Sentences with phrase «in a lower interest rate for»

I'm very pro 5/1 and 7/1 ARMs for primary and rental properties due to the savings, ability to refinance, belief in lower interest rates for longer, and the ability to pay down the mortgage.

It might result in a lower interest rate for the new loan, based on your creditworthiness.

Although many of the loans are designed to help homeowners save money with low interest rates, homeowners who choose an ARM are only guaranteed to lock in a low interest rate for the first five years of their 30 year mortgage.

This is a rare opportunity to lock in a low interest rate for the next 30 years.

James Montier: «Even if we factor in low interest rates for the next twenty years, we're still not seeing great opportunities.

Not exact matches

Its policy of maintaining extremely low interest rates has been, in large part, responsible for fueling the current mania for housing.

In its latest Annual Report, it argued that «even if inflation does not rise, keeping interest rates too low for long could raise financial stability and macroeconomic risks further down the road, as debt continues to pile up and risk - taking in financial markets gathers steam.&raquIn its latest Annual Report, it argued that «even if inflation does not rise, keeping interest rates too low for long could raise financial stability and macroeconomic risks further down the road, as debt continues to pile up and risk - taking in financial markets gathers steam.&raquin financial markets gathers steam.»

«Despite being increasingly unaffordable for new home buyers, the current expensive housing prices are rational, and should be expected in the low interest rate environment.»

In April, Poloz said the Bank of Canada was, «decidedly neutral» on the question of whether the most likely path for interest rates was higher or lower.

Private firms like Amur have proliferated in the past few years, which is hardly a surprise, given that Canada's stubbornly low interest rates have pushed investors into alternative asset classes, and residential real estate has generated stunning returns for investors and homeowners alike.

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.

The decline is noteworthy because you'd think the stars were aligned for a boom in the construction of dream homes: the economy has been churning out jobs steadily for a year, real - estate prices are high, and interest rates are low.

There is reason to doubt that lower interest rates will close the confidence gap needed for Canadian companies to invest in growth, however, as Canadian Business columnist Kevin Carmichael wrote this morning:

A sea change in economic conditions has pushed interest rates considerably lower than they were in the past and are likely to stay there for a while, San Francisco Fed President John Williams said Friday.

But low interest rates, at least in Canada, have pushed household debt to such vertiginous levels that officials like Carney know they shouldn't be counting on consumer spending to drive the recovery — ergo, the call for more corporate investment.

Given the collapse of commodity markets was the trigger for the shock interest - rate cut in January, it is reasonable to speculate that continued weakness could prompt the central bank to lower borrowing costs a third time in 2015.

Even though our activities are likely to result in a lower national debt over the long term, I sometimes hear the complaint that the Federal Reserve is enabling bad fiscal policy by keeping interest rates very low and thereby making it cheaper for the federal government to borrow.

Interest rates have remained at unprecedented lows since the financial crisis in 2008, providing more incentive for Canadians to jump into the housing market.

Keep in mind: If you are pre-approved for the loan before you head to the dealership, you can concentrate on haggling for the lowest price for the car and highest amount for your trade - in without the added pressure of negotiating the interest rate and other details of your loan.

If the Fed is indeed putting off raising short - term interest rates — perhaps because of an economic slowdown overseas, economic turmoil in Russia, or because of lower oil prices — then that's potentially good news for the stock market.

Bond yields were a little lower, reflecting the divergent paths for benchmark interest rates in the U.S. and Canada.

So the bank is hoping customers will agree to pay off their mortgage quicker in exchange for a lower interest rate.

And especially in the case of a business or a borrower who has lower credit scores, it's usually higher interest rates and fees that compensate for the higher risk the lender is taking.

The combination of lower property prices, low interest rates and small increases in household incomes has made housing affordability in Perth the best it has been for 10 years, and the best of any mai

In his job as an activist at the Center for Popular Democracy, Barkan led a successful effort to get Fed officials thinking more about low - income Americans as they conduct monetary policy, often arguing against interest rate hikes in the face of high underemployment and weak wage growtIn his job as an activist at the Center for Popular Democracy, Barkan led a successful effort to get Fed officials thinking more about low - income Americans as they conduct monetary policy, often arguing against interest rate hikes in the face of high underemployment and weak wage growtin the face of high underemployment and weak wage growth.

