Sentences with phrase «loan terms by»

Last week's column noted that the agency's new loan estimate disclosure, though a lot better than the disclosures it replaces, will not protect borrowers from unjustified changes in loan terms by the lender as the loan process moves toward closing.

What you need to decide is whether you would get more favorable loan terms by going this route or by getting an unsecured loan somewhere else such as at credit union or local lender.

While most lenders will offer a six - month grace period after graduation, Sallie Mae borrowers can further extend their loan terms by making interest - only payments for a year, even after the expiration of the grace period.

17 We assume comparable terms to the current federal loan terms by using a fixed interest rate consolidated loan with a 7 % APR and a 15 - year amortization.

Any alteration to the closing date documented in the original purchase agreement, or to the loan amount or loan terms by, or per request of, Borrower will invalidate the guarantee.

Now the government is relaxing loan terms by wiping out interest in hopes of preserving some value for AIG.

Rounding up can shorten your loan term by two years or more, depending on your loan size and how many years remain in your term.

For example, extend the loan term by 5 years to reduce the monthly sum, and cut out unnecessary daily expenses.

You would shorten your loan term by five years and gain home equity faster.

In certain products, lenders may allow you to shorten the loan term by making over-payments and lump - sum payments.

Not exact matches

If you currently are taking advantage of such programs (for example, by teaching in low - income areas or working in nonprofits or fields such as nursing or law enforcement), consolidating your loans could affect the terms of that forgiveness.

Online lenders may offer flexible loan amounts that are more suited to the needs of startups, rather than the large, long - term loans preferred by banks these days.

In Japan, the Central Bank said Thursday morning it was keeping its rates unchanged and the People's Bank of China raised its short - term interest rate by 10 basis points on both medium - term lending facility loans and its open market operation reverse repurchase agreements.

The company refinanced its term loan to extend the maturity to 2023 and reduce the interest rate by 0.5 %.

Developmental lending as practiced by IBC involves providing financial services (primarily loans) to aboriginal people who, for a variety of cultural and / or financial reasons, are alienated by mainstream lending institutions; approving loan applications on the basis of typical financial considerations while taking into account the potential for positive social or community outcomes; and evaluating social outcomes resulting from the loan portfolio over the long term.

When unusual transfers of funds take place in either direction between you and your company, keep records that explain the transaction — whether it's a bonus that was voted upon by the board or a loan, in which case you'll want to document its terms.»

If his policy were accommodating, it might look like he feared retaliation by the bank in the form of tighter terms on those same loans.

Creamfinance works in the short term loan industry, one that has been plagued by predatory companies and outdated business practices.

China's central bank on Thursday raised interest rates for its reverse repos and medium - term lending facility (MLF) loans by 5 basis points.

With short - term interest rates going up, now's the time to trim financing costs by cutting back on adjustable - rate loans.

While rates, fees, loan terms and conditions may vary by bank, once you've set your goal, the following are a few general guidelines to help determine optimal timing for refinancing.

You can refinance expensive debt and trim thousands from your monthly budget by securing a long - term, low - rate loan like the one you should've taken in the first place.

By consolidating accounts with one financial institution, you can also negotiate more favorable loan terms.

Square Earth Inc., for example, a $ 2 - million New York City - based Web - systems developer, tried but failed to qualify for a term loan by itself.

Small Business Administration loans offer even longer terms and lower costs than traditional term loans, as they come partially guaranteed by the U.S. government.

February 10: The U.S. Fed expands the Term Asset - Backed Securities Loan Facility (TALF), which lends money to investors to buy securities backed by loans, thereby allowing banks to provide more loans.

In addition, at any time when incremental term loans are outstanding, if the aggregate amount outstanding under the Asset - Based Revolving Credit Facility exceeds the reported value of inventory owned by the borrowers and guarantors, NMG will be required to eliminate such excess within a limited period of time.

In addition, at any time when incremental term loans are outstanding, if the aggregate amount outstanding under the Asset - Based Revolving Credit Facility exceeds the reported value of inventory owned by the borrowers and guarantors, we will be required to eliminate such excess within a limited period of time.

