Sentences with phrase «increased availability of credit»

The increased availability of credit to lower income borrowers and the sharp rise in housing values contributed to the rise of consumption as a share of GDP and the decline of the personal saving rate3 (Chart 7).

First, they create new liquidity in the banking system, which can increase the availability of credit if the system has tightened, allowing firms and households to continue to make buying decisions and supporting economic growth.

The credit and lending communities and federal regulators should reassess the entire credit structure and look for ways to increase the availability of credit to qualified borrowers who are good credit risks.

NAR's credit policy, approved by the Board of Directors in November 2010, states that the credit and lending communities, as well as federal regulators should reassess the entire credit structure and look for ways to increase the availability of credit to qualified borrowers who are good credit risks.

The credit and lending communities and federal regulators should reassess the entire credit structure and look for ways to increase the availability of credit to qualified borrowers who are good credit risks.

On the mortgage credit side, NAR continues to work with federal regulators to find ways to increase the availability of credit, including alternative scoring methods.

The letter calls on the credit and lending industries and Federal regulators to «reassess the entire credit structure and look for ways to increase the availability of credit to qualified borrowers who are good credit risks.»

Not exact matches

Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.

Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).

Benefits — Each family / real estate investor keeps average $ 600 / mo for 2 yrs, real estate in all major metropolitans will have a traded price, increase buying power of low income high credit citizens, stimulate real estate investment by making it easier for investors to cash flow a rental property, reduce home inventory, the increase home values and liquidity provides incentive to put the $ X trillion in capital currently on the sidelines back to work and mortgage prepayments will increase capital availability.

Housing prices surged ever higher as greater credit availability increased the demand for homes by bringing a greater number of buyers into the market.

Instead of increasing or reducing the availability of credit by adding to or subtracting from the supply of Fed deposit balances, the Fed now loosens or tightens credit by controlling financial institutions» demand for such balances using a pair of new monetary control devices.

Other specific factors to have contributed to the CPI increase over the past year have been large increases in insurance and tobacco prices, much of which were tax - related, and house purchase prices, which have been partly driven by strength in housing demand attempting to avoid the GST (and accommodated by easy credit availability).

«Mortgage credit availability increased in August and has increased in eight of the last nine months.

While much of the loosening has been for jumbo loan products, the availability of conforming conventional mortgage credit has also somewhat increased...»

As constraints on the availability of credit were removed in the 1980s, there was a «catch - up» effect as firms and households increased their borrowings.

«Mortgage credit availability increased for the third consecutive month in November, driven by increased availability of conventional low down payment and streamlined refinance loan programs,» said Lynn Fisher, MBA's vice president of research and economics.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Italian immigrants are also credited with increasing the popularity and availability of tomatoes in the Northeast in the late nineteenth century, as well as the burgeoning supply of canned tomatoes imported from Italy to the United States.

This is an entirely sensible idea — I recall suggesting it myself — but it could involve requiring banks to hold more capital, which will constrain the availability and the price of credit and directly increase mortgage rates at a time that might be politically inconvenient.

One reason for the brisk delivery rates was the increased availability of relatively low interest loans and a comeback of credit access for people with imperfect credit scores.

That tailwind added to the trend of increasing volume driven by an aging national fleet, low interest rates, and improved credit availability.

«Mortgage credit availability increased in August and has increased in eight of the last nine months.

Of the component indices of the conventional MCAI, credit availability for jumbo loans increased 4.4 % while availability for conforming loans fell by 0.9 Of the component indices of the conventional MCAI, credit availability for jumbo loans increased 4.4 % while availability for conforming loans fell by 0.9 of the conventional MCAI, credit availability for jumbo loans increased 4.4 % while availability for conforming loans fell by 0.9 %.

Several factors have contributed to a tightening of credit availability for commercial real estate loans, including increased underwriting standards, increased regulation of banks by multiple federal government agencies, and higher compliance costs for lenders.

A combination of increasing mortgage delinquencies, tightening underwriting standards, decreasing credit availability and falling home prices is straining the nation's economy and financial system.

The combination of an increase in credit availability and predatory lending practices contributed to an over-issuance of loans to borrowers with the greatest potential for mortgage default and subsequent foreclosure.

COMMISSIONER ISHIMARU: And with the increased availability of this information through technology and as we've seen on the lending side by using FICO scores, if something developed for credit history that was similar to a FICO score that might be of use to employers, would that be something employers should use, could use?

