Sentences with phrase «less equity»

Borrowers with less equity in their homes are seen as bigger risks, meaning that they'll pay higher interest rates and insurance costs.

In addition, home owners with less equity in their homes will have a more difficult time refinancing their mortgage.

With a down payment of 5 % or less, you should expect to pay a higher rate as you are starting with less equity as collateral.

But here again, you'll be paying closing costs to get that new loan — and you'll have less equity coming your way when you eventually sell the property.

Besides, it could actually be more expensive to rent, or to buy another house when you may have less equity after the marital property is divided to put into a new home.

And with less equity available and credit still tight, households are finding it more difficult to get financing for projects.

They ended up with less equity in their homes but more cash.

To make this very long story very short, target date models are just a mix of asset classes that hold more fixed income securities and less equities as time goes on.

So while your monthly payment may not change for the term of your mortgage (i.e. 5 years), you're putting less equity into your home and it will take longer to pay off your mortgage.

Retail property owners and developers like mezzanine financing because it allows them to put less equity into a project.

The BCHP seems to work in direct opposition to the CMHC's efforts, as it encourages first time home buyers, who are necessarily applying for high - ratio mortgages, to put even less equity in their homes at the time of purchase, leaving them more vulnerable to interest rate increases.

So, from a competitiveness standpoint, when the stock price is high, you can grant less equity (i.e., shares or options) in order to provide a given value of pay.

I have very much the same approach, but a) I am older, b) I am a bit more risk averse and, consequently, c) have less equity exposure.

In countless unique business situations, our team has been able to solve complex situations by listening and going beyond the numbers to build capital solutions that may require less equity and lead to a better return.

Of course, if you say it's not about the money, you could prove it's not about the money: You could forgo that raise, give back that bonus, take less equity or profit.

and I've always wanted to be in control of my own portfolio so this is perfect, and definitely a lot cheaper than Personal Capital which I thought was already revolutionary when it first came out though with less equity options but still out of my league.

Contents include: an «Introduction» by Milli Pierce; «The Limits of Change» by Richard F. Elmore; «The Six Principles of Effective Accountability» by Douglas B. Reeves; «The Challenge of a Changing Nation» by Marcelo M. Suárez - Orozco, with responses from Harold L. Hodgkinson and Robert J. Murphy; «Does More Choice Mean Less Equity?»

The results also reveal that in particular scenarios where the equity risk premium is depressed, the optimal glide path includes less equity overall.

He could have tried a more modest solution of expediting bankruptcy processes, because the most pressing need for the economy is to turn bad debts into lesser equity stakes, so that the debt overhang can clear.

These funds change the allocation over time, becoming more conservative (i.e. less equity, more bonds) to reduce the risk of an investor losing a large percentage of their net worth just before needing to start withdrawing money from the fund.

If you do refinance but can't afford the new repayments, you may end up being forced to sell anyway - and there will be less equity left to repay your debts and make a new start.

This data indicates that SUNE received far less equity investment than it had projected, and / or the cost of long term debt was far more expensive than their expectations (lowering the principal amount of the non-recourse loan), so SUNE was forced to provide the balance of investment (more project debt) with its own funds.

«We believe having a mix of fully - owned and investor - owned mining rigs will allow us to appreciably expand our cryptocurrency footprint with less equity dilution.

Using mezz also gives property owners more control over their real estate — less equity translates into fewer business partners, if any at all, with whom to share profits.

Unfortunately, they ended up with less equity which would come back to bite some people when home prices tanked after the bubble burst.

When the majority of monthly payments are applied to interest, less goes to principal, meaning you gain less equity in the first years of your mortgage until reaching the crossover point where more is applied to principal and less to interest.

# 2 minus # 1 is more or less the equity coverage / cushion you have in your investment (assuming 1st position and no junior liens).

High - ratio Mortgage - A mortgage that exceeds 75 percent of the loan - to - value ratio; must be insured by either the Canada Mortgage and Housing Corporation (CMHC) or a private insurer to protect the lender against default by the borrower who has less equity invested in the property.

If prices were to shift downwards the home owner would now have even less equity in the home so it is prudent to be cautious when valuing a home especially in a shifting market.

The solution is not just to grant less equity, as Mr. Marshall suggests; that might not satisfy the need for competitiveness.

Non-linked means that it is not «unit linked» and there is less equity exposure than a «Unit Linked» plan or ULIP.

On the one hand, this will lead to less equity in our current home, meaning a smaller down payment on our retirement home — which will lead to larger payments at the outset of retirement.

In most cases, a person can get a loan on a second home they plan to occupy much quicker with less equity required than home loan on a property they plan to rent out to other people.

Thanks to heated competition among firms, many businesses find that they can negotiate more favorable terms and give away less equity, says Howard Ross, managing partner of Philadelphia private equity firm LLR Partners.

You may have less equity than expected, and sure, cheap houses in Florida went down by the same percentage also, but on a much smaller initial amount.

The higher a valuation you can convincingly give your company, the less equity you'll have to pay for the cash you need to get the company off the ground.

So, the more debt a company has, the less equity it has; and the less equity a company has, the higher its ROE ratio will be.

If the FHA loan limit were lowered many borrowers who bought high and now have less equity would not have such an opportunity.

If you get a HELOC for $ 50,000, you will have less equity in the home, but the home will still appreciate at the same rate regardless of the amount of equity you have.

«We could have bought a less expensive home in Halifax that gave us less equity and more money,» says Phil.

Interest paid goes rapidly up the less equity you have (as people without captal are more likely to default).

The demand for higher returns and more commercial paper caused the industry to underwrite riskier loans with higher loan to values and less equity than conventional or community banks requirements.

Borrowers with less equity are statistically more likely to default on the loan repayment.

This serves as insurance to a lender against a default, since borrowers who put less down (or have less equity) are a higher risk to the lender.