Sentences with phrase «term than fixed rate»

Not exact matches

Private equity returns remained strong but were lower than the prior year quarter, while income from our fixed income investment portfolio increased due to a higher average level of fixed maturity investments and higher short - term interest rates.

Economic factors like consumer confidence, financial obligations, and delinquencies are all improving and the consumer may be more insulated than investors think from a back - up in yields, given 75 % of their financial obligations are in the form of a mortgage, close to 90 % of all mortgages are 30 - year fixed, and the average mortgage is termed out at the lowest rate ever... Taking these factors into account, we generally think it pays to remain sanguine.»

Since the length of the loan term is longer, 30 - year fixed mortgage rates tend to be higher than 15 - year fixed mortgage rates.

Business financing is a bit different than other term loans most consumers are familiar with, like fixed - rate mortgages or auto loans.

Adjustable - rate mortgages are popular because interest rates are typically cheaper initially than long - term, fixed - rate mortgages, such as the 30 - year mortgage.

Cash alternatives, such as money market funds, typically offer lower rates of return than longer - term equity or fixed - income securities and may not keep pace with inflation over extended periods of time.

The important thing to remember is, all other things being equal, a lower student loan interest rate is better than a higher one — but you need to consider all of the terms of the loan including whether the rate is fixed or variable and what your loan repayment options are to ensure you get the best overall deal.

This makes adjustable rate mortgages more affordable, at least in the short term, as the out of pocket expenses are less than if you were to finance your house with a fixed rate mortgage.

Yet on the whole, given their positive experience both with receiving more income than they could get from the fixed - income sector in recent years and the potential for capital appreciation over the long haul, dividend stocks and the ETFs that own them have demonstrated their long - term value to the investors who've gravitated toward them during the low - rate environment of the past decade.

These loans often have lower interest rates than their longer term, fixed - rate counterparts.

Since rising interest rates means the bond's fixed rate is not competitive against newly issued bonds at higher market rates, then it stands to reason that longer - term bonds (those with longer to pay at the lower rate) are going to see their prices fall further than short - term bonds.

It is important to note that since short - term rates are usually lower than long - term rates, the initial coupon of a floater is typically lower than that of a fixed - rate note of the same maturity.

Starting Oct. 17, all buyers with high - ratio mortgages — less than a 20 per cent down payment — must qualify based on the five - year benchmark posted rate, even if they have negotiated a lower five - year fixed - ate term.

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With a Fixed - Rate Loan, you know your principal and interest payment during the entire term of the loan, whereas an ARM offers a lower initial interest rate than most fixed - rate lFixed - Rate Loan, you know your principal and interest payment during the entire term of the loan, whereas an ARM offers a lower initial interest rate than most fixed - rate loRate Loan, you know your principal and interest payment during the entire term of the loan, whereas an ARM offers a lower initial interest rate than most fixed - rate lorate than most fixed - rate lfixed - rate lorate loans.

Your new payment must be at least 5 % lower than your old payment, or you must be replacing an ARM with a fixed loan (the new rate can't be more than 2 % higher) or hybrid loan (the new payment can't be more than 20 % higher), or reducing the term of your mortgage, or dropping your interest rate by at least 2 % (if replacing a fixed mortgage with an ARM).

Though Bank of America remained on top in terms of mortgage rates, we found that for Yonkers, the 15 - year and 30 - year fixed rates across all banks stayed closer to those in New York City than to rates in Buffalo or Rochester.

This term allows you to convert into a fixed rate mortgage at a later date without penalty; however it also comes with a higher interest rate than is available on most of RMG's fixed and variable rate terms.

Specifically, on a $ 300,000 fixed mortgage with a 4.5 % interest rate, you'd pay more than $ 100,000 more in interest costs over a 30 - year term with a mortgage that was 2 % higher than another.

Starting Oct. 17, all buyers with high - ratio mortgages — less than a 20 per cent down payment — must qualify based on the five - year benchmark posted rate, even if they have negotiated a lower five - year fixed - ate term.

If you are carrying student loans issued through FFEL (private funding) or Federal Direct loans, such as Stafford or Perkins, you are eligible to consolidate your loans under federal guidelines that will ensure a reasonable fixed rate (no higher than 8.25 %) and extended payment terms (10 to 20 years).

A loose term which generally refers to a fixed - rate conforming loan other than an FHA or VA loan.

Pledged - Asset Mortgages are fixed - rate loans, fully amortizing with terms between 10 and 30 years or adjustable - rate loans (available only when the pledged asset is greater than 10 percent and the borrower is making a contribution of at least 5 percent).