LONDON (dpa - AFX)- Demand for secured lending for house purchases and the availability of secured credit to households are set to increase in the second quarter, the latest Credit Conditions Survey from the Bank of England showed Wednescredit to households are set to increase in the second quarter, the latest Credit Conditions Survey from the Bank of England showed WednesCredit Conditions Survey from the Bank of England showed Wednesday...

Freddie Mac was created by Congress in 1970 for the purpose of increasing the availability of mortgage credit for residential housing.

If you use United MileagePlus as your primary airline rewards program, it can even be worth signing up for one of their co-branded credit cards just for access to last - seat «Standard» - level award availability, even if you never spend a dollar on the card, since access to those Standard awards can increase the value of Ultimate Rewards points transferred in from Chase.

Experts credit affordability and availability for this increased popularity, but consumers also appreciate that these procedures are less invasive, generally only requiring an outpatient office appointment and a limited amount of recovery time.

Washington DC affordable housing partner Richard Price is quoted in this article about the Senate Finance Committee's hearing regarding the potential increased availability of affordable housing tax credits.

Sales Representative, Dundin Distributing2016 — Present • Contact existing customers to see if they would like to renew orders • Answer questions related to credit terms, availability, and prices • Increase cold calling by 10 percent, resulting in higher quarterly sales • Run background checks on prospective clients before agreeing to credit termsSales Representative, Gamma Industries2015 — 2016 • Negotiated terms of new contracts • Purchased products from brokerage firms and manufacturers • Identified 30 percent more potential clients than previous quarters by reviewing state business directories • Offered warranties and price quotes for new orders

• Advise staff of any changes in policy and procedures, allocate resources, plan work schedule and assign work • Train current and new staff members, conduct performance reviews and make recommendations regarding corrective actions and dismissals • Proactively assist departmental manager with scheduling for entire department for various training courses to ensure service level is met • Create and distribute various reports to staff and peers Collector III (September 2007 to present) • Assisted non prime borrowers in bringing their loan current using one of the variety of programs offered customized for individual financial needs • Assisted team manager with maintaining and distributing month end numbers to peers needed for individuals to achieve individual as well as team monthly goal • Proactively created and facilitated various training classes to assist peers with negotiation skills, creating a sense of urgency as well as curing past due mortgage loans • Peer coached Prime and HAD agents on negotiation skills, overcoming objections and handle time Financial Service Advisor / Relief Team Manager (March 2006 to September 2007) • Proactively contacted Card members that were deemed likely to attrite, educated them on their current terms and offered competitive balance transfer rates based on their individual credit history • Assisted with new hire training and development • Created reports assisting peers with agent availability which increased team results by 20 % • Provided feedback to marginally performing associates to improve both individual and department performance in percentage of contacts to attempts, phone availability and sales rate

A poor QRM policy that does not heed their intentions will only increase the cost and reduce the availability of mortgage credit.»

NAR believes Congress and the federal government should consider legislation and regulation aimed at improving commercial real estate markets including: (1) the creation of a U.S. covered bond market, (2) increasing the cap on credit union member business lending (MBL), (3) additional banking agency guidance related to term extensions and (4) improving credit availability

Two factors hurting credit availability are federal mortgage rules (qualified mortgage ability - to - repay rules) that took effect at the beginning of the year and increases in FHA premiums.

NAR believes Congress and the federal government should consider legislation and regulation aimed at improving commercial real estate markets including: (1) the creation of a U.S. covered bond market, (2) increasing the cap on credit union member business lending (MBL), (3) additional banking agency guidance related to term extensions and (4) improving credit availability for small businesses.

As economic conditions brighten, the availability of credit typically expands (even if its price increases) and risk aversion abates, potentially promoting investor demand for real estate assets.

What does the increased competition mean for credit spreads, loan structures and availability of capital?

«Mortgage credit availability increased in August and has increased in eight of the last nine months.

While much of the loosening has been for jumbo loan products, the availability of conforming conventional mortgage credit has also somewhat increased...»

To best ensure safer, well documented and underwritten loans without limiting the availability or increasing the costs of credit to borrowers, NAHB supports a QM safe harbor definition that would provide more assurance to lenders that they will not be subject to increased litigation if they use sound underwriting criteria.

The commenters asserted this, in turn, may mean less credit availability for consumers because increased affiliation would raise the risk of creditors exceeding the points and fees thresholds for qualified mortgages under the Bureau's 2013 ATR Final Rule, [203] and for qualified residential mortgages under a credit risk retention proposal issued by other Federal regulators.