Sentences with phrase «require higher equity»
In summary, commercial institutions and banks will require higher equity contributions for commercial mortgages in the next few years.
http://www.flagstonemortgage.com/ Not exact matches
Given the concentration in Canada's banking sector, it's likely that at least some of the banks will be designated as such, requiring higher capital levels and putting even more pressure on their return on equity.
You might be surprised how little equity is actually required to build a marketing - leading, cash flow positive, high growth, hardware related company.»
Tal believes that improving participation rates in high - demand fields will likely require finding a way to identify emerging trends in labour market needs, as well as improved quality and equity of learning opportunities and increased resources.
Managers of big banks claim that they can't fund themselves with more equity and still lend as much as they do now because stock holders require a higher rate of return than lenders do.
Of course, the winner here becomes not the site owners, who must maintain extremely high budgets with high churn to maintain and keep pace with their equity, but rather the people who sell the links to them and / or require their labor (guest posts) in order to replicate.
NYSUT, meanwhile, again urged the state to fully fund schools under the terms of a 2007 settlement in the high - profile Campaign for Fiscal Equity case, which required the state to fix its school funding formula and fulfill its constitutional obligation to provide a «sound, basic education» to all children.
It's this sort of stark disparity that has propelled the UFT to fight for charter equity legislation in Albany that requires taxpayer - funded charters to accept and keep numbers of high - needs students comparable to those in district public schools.
When fulfilling the elective requirements, students in the Higher Education Program are required to choose at least one course that addresses issues of diversity, equity, and inclusion.
«New approaches in education — including setting higher state standards, measuring students» progress, and requiring schools to improve — haven't fully addressed issues of equity for all students,» that report said.
Additionally, in 2015, Excel broke ground on a new high school facility in East Boston that required an up - front equity down payment that was raised through private philanthropy.
At its foundation, equity in education requires a physically and emotionally safe and positive school climate in which students are respected and encouraged by adults who hold high expectations.
Equity requires equal access to rigorous learning, so we prepare teachers to identify areas of bias and provide pedagocial approaches that maintain high expectations.
* Assure a stronger focus on equity by (a) asking states not just about the amount of funding in education, but also about the fairness of its distribution to high - and low - poverty and high - and low - minority districts and schools, and (b) asking states to document their efforts (required under federal law) to address gaps in teacher quality between high - and low - poverty and high - and low - minority schools.
However, the law requires districts to include certain practices, such as relying on multiple objective measures in placement decisions, using student performance data to ensure equity and efficacy, and ensuring the consistency of placement policies between elementary and high school districts.
As required in the 2015 resolution, the district is working on an equity audit to analyze how students at each high school are meeting the A — G requirements.
Go in for a home equity loan, if you require a high amount of cash.
Keep in mind, however, that these loans usually come with higher interest rates than home equity loans and, depending on the amount you borrow, may require collateral on the loan (e.g., your car or bank account).
No matter how compelling the case may be for a rising equity glide path — and it is compelling — I think it would be a mistake to stick to a system that called for ever - higher stock allocations if doing so would require you to take on more risk than you can actually handle.
Deutsche X-Trackers MSCI Eurozone High Dividend Yield Hedged Equity ETF (HDEZ) tracks an underlying index that requires consistent dividend payments and screens for quality factors including ROE, earnings variability and debt to eEquity ETF (HDEZ) tracks an underlying index that requires consistent dividend payments and screens for quality factors including ROE, earnings variability and debt to equityequity.
Home equity line of credit products are tied to your home, so by law, they are required to have a cap on how high the interest rate can climb over the term of the line of credit.
If the required savings amount is high, we have two options, take risk and invest in equity oriented products to get decent returns (more than 9 %), (or) decrease the required corpus.
But if your goal for a retirement budget is anywhere close to the estimated $ 73,000 disposable income you currently have net of mortgage payments, I think some combination of working longer, higher investment returns or home equity may be required to achieve your financial goals.
Mr Gregory Choy, OCBC Bank's wealth advisory head, explains: «The advantage of investing in unit trusts is that it allows investors to participate in the market with a smaller investment outlay and still be able to have a well - diversified investment, as opposed to investing into direct equities, which generally requires a higher outlay.»
Good credit and a high annual income may help you negotiate better interest rates and terms but home equity lenders in Cornwall do not require them.
They charge high interest and require sufficient equity to leverage in case you are unable to repay on time.
If through the daily cash settlement process, losses in the account of a security futures contract participant reduce the funds on deposit (or equity) below the maintenance margin level (or the firm's higher «house» requirement), the brokerage firm will require that additional funds be deposited.
That 3.3 % is supposed to be a blend of the cost of bank debt and the higher return required by investors for their equity in the house.
At present, lenders are required to obtain mortgage loan insurance for any high loan - to - value mortgage — a loan where the homebuyer's down payment or equity in the home is less than 20 %.
This is particularly effective if financing is relatively secured, or in the case of Merriton — not required to a large extent, due to either high internal cash / equity availability, or other sources of cash flow generation.
Finally, a high return on equity was required — 10 % annually over the past 5 years and 10 % over the past 12 months.
Note that there's some uncertainty over how high, exactly, China's emissions are expected peak in 2030, but no matter what assumptions you use, they're expected to peak much higher (the orange lines) than what would be required under «inertia» or «equity» approaches to stay below 2 °C:
Among close observers of the negotiations and the science informing these talks, there is widespread agreement that there is little hope of keeping warming to tolerable levels unless high - emitting nations base their emissions reductions promises on what equity would require of them.
Yet emissions reductions that would be required of high emitting nations under other proposed equity frameworks would be even steeper because they take into considerations issues such as, for example, historical emissions, economic wealth of nations, and ability of nations to pay.
org, US reductions need to be much greater than average reduction levels required of the entire world as a matter of equity because the United States emissions are among the world's highest in terms of per capita and historical emissions and there is precious little atmospheric space remaining for additional ghg emissions if the world is serious about avoiding dangerous climate change.
Furthermore, he wants to invest some part of his premiums into equities for higher growth, but at the same time he requires capital protection to safeguard his investments from the market volatility.
At its foundation, equity in education requires a physically and emotionally safe and positive school climate in which students are respected and encouraged by adults who hold high expectations.
Often, however, rents are higher than market averages, forcing lenders to require additional equity.
Risk Disclosure: Alternative investment products, including real estate investments, notes & debentures, hedge funds and private equity, involve a high degree of risk, often engage in leveraging and other speculative investment practices that may increase the risk of investment loss, can be highly illiquid, are not required to provide periodic pricing or valuation information to investors, may involve complex tax structures and delays in distributing important tax information, are not subject to the same regulatory requirements as mutual funds, often charge high fees which may offset any trading profits, and in many cases the underlying investments are not transparent and are known only to the investment manager.
Home equity loan — also called a second mortgage, these usually fixed - rate mortgages have higher interest rates, but cost less to originate and don't require mortgage insurance.
The few condo lenders available to developers require more equity, charge higher interest rates, and impose strict presale standards before the condo sales may close;
This loan requires the highest down payment (5 percent), but you begin with the most equity.
This time around banks also are requiring higher credit scores and in the majority of the cases, borrowers must have at least 20 percent of equity in their home after receiving the credit line.
However, because you are building equity faster and paying down the loan sooner, a 15 - year mortgage requires higher monthly payments.
Additionally, the client required that all three properties sell in the same closing so as to pool equity into a single 1031 Exchange and purchase property of higher quality and larger scale.
If you order the appraisal and you have less than 20 % equity or your LTV is higher than 80 % you will be required to get mortgage insurance but it does nt have to be paid monthly likely the common stereotype.