Sentences with phrase «less on your credit rating»

Not exact matches

Less demand for credit means less upward pressure on rates, and that means that that curve can invLess demand for credit means less upward pressure on rates, and that means that that curve can invless upward pressure on rates, and that means that that curve can invert.

They might not deny you based on low or lacking credit, but you can bet they'll increase the interest rate of people who are less «credit - worthy,» charging you more for the privilege of borrowing.

Interest rates are generally a little higher than what a bank will charge, but it's much less than what you'll have to pay on many credit cards.

The lender is taking on less risk, so they will usually grant a higher credit maximum at a lower rate for secured lines.

With the potential for additional volatility and rate rises on the horizon, credit assets are less attractive at these levels.

However, if one focuses on the resulting growth of credit over the recent period or the movements in long - term interest rates, the effects are less concerning.

Borrowings under our credit facility bear interest at a per annum rate equal to, at our option, either (a) for LIBOR loans, LIBOR (but not less than 1.0 %) or (b) for ABR loans, the highest of (i) the federal funds effective rate plus 0.5 %, (ii) the prime rate, or (iii) one month LIBOR plus 1.0 %, plus a margin ranging from 3.25 % to 3.75 % for LIBOR loans and 2.25 % to 2.75 % for ABR Loans, depending on our leverage ratio and on certain factors relating to this offering.

a reduction in the rating awarded a debt or equity security; a credit agency downgrades the debt of a company, municipality, or governmental entity indicating a potential deterioration in the financial situation of the issuer and its ability to meet its obligations in full and / or on time.; a downgrade suggests investors are less certain to receive interest payments and return of capital

Borrowings under our credit facility bear interest at a per annum rate equal to, at our option, either (a) for LIBOR loans, LIBOR (but not less than 1.0 % for the term loan only) or (b) for ABR loans, the highest of (i) the federal funds effective rate plus 0.5 %, (ii) the prime rate, or (iii) one month LIBOR plus 1.0 %, plus a margin ranging from 3.25 % to 3.75 % for LIBOR loans and 2.25 % to 2.75 % for ABR Loans, depending on our leverage ratio and on certain factors relating to this offering.

In November 2013, Desert Newco refinanced the term loan, lowering the interest rates to either (a) LIBOR (not less than 1.0 %) plus 3.0 % per annum or (b) 2.0 % per annum plus the highest of (i) the federal funds rate plus 0.5 %, (ii) the prime rate, or (iii) one month LIBOR plus 1.0 %, with step - downs of up to 0.25 % depending on Desert Newco's credit ratings.

For example, investors might use the iShares iBoxx $ High Yield Corporate Bond ETF (HYG) to gain access to greater credit risk through an ETF focused on bonds rated BB and B, and the iShares iBoxx $ Investment Grade Corporate Bond ETF (LQD) to gain access to less credit risk through an ETF focused on bonds rated A and BBB.

This narrowing in the difference between the rates of growth of broad money and total credit implies that, over this period, institutions relied relatively less on funding sources that are not included in broad money.

This is one reason why borrowers with excellent credit get access to lower mortgage rates, on average, as compared to borrowers with less - than - perfect credit.

Moody's sees less China bank risk Credit rating agency Moody's has upgraded its outlook on the Chinese banking system to stable from negative.

A moderate slowdown from the surprise 7 % growth rate of the last quarter is in fact welcome, in our view, as the country rebalances its economy and downshifts to a more sustainable pace of growth that is less reliant on credit.

As long as your credit is less than stellar, you'll continue to pay relatively high interest rates on bad - credit loans.

A rating agency could downgrade the credit rating on an ARS issue, thus making the shares less liquid at an auction or outside of auction.

Companies with solid balance sheets, that have better credit ratings and less debt - to - equity than peers, can weather economic downturns, make opportunistic acquisitions, waste less of their profit on debt interest, and easily absorb unexpected problems and keep moving forward.

If you have more than one credit card balance, you may decide to make minimum payment on the card balance with less interest rate while you focus on paying off the one with higher interest rates.

Compute summary income tax liability as the common rate on income less a general credit for oneself and each dependent.

The new plan also offers a major bow to bondholders and Wall Street credit rating agencies, who might be worried that state bonds — with payments guaranteed by the state's income tax revenues — could face future payment issues if Albany is to rely less on income tax collections.

On a slightly less negative note, fourteen states and D.C. rate or plan to rate schools» achievement using a model, such as a performance index, that gives additional credit for students achieving at an «advanced» level.

The ten indicators were: 9th - grade attendance rates; rates of college readiness at the end of each grade (as measured by the number of students on track to earn a Regents diploma as opposed to a less - rigorous «local» diploma); the number of credits earned and Regents exams passed by grade 12; dropout and transfer rates; graduation rates; and rates of receiving a Regents diploma.

To the contrary, rural students consistently do less well in college on a variety of outcomes (readiness for credit - bearing courses, grades, rate of progress, graduation) than urban students from similar income groups.

In a recent editorial, the Los Angeles Times called into question the district's record - high 75 percent graduation rate, as it said that the figure was based in part on LA Unified's dependence on its less - than - rigorous online credit - recovery courses.