While the Fed has indicated it plans to raise short - term interest rates, the uncertain domestic and global economies and the still - loosening monetary policy of central bankers in other countries suggests that rates could remain very low for a long time still.

«Do they want miles for dollars spent, or are they most interested in a low interest rate or the balance transfer option?»

Lower interest rates, the report noted, could provide some cushion for debt servicing to vulnerable firms with an interest cover between 1 and 1.75 - comprising around 15 percent of the total debt of top 500 listed borrowers in fiscal 2015.

The U.K. had been expected to follow close behind the Federal Reserve in raising interest rates for the first time in nearly a decade, but with lower commodity prices and weak wage growth still keeping a lid on inflation, economists now think that the U.K. may not raise rates till 2017 — even though new data out Wednesday showed the employment rate hit a 45 - year high of 74 % in the three months to November.

Elevated valuations, low volatility and secularly low interest rates are unlikely to be allies for robust financial market returns over the next five years,» the fund company cautioned in its report.

Looking ahead, one has to wonder if there is room for lower interest rates and what will happen to the housing market in 2016 in a flat rate environment — especially in Alberta where there are ongoing layoffs.

«Our «rational exuberance» rests on a combination of above - trend US and global economic growth, low albeit slowly rising interest rates, and profit growth aided by corporate tax reform likely to be adopted by early next year,» Kostin said in a report for clients.

«For 30 years, interest rates have been coming down, lower highs and lower lows but we're at a point now in terms of a long - term trend line where 2.6 percent represents the point where an interest rate reversal should take place.

The recent popularity of junk goes counter to multiple warnings from Wall Street experts who believe the sector is in trouble due to looming interest rate hikes and declining earnings for companies particularly at the lower end of the credit spectrum.

Fed - Up, a nonprofit group that has agitated for low interest rates and more diversity at the Fed, issued a critical press release on the news, which first appeared in Saturday's Journal.

Alexander agrees that we'll remain in a low - interest - rate environment for at least two or three years, though he can see the Bank of Canada increasing rates by, at most, 1 % between now and 2015.

While at the beginning of 2011 trading in euro - dollar futures was still foreseeing a return to typical interest rates over the next few years, that view has given way to expectations that rates will remain low for a decade to come.

German finance minister Wolfgang Schäuble has already blamed Draghi's low - interest rate policy for the rise of the populist right - wing Alternative für Deutschland, which performed well in regional polls last year at the expense of Chancellor Angela Merkel's Christian Democrats.

Record - low interest rates also have caused some big institutional investors to search for returns in the high - risk, high - reward world of venture capital.

Trump's plans to increase fiscal spending has boosted bond yields — a change that would support higher revenue for banks currently languishing in a low - interest rate environment.

Repeating a theme at the Delivering Alpha conference, Singer faulted the Federal Reserve and others for creating unusual dangers that are unique in the «5,000 years - ish» history of finance due to low and negative interest rates.

Pension funds are going to be investing in a generally low interest rate environment for a while,» she said.

However, he says there's good reason to think Canada can manage the risks from debt, which he says is a natural consequence of several factors, including the combination of a strong demand for housing and the prolonged period of low interest rates maintained in recent years to stimulate the economy.

It is important to keep in mind that low for longer is stimulative, and that just because Poloz felt the need to signal that lower interest rates are a possibility, doesn't mean they are an inevitability.

Under that policy, the Federal Reserve has kept interest rates low and engaged for period of years in a campaign of aggressive bond purchases that have increased monetary supply and bolstered the stock market.

Retirees are facing problems very similar to the average pension fund: In addition to not having enough cash contributions to keep up with the costs of aging, their returns have been hurt by interest rates that have been too low for too long.

Yields in the $ 14 trillion market for U.S. government debt touched record lows in 2016, driven by years of aggressive central bank intervention in the wake of the 2008 - 2009 financial crisis to keep interest rates low to stimulate the economy.

«It is thus important to realize that in the current environment of low long - term interest rates, fiscal prudence does not require bringing the annual budget balance to zero almost immediately,» he wrote in a paper for the Bennett Jones law firm.

OTTAWA — The Bank of Canada says it will likely have to keep interest rates low for longer than it expected in the face of a surprisingly weak economy.

But inflation has remained in check, long enough to prompt central banks to keep interest rates lower for longer.