Sentences with phrase «less than the interest rate»

But if your lender instead waits to make that adjustment when repayment begins, the APR can be less than the interest rate when payments are deferred.

What's more, if the payment rate is less than the interest rate, you won't be covering the interest due.

This is significantly less than the interest rates of bonds, although stocks offer, in average, better returns, because they are more volatile and investors demand a premium in exchange for that uncertainty.

Yet because of the way the prizes are allocated, the majority of people will win much less than the interest rate anyway.

Remember, too, to be cost - effective the interest rate on the consolidation loan needs to be less than the interest rate you were paying before on the multiple loans, or the payoff time needs to be stretched out to lower monthly payments.

If the yield to maturity (YTM) is greater than the interest rate, the price will be less than par value; if the YTM is equal to the interest rate, the price will be equal to par; if the YTM is less than the interest rate, the price will be greater than par.

If the likely return on investment is less than the interest rate on the loan, you should certainly concentrate on paying off the loan.

Not exact matches

Firms in Canada's financial sector are under less pressure than their counterparts in, say, Europe or Japan, where negative interest rates are out in force.

Interest rates on 15 - year mortgage terms are typically lower than those on longer - term loans because the shorter duration of the loan makes it less of a risk to the lender.

«Gold today is nothing more or less than a commodity, and we could have a debate whether it's a commodity or a currency without an interest rate,» Watt continues.

Whether it is stricter regulations, negative interest rates, or fragile confidence, banks and other market participants are less than keen these days to hold large piles of risky assets.

The Governing Council left the benchmark interest rate unchanged at its ultra-low setting of 0.5 %, but policy makers were less than enthusiastic about the Canada's prospects.

«One specific consequence would be that even extraordinarily low policy interest rates could prove to be less stimulative than in normal circumstances,» Poloz said.

While Fink is right to point out that low interest rates are putting a large burden on those of us trying to save retirement, he does not address the fact that central banks aren't primarily responsible for the fact that bonds of all types are yielding less today than we're used to.

According to Tom Porcelli, chief U.S. economist at RBC Capital Markets, market prices imply the odds that interest rates will be higher at the end of the year are less than 50 %.

The fees can vary from less than 1 percent to a few percentage points — and interest at the prime rate to several points over prime on the balance of receivables you sell, making it steeper than most bank loans.

For SBA loans totaling less than $ 25,000, the maximum interest rate can not exceed the prime rate plus 4.25 percent for loans with a maturity of less than seven years (for loans that mature after seven years, the interest rate can be as much as the prime rate plus 4.75 percent).

That means the Fed will likely have to get more, rather than less, aggressive in its efforts to «normalize» interest rate policy.

The Fed, Wednesday's statement notwithstanding, will likely have to get more, rather than less, aggressive in its efforts to «normalize» interest rate policy.

Data from the Portuguese Finance Ministry showed that the country paid less than 300 million euros ($ 368.49 million) in interest on its sovereign debt between 2016 and 2017 due to the increasingly optimistic views from the ratings agencies.

An undergrad who borrows $ 37,000 — and that's less than the national average for 2016 graduates — and has an interest rate of 4.45 percent will pay $ 8,908 in interest over 10 years, according to NerdWallet's student loan calculator.

According to rate - tracking website Ratehub.ca, youth accounts at Tangerine, the online bank owned by Scotiabank, pays the highest interest rate for young savers at 1.2 per cent compared with typically less than one per cent at the country's big banks.

Investors are set to snap up the bonds with an interest rate of less than 3.4 %, the Financial Times reported on Thursday, or about half the rate Sprint would have had to pay if it issued the bonds without any backing.

The government beat this projection by nearly $ 1.6 billion — by taking $ 1 billion from reserve, keeping spending levels $ 600 million less than projected, and through $ 335 million of savings from lower than anticipated interest rates on government debt.

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.

This means that if you buy a home anywhere in the state other than Jefferson County, and you get a loan for $ 417,000 or less, you will have a conforming loan which is eligible for normal interest rates.

