Sentences with phrase «other borrowers on»

We advise public issuers on a wide variety of financing structures and counsel industrial and other borrowers on the use and advantages of tax - exempt financings.

Not exact matches

It often allows a borrower to continue on the debt merry - go - round until no other options are available.

Similarly, under the financial reform law enacted after the financial crisis, we publicly report in detail on our lending programs and securities purchases, including the identities of borrowers and counterparties, amounts lent or purchased, and other information, such as collateral accepted.

Depending on a borrower's creditworthiness and other factors, interest rates can run from about 6.5 percent to nearly 36 percent.

Overall, Treasury yields, which influence the interest rates that borrowers pay on mortgages and other loans, have been «remarkably stable» given the Fed could raise rates against the backdrop of ongoing turmoil in global markets, said Kathy Jones, chief fixed income strategist at Schwab.

Depending on the borrower's credit and other factors such as business experience, rates can range between 12 and 18 percent.

You can borrow money against your retirement account under some circumstances, but financial advisers say such borrowers often struggle to get back up to speed on their retirement savings — in other words, their past over-saving leads to future under - saving.

Among protections in the proposal, lenders would need to conduct an upfront «full - payment» test to determine if borrowers will be able to pay the loan without compromising other financial obligations and without needing to reborrow (a cycle that piles on fees and interest, making it harder to dig out).

This type of automatic payment is also good for borrowers because, among other things, it has the potential to help a small business eliminate cash flow lumpiness by making more frequent and smaller debits on a daily or weekly basis as opposed to requiring a large loan payment on a monthly basis — although that is not the only benefit to small business owners.

A number of operational features were required to implement such an overnight reverse repo, or ON RRP, facility: It would need same - day settlement; 16 the operation would need to be run predictably, every day, and as late in the day as possible, to give lenders time to bargain with other counterparties using the outside option of investing with the Federal Reserve; 17 an appropriate spread below IOR would be required to ensure that the facility neither induced large changes in the structure of money markets nor lost the ability to support interest rate control; 18 and the operations would need enough unused capacity that lenders could credibly propose to leave borrowers that did not offer an adequate interest rate.19

Like borrowers with exceptional credit, however, you'll need to have more than a very good credit score to get the best deal on your interest rate, mortgage fees and other considerations.

[9] Commentators go on to suggest that such borrowers will either have to sell their property or reduce other expenditure significantly in order to service their loans.

Kabbage, on the other hand, does not require borrowers to have a specific credit score.

That also means that the interest rates for these loans are set by the lenders, based on the borrower's credit history and / or other underwriting criteria determined by the lender.

We believe that borrowers should come to iLoan if they have no interest in taking out payday or no credit check loans but have exhausted all other options on the market.

China's debt problems, in other words, can not be resolved administratively, by fixing the shadow banking system, by imposing discipline on borrowers, or indeed by eliminating financial repression (much of which, by the way, has already been squeezed out of the system by lower nominal GDP growth).

Not many other mortgage lenders have devoted such attention to keeping borrowers and lenders on the same page, making the Home Insight Tracker a significant advantage to choosing PNC for your home loan.

Potential borrowers will want to have the following information handy: a completed FAFSA application form, an award letter from the school the student plans to attend, and information on other funding (i.e., scholarships, grants, federal funding, etc.).

The Pennsylvania legislature recently passed a bill that will ensure borrowers are up - to - date on their student loan debt.The average Pennsylvania college student graduates with $ 35,000 in student loans, which is higher than any other state in the U.S. And within three years of graduation, 10 percent of Pennsylvania student loan borrowers default on their debt.In order to combat this problem, the Pennsylvania House of Representatives recently passed a bill that would ensure students stay informed about how much debt they are accumulating.HB 2124 would require all colleges and universities to provide annual notices to students about their outstanding student...

However, some plans are only available to borrowers who are considered «new borrowers» after a certain date, and some plans base a borrower's monthly payments on 10 percent of discretionary income while others base payments on 15 or even 20 percent.

Several million student loan borrowers have already taken advantage of other Income Driven Repayment programs that also limit monthly payments based on 10 - 20 % of a borrower's income, such as IBR and ICR.

