Sentences with phrase «over the entire term of»

If your Home Equity Line has a longer term than the bills you are consolidating, you may not realize savings over the entire terms of your Home Equity Line.

These are the total monthly payments made over the entire term of the mortgage.

To deduct the points on a refinance, they must be deducted equally over the entire term of the new loan.

This is a great feature as it means you don't have to pay higher premiums over the entire term of the policy if you only need more coverage for a short period of time.

The simplest plan is to make the same monthly payments over the entire term of the loan.

So, APR refers to the yearly cost of borrowing money over the entire term of the loan.

This low interest rate will then prevail over the entire term of your Toronto mortgage loan.

However, shorter term fixed loans can result in you paying less interest, meaning the 25 - year loan could save you money over the entire term of the loan.

Since a home equity line may have a longer term than some of the bills you may be consolidating, you may not realize a savings over the entire term of your new line.

This is a great feature as it means you don't have to pay higher premiums over the entire term of the policy if you only need more coverage for a short period of time.

The premiums are typically lower than for other types of term life insurance, and remain steady over the entire term of the policy.

The fifth page of the Closing Disclosure shows borrowers how much the loan will cost them over the entire term of the mortgage.

Not exact matches

While the residents of Britannia rank 15th in terms of average net worth, their average annual income, at over $ 1.3 million, makes them the highest - paid on the entire ranking.

This makes it very different from a fixed mortgage, which instead carries the same rate of interest over the entire term or «life» of the loan.

No single investment must last for the entire span of the investor's life, because the investor ideally has a diversified portfolio of several dividend - paying companies, but the better the investments perform over the long - term, the lower the turn - over rate of the portfolio needs to be.

When you hear that term over-sensitive, by the way, it really means, to me, «as sensitive as the entire world should be, i.e. «over sensitive» should be the norm, actually, and then we would not have war and could find more cures for diseases and art, music, great literature would pour out of everywhere.

There's no empirical evidence that they have any long term impact on a child's learning over the course of their entire schooling.

Neither has it attempted to answer the single most important question in terms of whether KIPP can take over an entire neighborhood school: How many students from the neighborhood school that co-locates with KIPP — Moon Elementary School — are accepted, retained and graduated from their «No Excuses» charter school in eighth grade?

The contract you signed gives them the right to change the terms of the deal any time they want, including how much they'll let you have of your sales money, and it gives them control over what price you can sell your books for in the entire electronic market.

You are not spreading the entire automobile cost over the term of the contract.

Using the last row as an example, for a loan term over 15 years and an LTV over 90 %, the borrower must pay an MIP the entire duration of the loan term.

However, it's important to remember that most people do not keep the mortgage for the entire loan term and the added costs are usually paid upfront — not over the life of the loan.

Level term life insurance, by definition, offers the beneficiaries the same payout over the entire length of the term.

Since the plan also ensures that if he were to survive till the end of the policy term, he will receive all the premiums that he has paid over the entire term thus ensuring that he receives commensurate benefits for the premiums he invests whether it is in the form of the Death Benefit or Maturity Benefit.

In addition, it is important to keep in mind that the APR spreads all costs associated with the mortgage over the life of the loan, so if you do not expect to keep your mortgage for the entire loan term, the APR will not be a proper representation of the rate for your loan.

This is a simple calculator that shows you the principal balance of your loan over its entire term.

However, this shouldn't be a huge concern for long - term, buy - and - hold investors as the cost will be negligible when spread over the entire holding period of XIC, which could be decades.

When you pay points for a purchase loan, you can usually deduct the points on your taxes; for a refinance, you must prorate the points over the entire loan term, such as 30 or 15 years of tax returns.

These factors are home value, up to a maximum cap; age; interest rate; and loan type, which include a lump sum, monthly payment over a specified term, monthly payment over your entire life, line of credit, or some combination of these options.

No more lapses As the policy premium is single and is paid up in a lump sum, therefore, you do not have to stress over policy getting lapsed in a case of premium non-payment hence, making the policy valid for the entire policy term, which creates a good cash value while you render policy benefits in the end.

But when the drawing period ends, the entire balance must be repaid over the remaining term of the loan.

In our example above, we received our entire principal back over the term of our annuity with interest on the outstanding balance.

Another core philosophy of Swan and the DRS is that we are long - term investors with the goal of outperforming over an entire market cycle.

Here are the returns in terms of the percentage earnings yield 100E10 / P over the entire data period.

If you save that money each year, and invest it even modestly, you will have control over the money for the entire term of the policy.

Reduced maximum drawdowns that offer numerous benefits, including: Behavioral (Easier to stay invested through an entire cycle) and Mathematical (Returns compound over the long term off of a higher trough).

A balloon loan typically features a relatively short term, and only a portion of the loan's principal balance is amortized over the entire term.

In this scenario, if the borrower plans on staying in the home for at least 44 months, they will recoup the entire $ 4,000 in closing costs that were rolled into the new loan amount, and will then save approximately $ 31,000 over the remaining term of the new 30 - year fixed - rate mortgage loan.

Plus, I should again stress longer holding periods can be a huge advantage (not just in terms of taxes): Generally, the better the company / investment, the longer you end up holding it — and if you hold a stock for 5 - 7 yrs +, for example, the broker fee to buy & to sell is obviously pretty irrelevant when you «spread» it over the entire period (& far cheaper than the annual / cumulative fees you'd pay on an investment fund).

As the name suggests, a fixed - rate loan is one that keeps the same interest rate over the entire life or «term» of the loan.

Yet, over time, while an insured who owns term life coverage may need to renew at a higher premium rate, a whole life insurance policy holder will retain the same premium expense throughout the entire life of the policy.

The main differences between term and permanent life insurance are that permanent life insurance is in force for your entire life (as long as you pay the premiums) instead of a certain «term,» and permanent insurance accumulates cash value over the life of the policy.

Year 10 P / E10 Real Return Year 20 P / E10 Real Return Year 30 P / E10 Real Return Here are the returns in terms of P / E10 over the entire data period.

DCA also affects which parts of your investment qualify as long - term or short - term capital gains; if you opened your entire position at once, all of your shares would have the same term status, but if you accumulated your position over time and decide to close all or part of your position within a year of any purchase, some portions of your gains may not qualify as long - term capital gains.

For example, if the caps are 2 percent annual and 6 percent life of loan, a mortgage with a first - year rate of 10 percent could rise to no more than 12 percent the second year, and no more than 16 percent over the entire loan term.

Since most people do not keep the mortgage for the entire loan term, it may be misleading to spread the effect of some of these upfront costs over the entire loan term.

Or worse, you'll trade it in near the end of your loan's term and start the entire process over again from scratch.

The use of the term «record - high» in the paper by Hatun et al. may be misleading, as this only refers to a limited region since the 1960s (southwest off Iceland) or a very short interval (one decade) and doesn't reflect the general degree of salinity in the entire basin over a longer period.

As you can see, over periods of a few decades, modeled internal variability does not cause surface temperatures to change by more than 0.3 °C, and over longer periods, such as the entire 20th Century, its transient warming and cooling influences tend to average out, and internal variability does not cause long - term temperature trends.

This study, which was supported by the U.S. National Science Foundation, is the first to analyze long - term trends in rainfall and surface air temperature over a timescale of nearly an entire century, the study's lead author, Natalie Thomas, a doctoral candidate in atmospheric and oceanic science at the University of Maryland, told Live Science.