If you have less - than - stellar credit, a personal loan might be a better option, especially if you can find a fixed - rate offer with a lower interest rate than what your credit card charges you.

For example, if you hold a bond paying 5 % interest and market rates rise to 6 %, investors would need to pay less for your bond to be compensated for the lower than market rate.

That's about $ 4,000 in annual mortgage interest at today's low rates, and far less than their standard deduction as a married couple.

Because most wealthy Chinese seem to think about RMB in terms of USD or Hong Kong dollars, it is the fear that any depreciation of the RMB against those two currencies (the Hong Kong dollar is pegged to the USD through a modified currency board) greater than the couple of percentage points interest rate differential would yield less than equivalent USD or Hong Kong dollar bonds.

Ryan Avent pointed out that even if we enacted Trump's massive tax cuts and spending increaes, adding $ 34 trillion in new debt over the next two decades, our ratio of debt to GDP two decades from now would still be 30 percentage points less than Japan's government debt ratio is right now... and the market is still buying their negative interest rate long term debt...

Equity loan: These are also less expensive than getting a cash - out refinance — often with lenders offering a free appraisal — and come with a fixed interest rate, unlike HELOCs.

And, a borrower with this credit score should expect to have less options than a higher score and pay a high interest rate.

Since changes in interest rates impact bond funds differently than bonds and CDs, estimates of price sensitivity may be less accurate the larger the shift in interest rates.

Although bonds generally present less short - term risk and volatility than stocks, bonds do contain interest rate risk (as interest rates rise, bond prices usually fall, and vice versa) and the risk of default, or the risk that an issuer will be unable to make income or principal payments.

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.

Avant's starting interest rates are over 7 % less than iLoans.

But what's interesting is that the conversion rate for organic search engine traffic is actually less than the average conversion rate across all channels and second to last overall, only ahead of social media.

The loans can have annual interest rates that are as much as 15 percent, although a person familiar with the matter told Bloomberg the interest rates on the loans are typically less than 15 percent.

Borrowings under the refinanced Term Loan bear interest at a rate equal to, at our option, 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.rate equal to, at our option, 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.Rate plus 0.5 %, (ii) the Prime Rate, or (iii) one - month LIBOR plus 1.Rate, or (iii) one - month LIBOR plus 1.0 %.

Insurers like structured VAs because these hybrid products require less capital to support than traditional VAs that come with lifetime income guarantees, which some insurance companies have found difficult to honor with interest rates still historically low.

Stock rose and the dollar fell on Friday, Sept. 2, 2016, after a key report showed the U.S. economy added slightly fewer jobs than expected in August, making it potentially less likely that the Federal Reserve will raise interest rates already this month.

The reason why valuations are so tightly correlated with 10 - 12 year returns is that extreme deviations from historical norms tend to wash out over that horizon, and because interest rate fluctuations have a much less durable impact on market valuations than investors imagine.

Mortgage Insurance can help you achieve the dream of homeownership sooner by allowing you to purchase a home with less than 20 % down payment, while paying the same competitive interest rates as buyers with a larger down payment.

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.

As of January 2013, intermediate - term real interest rates are about 4 % less than their historical average.

Currently, participants who have not taken a distribution receive interest credits at the rate equal to the 30 - year Treasury bond yield plus 0.5 % but not less than 5 %; the «interest credit» rate is adjusted annually.

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.

Borrowings under the refinanced Credit Facility bear interest at a rate equal to, at our option, either (a) LIBOR (not less than 1.0 % for the Term Loan only) plus 3.75 % per annum or (b) 2.75 % 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.rate equal to, at our option, either (a) LIBOR (not less than 1.0 % for the Term Loan only) plus 3.75 % per annum or (b) 2.75 % 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.Rate plus 0.5 %, (ii) the Prime Rate, or (iii) one - month LIBOR plus 1.Rate, or (iii) one - month LIBOR plus 1.0 %.

Argentina's central bank has hiked its interest rates by 300 basis points for a second time in less than a week, in its latest attempt to halt the peso's dramatic slide against the US dollar.