Sentences with phrase «lower debt obligation»

For starters, a higher overall income - to - debt ratio indicates greater income and a lower debt obligation — a sign that you could potentially pay off student loans without trouble.

Not exact matches

Instead, a good portion of Valeant's debt is held by collateralized loan obligations, or CLOs, essentially loan funds that buy and hold lower credit debt.

High debt obligations or low available cash reserves (or both) can also influence what kind of mortgage you qualify for.

Shares of Singapore - listed offshore services company Ezra Holdings hit record low on Wednesday as concerns over its debt obligations continue to mount.

debt obligations of the U.S. government that are issued at various intervals and with various maturities; revenue from these bonds is used to raise capital and / or refund outstanding debt; since Treasury securities are backed by the full faith and credit of the U.S. government, they are generally considered to be free from credit risk and thus typically carry lower yields than other securities; the interest paid by Treasuries is exempt from state and local tax, but is subject to federal taxes and may be subject to the federal Alternative Minimum Tax (AMT); U.S. Treasury securities include Treasury bills, Treasury notes, Treasury bonds, zero - coupon bonds, Treasury Inflation Protected Securities (TIPS), and Treasury Auctions

Together, these requirements create a triple whammy for some first - time homebuyers who often have smaller down payments, higher debt obligations — such as student loans — and traditionally lower credit scores than more seasoned buyers.

Low interest rates helped fuel the real estate and stock market bubble by making the debt side of the balance sheet less expensive, creating a «wealth effect» as people came to believe that rising property and stock - market prices would be able to pay off their obligations.

Banks typically issue these debt obligations to companies that have relatively low credit ratings, and these companies use the loans to finance transactions such as leveraged buyouts, mergers, acquisitions, or similar activities.

U.S. households have also delevered debt, with the ratio of current obligations to income at 15.3 %, the lowest since the early 1980s.

If someone loses their job altogether or is forced to accept one at a much lower income, they may not be able to meet their debt - servicing obligations.

Jim Savio, with Sikich LLP in Chicago, pointed out a few positives in the village's finances, including low debt and pension obligations.

A common thread for those states, according to the study, is relatively low amounts of cash on hand and large debt obligations.

However, a large debt like a mortgage, a student loan, or another auto loan will lower your score because of the payment obligation, and if you have no history your score will be low because you're an unknown quantity.

Reporting yet another overdue obligation debt will not affect an already low score.

However, if your monthly income barely covers your minimum debt obligations, even if you have a good credit report, you will not receive the lowest available interest rate.

If you have good credit and your monthly income far surpasses your monthly debt obligations, you will get approved at a lower interest rate.

In addition debt can be refinanced if rates move lower, and eventually is repaid; once issued, shares represent the perpetual obligation of dividends and a dilution of company control.

This gives you the total debt ratio that includes monthly credit obligations, which needs to be lower than 43 percent to qualify.

A debt settlement company will negotiate with the firm that holds the debt on your behalf and will lower the obligation to an amount you can afford.

While defaulted low - income borrowers may face EITC seizures of thousands of dollars in a single year, borrowers in good standing with the same amount of debt have notably lower payment obligations, potentially as low as $ 0 a month.

Credit card debt, student loan obligations, low rates of health insurance coverage coupled with the looming threat of bankruptcy caused by this lack of insurance all present seemingly unconquerable obstacles to homeownership.

If you have good credit and your income far exceeds your debt obligations, you will qualify for a lower rate.

Even if you are not able to get a better rate, you may be able to lower your monthly payments so that you are better able to handle debt obligations.

Considering the low likelihood that such bad debt will ever be repaid, debt buyers make their money by taking over these obligations for a fraction of their face value and aggressively going after consumers for payment using letters, calls and lawsuits.

The effect of credit default swaps and collateralized debt obligations on default in the short run is modest at best (even the article says CDOs lower borrowing costs by 3 - 5 basis points).

While having a mortgage payment is not as bad as paying consumer debt (the interest is lower and you get a tax break), it is still an obligation.

In addition the issuing company has the advantages of a lower cost of capital and the ability to get rid of debt obligations through bond conversions.

The APR offered will depend on your credit score, income, debt payment obligations, loan amount, loan term, credit usage history and other factors, and therefore may be higher than our lowest advertised rate.

Lower rated bonds, convertible securities and other types of debt obligations involve greater risks than higher rated bonds.

Already having difficulty making ends meet, his lower - than - average income makes it almost impossible for him to manage his debt - repayment obligations once his debts begin to accumulate:

Filed Under: Credit Cards, Debt Management, Personal Finance Tagged With: collateralized mortgage obligation, credit card, Credit Cards, debt consolidation, finance, financial disaster, interest, interest rates, low interest, low interest rates, low rate, lower monthly payment, monthly payment, mortgage, mortgage acceleration, Personal Finance, private mortgage insurance, refinancing, take advanDebt Management, Personal Finance Tagged With: collateralized mortgage obligation, credit card, Credit Cards, debt consolidation, finance, financial disaster, interest, interest rates, low interest, low interest rates, low rate, lower monthly payment, monthly payment, mortgage, mortgage acceleration, Personal Finance, private mortgage insurance, refinancing, take advandebt consolidation, finance, financial disaster, interest, interest rates, low interest, low interest rates, low rate, lower monthly payment, monthly payment, mortgage, mortgage acceleration, Personal Finance, private mortgage insurance, refinancing, take advantage

With all of the positive factors involved with student loan consolidation, it should be a consideration for any student borrower who is having trouble paying down their debt, and / or those who would like to simplify and lower their monthly debt payment obligations.

Also known as debt negotiation, debt settlement involves negotiating with your creditors to lower your overall obligation.

While consolidation may lower your monthly obligation, it's vital to remember your total debt load has not changed, only the way you are paying it off.

Lewis: I'm very concerned about it, [Not raising] that debt ceiling, for the rating agencies to somehow lower the sanctity and the ability for the U.S. to meet its obligations both here and abroad, clearly those have significant consequences to the industry in a broad way.

It's also an ideal solution for times when you have high debt or financial obligations but low cash flow.

You have a lower financial risk from obligations or debts.

However, if you need life insurance to cover a shorter term need, such as a business debt obligation, a lower cost 10 year term policy could do the job.

Factors that can prevent someone from meeting the traditional criteria could be a high debt - to - income ratio, low reserves at settlement, as well as past credit woes — bankruptcies, defaults, foreclosures, or chronic late payments on debt obligations.

Most REITs have taken advantage of favorable bond - market conditions in order to refinance existing debt, lowering their debt - service obligations.