Loans offered by Covington Credit are installment loans with fixed interest rates and fixed repayment terms, and they can be a solution for those with less than perfect credit histories or scores.

This effectively means that federal loans are bought out, but the repayments are over a longer period of time (perhaps 30 years) and at a fixed interest rate to ensure the process of clearing college debts involves the lowest possible monthly repayments - in some cases 50 % lower than initial terms.

Under the new rules, a stress test that had only applied to borrowers who opted for variable rate mortgages or fixed rate mortgages with terms less than five years will now be used for all home buyers with less than a 20 per cent down payment.

They invest primarily in high yield bonds with an effective maturity of less than three years but can also have money in short term debt, preferred stock, convertible bonds, and fixed - or floating - rate bank loans.

Personal loans usually offer better interest rates than credit cards and they have a fixed repayment term.

The fixed interest rate options with the lender are more cost - effective than other private lenders, but the shortened repayment term may be an obstacle for some borrowers.

Initially, ARMs can be as much as two percentage points lower than fixed rate loans, which translates into major savings in the first years of your loan term!

This term allows you to convert into a fixed rate mortgage at a later date without penalty; however it also comes with a higher interest rate than is available on most of MCAP's fixed and variable rate terms.

While the fixed interest rate counterpart will be initially more expensive than an ARM, the long term stability is often more promising than the possibility of future rate drops.

While the interest rate and / or monthly payment amount for variable rate loans will initially be less than fixed rate loans, the longer the deferment period and repayment term, the greater the opportunity for variable interest rates and monthly payments to fluctuate.

Shorter loan terms typically have lower interest rates than 30 - year fixed - rate loans, although the spread between the different mortgage types varies.

Mortgage rates for a 15 year fixed rate mortgage are almost always lower than rates on longer term loans.

While the monthly payment amount for variable rate loans will initially be less than fixed rate loans, the longer the repayment term is, the greater the opportunity for variable interest rates and monthly payments to fluctuate.

Universities have long term fixed liabilities, such as tenure track contracts and the salary of tenured faculty may grow at a rate faster than general inflation or tuition fees, especially in specialized areas such as business, law, medicine and engineering.

With our Fixed Rate Saver, you'll benefit from a higher interest rate than our instant access savings accounts, but no withdrawals are permitted, so you won't be able to access your money until the end of your chosen tRate Saver, you'll benefit from a higher interest rate than our instant access savings accounts, but no withdrawals are permitted, so you won't be able to access your money until the end of your chosen trate than our instant access savings accounts, but no withdrawals are permitted, so you won't be able to access your money until the end of your chosen term.

With short - term rates now higher than long - term rates, money market funds offer better liquidity and a better yield than fixed - income securities with longer maturities.

Because of the intrinsic interest rate risk, long term fixed rate loans will usually to have a higher interest rate than a short term loan.

Variable rates are a risk, because whilst they often start at lower rates than fixed term loans, and could go down, they could easily go up, increasing the amount of interest paid on a loan considerably.

With mortgage rates near their historic lows, fixed rate home mortgages are likely going to be a much better deal if you plan on living in the house for an extended period of time, as when rates reset on ARM loans the prior short - term savings will likely be more than offset by the higher rates for the duration of the loan, which can cause the interest - only loan payment to exceed the amoritizing 30 year fixed rate payments if mortgage rates spike high enough.

Pick a variable - rate private student loan, and you'll start out with a better interest rate than you'd get on a fixed - rate private loan with the same repayment term.

Variable rate loans tend to be less expensive at the beginning of the loan than comparable fixed rate loans of the same term.

Short - term bond ETFs can do more than just help fixed - income investors limit the negative effects of rising interest rates on a bond portfolio.

The flattening of the bond yield curve in recent years meant you might pay only 1 % or 1.5 % more to lock in a long - term rate, and that made the stability of fixed rates much more attractive than it was five years earlier.

On the other hand, interest rates for Certificates of Deposits (CDs) are typically higher than savings and money market accounts, but CDs require a fixed term.

Lots of mortgages are higher than prime, and many people choose them because they feel more secure with the fixed rates over a term, or, on insured mortgages, the lender requires a fixed term.

And one more note... I have come to a conclusion that the BIG SIX banks should not be considered if you are taking a fixed rate product... that's a strong statement, but their penalty calculations are just too biased and we have seen several non-bank lenders step up and offer rates and terms just as competitive or even better, than the banks..

Under the old rules, lenders were required to «stress test» borrowers applying for an insured mortgage with variable interest rates or fixed interest rates with terms of less than five years to ensure they could make their payments.