The amendment provided for (i) an immediate reduction in the interest rate margin applicable to the loans outstanding under the Senior Secured Term Loan Facility from (a) 3.50 % to 3.00 % for LIBOR borrowings and (b) 2.50 % to 2.00 % for base rate borrowings, (ii) an immediate lowering of the LIBOR floor for loans outstanding under the Senior Secured Term Loan Facility from 1.25 % to 1.00 % and (iii) the borrowing of incremental term loans, the proceeds of which were used to repay the outstanding loans of lenders that did not consent to the repricing amendment (the Non-Consenting Lenders) in an aggregate principal amount of approximately $ 99.6 million, which is the amount of loans held by such Non-Consenting Lenders on February 8, 2Term Loan Facility from (a) 3.50 % to 3.00 % for LIBOR borrowings and (b) 2.50 % to 2.00 % for base rate borrowings, (ii) an immediate lowering of the LIBOR floor for loans outstanding under the Senior Secured Term Loan Facility from 1.25 % to 1.00 % and (iii) the borrowing of incremental term loans, the proceeds of which were used to repay the outstanding loans of lenders that did not consent to the repricing amendment (the Non-Consenting Lenders) in an aggregate principal amount of approximately $ 99.6 million, which is the amount of loans held by such Non-Consenting Lenders on February 8, 2Term Loan Facility from 1.25 % to 1.00 % and (iii) the borrowing of incremental term loans, the proceeds of which were used to repay the outstanding loans of lenders that did not consent to the repricing amendment (the Non-Consenting Lenders) in an aggregate principal amount of approximately $ 99.6 million, which is the amount of loans held by such Non-Consenting Lenders on February 8, 2term loans, the proceeds of which were used to repay the outstanding loans of lenders that did not consent to the repricing amendment (the Non-Consenting Lenders) in an aggregate principal amount of approximately $ 99.6 million, which is the amount of loans held by such Non-Consenting Lenders on February 8, 2013.

A federal consolidation loan lowers your monthly payment by extending the repayment term.

When financing a new vehicle, cut your total interest rate by choosing a shorter - term loan over a longer one.

A lender will normally require that long - term loans be secured by the assets to be purchased.

Because these were far more likely to be written down in the United States than in China, and because most economists agree that the difference is very large in GDP terms, the failure to recognize bad loans in China is by itself more than enough to invalidate any PPP adjustment.

By making timely bridge loan repayments, you might be able to boost your credit score such that you become eligible for long - term financing.

A bridge loan can finance the remedial work, and then be replaced by long - term financing on the rehabbed property.

Achievement of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for financial services companies that borrow cash at short - term rates and lend at long - term rates), potentially higher credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.

As far as excess reserves are concerned, B&K argued back in 2016 (when the IOER was a mere 0.25 %), «the only potential loans that would have been affected by the Fed's payment of interest are those with risk - adjusted short - term returns between precisely zero and one - quarter percent — surely a tiny fraction of the total.»

Rather, they apply a general lien to business assets during the loan term and require a personal guarantee (a common practice also used by many banks).

It said that the flood of cheap euro loans offered by the European Central Bank — the long - term refinancing operations — had eased the crisis this year.

Federal Funds Sold are short - term loans to other depository financial institutions without any collateral, provided by Federal Reserve banks, usually at the Federal Funds rate.

The interest rate is expressed as a percent of the total loan amount and your lender will add it to the principal to calculate the monthly payments you'll need to make to pay off the loan by the end of its term.

Fundation fills a void in the small balance commercial loan market by offering loans to businesses that banks are unwilling or unable to lend to, and those that desire a simplified process, with capital on terms that will enable them to grow.

Federal Funds Purchased are short - term loans to other depository financial institutions without any collateral, provided by Federal Reserve banks, usually at the Federal Funds rate.

So if your loan purpose would be served by a longer - term loan, a loan at the bank could be a good option.

The term is usually dictated by the loan purpose.

Micro-loans are administered by the community lending institutions, so unlike the standardized terms and requirements of a 7 (a) loan, eligibility requirements, terms, and interest rates are determined at the local level.

In the mad scramble for loan creation during the final phase of the Housing Bubble, the government created an environment of essentially free money by allowing the big agencies, Fannie Mae and Freddie Mac (or Phony and Fraudie, as I often affectionately refer to them), to securitize loans to the bottom of the barrel risks with crazy terms like no money down and incredibly low «teaser» interest rates.

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In fact, the majority of the small businesses surveyed by the ETA look to minimize the total dollar cost of a loan when inventory financing, or facing any short - term ROI opportunity.