of private loans at a higher variable rate that I paid off ASAP.

Jennifer says the high variable rate isn't a concern since she doesn't often carry a balance on the card.

Where I struggle is sacrificing a locked in low rate for higher variable rate.

Not exact matches

Such rates will generally be higher than what home buyers currently pay, not only because banks now offer substantial discounts from posted rates, but also because many buyers (40 % according to a July 2011 TD Bank report) take mortgages with variable rates, which are lower than fixed rates at least 85 % of the time.

Rates are often higher than federal loans and may be variable, he said.

Sixty percent of the score for this survey from Wallethub is made of social and economic variables, and Minnesota ranks high for median earnings, unemployment rates and numbers of female - owned businesses.

To cut through all those variables and map out where property tax rates are highest, the Tax Foundation looked at effective tax rates on owner - occupied housing.

Borrower 2 saved almost $ 5,000 by going with a fixed rate on Loan B ($ 30,000 for 20 years) even though the initial interest rate was higher than what Borrower 1 secured with a variable - rate loan.

The drawback for fixed rate loans is that their interest rates are typically between 1 % and 2 % higher than variable rates to start off with.

The new interest rate can be lower or higher than the weighted average of the old loans and can be fixed (the interest rate won't ever change) or variable (the rate changes based on the market conditions).

When rates are rising interest rate risk is higher for lenders since they have foregone profits from issuing fixed - rate mortgage loans that could be earning higher interest over time in a variable rate scenario.

However, there is the risk that the variable interest rate will be much higher if the average student loan interest rate has risen significantly after the set period of time is over.

While a fixed rate loan may have a higher interest rate than a variable rate, you do not have to worry about fluctuations or changes to your payment amount.

The only variables he admits are structure - free: The federal government can indeed spend more and reduce interest rates (especially on mortgages) so that the higher mortgage debt, student debt, personal debt and corporate debt overhead can be afforded more easily.

Variable rates currently offer lower interest rate options, resulting in additional interest savings, but keep in mind — variable rate student loans are often higher risk for borrowers than fixed interest rate studenVariable rates currently offer lower interest rate options, resulting in additional interest savings, but keep in mind — variable rate student loans are often higher risk for borrowers than fixed interest rate studenvariable rate student loans are often higher risk for borrowers than fixed interest rate student loans.

The important thing to remember is, all other things being equal, a lower student loan interest rate is better than a higher one — but you need to consider all of the terms of the loan including whether the rate is fixed or variable and what your loan repayment options are to ensure you get the best overall deal.

Refinancing can save a borrower a significant amount of money over the life of a student loan, particularly if he or she has a high interest rate loan or loans, or if one or more loans has a variable interest rate.

It is important to recognize that variable interest rates may increase over time, creating a higher cost of borrowing.

ABR loans under our Cash Flow Facility bear interest at a variable rate equal to the applicable margin plus the highest of (i) 3.5 %, (ii) the prime rate, (iii) the federal funds effective rate plus 0.5 %, and (iv) the adjusted LIBOR rate plus 1.0 %.

ABR loans bear interest at a variable rate equal to the applicable margin plus the highest of (i) the prime rate, (ii) the federal funds effective rate plus 0.5 %, and (iii) the Eurodollar rate plus 1.0 %, but in any case at a minimum rate of 3.25 % per annum.

There are many reasons, including high expense ratios and variable return rates, why you should look beyond target - date funds and consider all funds available in your 401 (k).

The microeconomics behavior refers to the profit - rate maximization leads to use fewer dynamics, including the labor, even if the variable and sometimes volatile profits are high.

This widening in the gap between fixed and variable housing rates is likely to have contributed to the pick - up in the proportion of borrowers choosing to take out fixed - rate housing loans: in November 2004, the latest available data, 11 per cent of new owner - occupier housing loan approvals were at fixed rates, up from 7 per cent three months earlier and the highest share since the beginning of 2004, which followed a period of monetary policy tightening (Graph 45).