[22] If the total amount of debt in the project is less than $ 75 million, then the applicant must obtain only one investment - grade rating on the senior obligations and one rating on the TIFIA credit instrument from a Credit Rating Arating on the senior obligations and one rating on the TIFIA credit instrument from a Credit Rating Arating on the TIFIA credit instrument from a Credit Rating Acredit instrument from a Credit Rating ACredit Rating ARating Agency.

-» (A) IN GENERAL. - To be eligible for assistance under this chapter, a project shall satisfy applicable creditworthiness standards, which, at a minimum, shall include -» (i) a rate covenant, if applicable;» (ii) adequate coverage requirements to ensure repayment;» (iii) an investment grade rating from at least 2 rating agencies on debt senior to the Federal credit instrument; and» (iv) a rating from at least 2 rating agencies on the Federal credit instrument, subject to the condition that, with respect to clause (iii), if the total amount of the senior debt and the Federal credit instrument is less than $ 75,000,000, 1 rating agency opinion for each of the senior debt and Federal credit instrument shall be sufficient.»

Pricing will likely be somewhere north of the Model S, which starts at around $ 70,000 for the base model with the 60 kWh battery pack before tax credits, although it is possible the less powerful battery option won't be offered on the Model X given its higher weight and low take rate for it on the Model S. Expect 85 - kWh versions to start in the low 80s and move up from there.

a rating from at least 2 rating agencies on the Federal credit instrument, subject to the condition that, with respect to clause (iii), if the senior debt and Federal credit instrument is for an amount less than $ 75,000,000 or for a rural infrastructure project or intelligent transportation systems project, 1 rating agency opinion for each of the senior debt and Federal credit instrument shall be sufficient.

But credits for such things as environmentally friendly air conditioners and stop - start systems means that the actual fuel economy rating on the window sticker will be less than 54.5 mpg in nine years, and vehicles still will meet the government's mandates.

Credit card debt consolidation loans have a lesser impact on credit ratings as you are just restructuring Credit card debt consolidation loans have a lesser impact on credit ratings as you are just restructuring credit ratings as you are just restructuring terms.

A paid collections account remains on your report but does less damage to your credit rating.

If you have more than one credit card balance, you may decide to make minimum payment on the card balance with less interest rate while you focus on paying off the one with higher interest rates.

Reckless behavior with a credit card can lead to less favorable rates (or application denial) on other credit card or loans in the future.

Interest rates on personal loans are typically lower than those for personal lines of credit, because there is less uncertainty involved for the lender.

Even if you have less than perfect credit, if you have paid your bills on time for the last year, you can obtain a loan approval — as well as enjoy the same interest rate as buyers with great credit.

However, a slightly higher interest rate is much less damaging than a defaulted student loan or multiple loans showing 60 days past due on your credit report.

@reirab there may not be an explicit foreign transaction fees on some credit cards, but the card issuer is still charging the consumer a hidden fee by using a less favorable rate than what the issuer is able to convert currencies at.

A typical rate on an auto loan from a credit union is about 1.25 % less than what a bank can offer.

This new application will be prepopulated and take less than half the amount of time and we will use the same credit pull, so your offered interest rate won't change as long as the new application is submitted within 90 days of the previous application and nothing else (such as cosigner or income) changes on the application.

Furthermore, if you are looking to pay less on your student loans, and have a good credit score, consider refinancing them to a lower interest rate!

Depending on your credit and financial situation, you could qualify for an interest rate as low as two or three percent, less than half what you'd pay with many federal loans.

If an insurer assigned a consumer to a less favorable rating category for a personal insurance policy based on the use of the consumer's credit information, that consumer could request a rerating of that policy no more than once annually.

Transferring outstanding high interest rate debt from one credit card to another can be a effective way to lower you interest rate and pay less on monthly credit card bills.

When you have a high credit score, you're often granted a lower interest rate because it's far less likely you'll default on your loan.

On the other hand, military families can find exclusive rates and terms on credit cards that may make them more useful and less burdensomOn the other hand, military families can find exclusive rates and terms on credit cards that may make them more useful and less burdensomon credit cards that may make them more useful and less burdensome.

Also the thing to remember is that if you make a down payment of less than 20 percent on a loan you need to pay mortgage insurance and the interest rate will depend on your credit score, property type you are buying and the choices related to fees, points.

The effect of this rule is that a taxpayer who purchases a tax - exempt bond subsequent to its original issuance at a price less than its stated redemption price at maturity (or, if issued with OID, at a price less than its accreted value), either because interest rates have risen or the obligor's credit has declined since the bond was issued, and who thereafter recognizes gain on the disposition of such bond will have part or all of the «gain» treated as ordinary income.

Because the risk is lessened, the interest rates that you are likely to pay on a credit builder loan are much less than you would pay on a normal unsecured personal loan.

The Consumer Financial Protection Bureau imposed the fines on American Express after the company admitted discriminatory practices include charging higher interest rates, imposing stricter credit score cutoffs and providing less debt forgiveness.