Impact on other credit markets: The Bureau's methodology does not allow us to see the other forms of debt that student loan borrowers have taken on.

For example, a relatively high percentage of first - time borrowers will default on their credit cards, mortgages, and other loans.

On the other hand, a borrower with average credit who chooses a 30 - year fixed loan will likely be charged a higher interest rate.

Because instead of limiting the overall availability of credit like it did in the past, the Fed now limits the credit available to other prospective borrowers by grabbing more for itself, which it then passes on to the U.S. Treasury and to housing agencies whose securities it purchases.

Actual rates, on the other hand, tend to vary from one borrower to the next.

On the other hand, though, Prosper accepts borrowers with a higher debt - to - income ratio.»

Mortgage lenders today are putting a lot more emphasis on the borrower's credit score (among other things).

Rates change constantly, and they vary from one borrower to the next based on credit qualifications and other factors.

Borrowers are required to take the interest rate and other fees into account based on their payment capabilities.

Nevertheless, the early experience suggests that, while the resilience of both borrowers and lenders has no doubt improved, the initial effects on credit and some other indicators we use to assess risk may fade over time.

Borrowing rates will rise for governments, home buyers and other long - term borrowers, while savers will see more returns on conservative holdings such as savings accounts and it should become easier to fund pension savings.

Traditional refinancing programs, on the other hand, are generally not available to such borrowers.

Low - risk borrowers, on the other hand, are generally charged less interest.

All federal rates are predetermined by the government and, unlike other loans, they aren't adjusted based on each borrower's personal financial situation.

As with other forms of debt, the margin and interest rate that a borrower receives on a variable rate loan are heavily dependent on credit score, lender and loan product.

On the other hand, we think OnDeck is the better choice for standard term loans and for borrowers with lower credit scores (particularly if you want a line of credit).

A high credit score, on the other hand, shows you're a responsible borrower and should qualify you for a lower interest rate.

Persis Yu is a staff attorney at NCLC and works in the Student Loan Borrower Assistance Project and on other consumer advocacy issues.

Unlike other loans, student loan defaults stay on a borrower's record for life, even if bankruptcy is filed.

As with other debt obligations, defaulting on a student loan will send a borrower's credit score plummeting, from which it can take years to recover.

Borrowers can make a down payment as low as 3 % of the cost of the property, and they may use funds from other sources (including gifts, cash on hand, and down payment assistance programs) to make the down payment.

When someone co-signs a loan with you, they essentially tell the lender, «I will make the payments on the loan if the other borrower can not.»

On the other hand, if the borrower makes on - time payments for the duration of the loan, you could both see a boost in your scores,» Tayne sayOn the other hand, if the borrower makes on - time payments for the duration of the loan, you could both see a boost in your scores,» Tayne sayon - time payments for the duration of the loan, you could both see a boost in your scores,» Tayne says.

As I've explained more than once in this forum, this expression is merely economists» shorthand, serving to describe the process that begins with banks crediting borrowers» accounts with lent sums, is followed by the borrowers» drawing on their borrowed deposit credits by writing checks or otherwise transferring funds to various payees, and finally, other things equal, by a transfer of reserves from the lending bank to the payees» banks, for the sake of settling inter-bank dues.

The collateral on a loan is the property or other business asset used as security in case the borrower doesn't fulfill the loan.

According to the HUD handbook, the borrower's «total fixed payment» includes the monthly mortgage payment (with property taxes and home insurance), along with the monthly obligations on all other debts and liabilities.

The SBA expects its loans to be fully secured, but will not generally decline a loan based on inadequate collateral, assuming the borrower satisfies the other standards for capital, credit, capacity and character.

On the other hand, it can be ged by the lenders on the loan made available to another person called borrower for use so that the person (borrower) can repay in a future timOn the other hand, it can be ged by the lenders on the loan made available to another person called borrower for use so that the person (borrower) can repay in a future timon the loan made available to another person called borrower for use so that the person (borrower) can repay in a future time.

«It's a challenge day - to - day (for student borrowers), but the need to focus on dealing with this debt takes away the opportunity to do other kinds of investments or purchases that would actually benefit everyone in the economy,» said DiNapoli.