Due to the risk of benchmark rates rising to extremely high levels, most variable rates have ceilings which can help protect borrowers.

You might have to reach out to your lender to find out what the maximum variable rate is — usually it's around the maximum fixed rate or slightly higher.

On top of that, you can reduce the risk associated with a variable interest rate if the lender caps how high that rate can go.

A variable interest rate might be a good option if you can pay off your loans in a few years or less, before rates climb too high.

The Funds will hold securities with floating or variable interest rates which may decline in value if their coupon rates do not reset as high, or as quickly, as comparable market interest rates.

Fixed rates are typically a tad higher than variable rates — but they are fixed, meaning they won't go up or down over the life of your loan.

For those who plan to finish repayment over a longer period (15 - 20 years), it is less risky to choose a fixed rate loan even though the interest rate will likely be higher than a variable rate loan.

Much of this growth came from consumers buying FIAs with guaranteed living withdrawal benefits (GLWBs), some with benefit base rollups as high as 8 or 9 percent and withdrawal rates greater than those in variable annuities, the report said.

It doesn't help that 10 - year bond yields are still lower than the prospective operating earnings yield on the S&P 500 (the «Fed Model»), not only because the model is built on an omitted variables bias (see the August 22 2005 comment), but also because the model statistically underperforms a simpler rule that says «get in when stock yields are high and interest rates are falling, and get out when the reverse is true.»

Drawback: The Discover it ® Secured Card — No Annual Fee has a high interest rate (24.49 % Variable).

If you have less than two years remaining on your adjustable rate mortgage before it becomes variable, I highly recommend you refinance today or before the fixed rate ends because ARMs are tied to LIBOR rates once they are variable, and LIBOR rates have surged higher.

While the average indicator rate on large business variable - rate loans, at 8.0 per cent, is now higher than the corresponding rate for small businesses, the all - up borrowing cost to large business remains lower than for small businesses since customer risk margins for the former are, on average, finer than those for the latter.

Or, for example, you can choose a variable rate loan that can start with an interest rate of 4.49 percent for the first three months, and go higher or lower to mimic the 3 - month LIBOR rate.

Indicator rates on variable - rate housing and business loans are 50 basis points higher than at end October, having increased in line with the 25 basis point increases in the cash rate in November and December last year (Table 12).

As noted above, growth in housing lending at fixed rates has picked up appreciably in recent months, reflecting the anticipation by borrowers of higher variable interest rates.

While fixed annuities offer the opportunity to accumulate value at a fixed rate of interest, variable annuities offer investment flexibility that might generate higher rates of return, based on the performance of your underlying investments.

HOW WE CALCULATE AND DETERMINE RATES: We calculate variable rates based on the Prime Rate by using the highest U.S. Prime Rate listed in The Wall Street Journal on the last business day of the mRATES: We calculate variable rates based on the Prime Rate by using the highest U.S. Prime Rate listed in The Wall Street Journal on the last business day of the mrates based on the Prime Rate by using the highest U.S. Prime Rate listed in The Wall Street Journal on the last business day of the month.

If you payoff your debts, or at least the high and variable - rate variety, you'll be removing a large measure of uncertainty from your life.

But you can also reasonably expect a higher email volume to decrease your per - message response rate and boost your unsubscribe rate, and you'll need to edit those variables manually to see the possible results.

While rates of Britishness were high in both new and old «contact zones», other variables were less evenly distributed.

The cost is highly variable, and at least for now, Facebook's price structure rewards success: the higher the rate at which a particular ad run is clicked, the lower the cost becomes over time.

Higher altitude destinations and those with more variable temperatures were associated with lower asthma rates, whereas children living in cities with higher temperatures were less likely to have eHigher altitude destinations and those with more variable temperatures were associated with lower asthma rates, whereas children living in cities with higher temperatures were less likely to have ehigher temperatures were less likely to have eczema.