Sentences with phrase «restrictions on borrowing»

It's not unusual for lenders to enforce tighter restrictions on borrowing when the economy is shrinking instead of expanding.

Not exact matches

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

(a) Expanding the Green Investment Bank's scale and remit as fast as possible, including relaxing the restriction on its ability to borrow before total public sector debt begins to fall.

The Maastricht Treaty of 1992 and the Stability and Growth Pact imposed restrictions on EU member states» levels of public borrowing as a precondition of the establishment of European Monetary Union.

The baseline is used in calculating tax restrictions on individual school districts, which vary widely depending upon exceptions allowed under the law, such as voter - approved borrowing for school construction and renovation.

This is why Friends of the Earth is asking for the restrictions to be lifted on schools so that they can borrow to invest in solar.

Publishers have gone so far as to limit the amount of times an ebook can be borrowed, set restrictions on a waiting period between patrons, and have even decided to forgo ebook lending altogether.

This is only the latest in a long line of affronts to Amazon, especially now that Random House, the only remaining Big Six publisher who had no restrictions on Amazon allowing Kindle users to borrow its titles, has announced that it will now be carefully examining its practices in ebook lending.

Even if there is no restriction on the amount you can access, it will save you some costs (such as interest and insurance) if you can borrow less amount in the first year.

The restriction on the amount you can borrow at any given time prevents you from excessive debt.

But be aware that there are restrictions on how much you can borrow from your 401k, and usually you can not withdraw employer match money, even if it has vested.

Under the Department of Housing and Urban Development's HECM program (Home Equity Conversion Mortgage)-- which is the program used most often by reverse mortgage lenders — a 65 - year - old who owns a house worth $ 250,000 with no outstanding mortgage might be able to borrow as much as $ 127,000, according to the Boston College Center For Retirement Research, although fees and other restrictions may reduce the amount of cash you can actually get your hands on at least initially.

The strategy had a lower return that an investor might be able to be use to maximise risk - adjusted returns through leverage, but this will depend on the cost of borrowing, restrictions and judgement of associated risks.

Moreover, loan amounts are significantly higher than grant amounts, as you can borrow up to several million dollars or more, and loans have fewer restrictions on the use of the funds when compared to many grants.

Some companies have restrictions on how much you have to borrow every time and how often you can do that.

In a perfect market the relationship between futures and spot prices depends only on the above variables; in practice there are various market imperfections (transaction costs, differential borrowing and lending rates, restrictions on short selling) that prevent complete arbitrage.

Their initial impetus was to give students and graduates a way to refinance high - interest student debt through a network composed of family and friends, although there is no restriction for the purpose of borrowing on Loanable.

If a restriction on the Fund's investments is adhered to at the time an investment is made, a subsequent change in the percentage of Fund assets invested in certain securities or other instruments of the Fund's investment portfolio, resulting from changes in the value of the Fund's total assets, will not be considered a violation of the restriction; provided, however, that the asset coverage requirement applicable to borrowings shall be maintained in the manner contemplated by applicable law.

VA loans have restrictions on the amount of money you can borrow.

If you do not qualify for VA you can refinance your mortgage with as little as a 3.50 % equity using a Federal Housing Administration (FHA) mortgage.There are restrictions on the amount of money you can borrow using an FHA mortgage.

Surrender charges are not imposed on policy loans, and there is no restriction on when you can borrow the cash value.

Some whole life policies let you withdraw money or borrow on the cash value, although there may be restrictions.

The Internal Revenue Service has placed certain restrictions on Clients» rights to receive, pledge, borrow, or otherwise obtain the benefits from your tax - deferred like - kind exchange funds pursuant to Section 1.1031 (k)- (g) of the Internal Revenue Service Regulations while your funds are being held and safeguarded by your Qualified Intermediary.

«Imposing further restrictions on the Enterprises» multifamily mortgage activities effectively denies the government the ability to recoup borrowed capital that would otherwise be generated from the strong performance of the multifamily business,» said the NMHC / NAA comment letter.

Chief economist Will Dunning says that government restrictions on mortgage borrowing have set the stage for a steady decline in new home building, which will trigger job losses and a drop in housing related economic activity by 2015.

Borrowing from this group allows you to avoid sliding scale restrictions, and still gives you access to the best rates on offer at no added cost.