Your APR will be higher
than your interest rate because it reflects the total compensation you will pay on an annual basis to the financial institutions that helped you get your loan.
The APY is normally higher
than the Interest Rate because it assumes that all compounded interest credited to an interest bearing account will remain on deposit in that account.
It is generally higher
than the interest rate because it also includes the cost of points, mortgage and other fees included in the loan.
Not exact matches
Interest rates on 15 - year mortgage terms are typically lower
than those on longer - term loans
because the shorter duration of the loan makes it less of a risk to the lender.
In a client note on Thursday titled «Yanking down the yields,» the
interest -
rates strategist projected that bond yields would be much lower
than the markets expected
because central banks including the Federal Reserve were reluctant to raise
interest rates.
«More
than anything, people are going to jump off the fence
because of
interest rates picking up,» said Jason Cassity, a real estate agent in San Diego.
«More
than anything, people are going to jump off the fence
because of
interest rates picking up,» Jason Cassity, a Zillow premier agent in San Diego, told Business Insider.
«
Because interest rates are low, maintenance fees have a much larger impact on balances
than rates for the average account holder.»
A: Microloan
interest rates are much higher
than typical loan
rates because their risks are higher: 12.5 % to 15 % is common.
Variable
interest rate loans are usually offered at lower
rates than fixed
rate loans, but can be risky
because the student loan
rates could rise significantly in the future.
Because most wealthy Chinese seem to think about RMB in terms of USD or Hong Kong dollars, it is the fear that any depreciation of the RMB against those two currencies (the Hong Kong dollar is pegged to the USD through a modified currency board) greater
than the couple of percentage points
interest rate differential would yield less
than equivalent USD or Hong Kong dollar bonds.
The initial
interest rate on a floating -
rate security may be lower
than that of a fixed -
rate security of the same maturity
because investors expect to receive additional income due to future increases in the floating security's underlying reference
rate.
Adjustable -
rate mortgages are popular
because interest rates are typically cheaper initially
than long - term, fixed -
rate mortgages, such as the 30 - year mortgage.
Investors are likely skittish
because the prospect of increased inflation may force the Fed to raise
interest rates faster
than expected.
Definition: Money market accounts pay competitive
interest rates (higher
than savings accounts) in exchange for the use of your money.Advice: Money market accounts pay higher
interest rates because they usually demand that you keep a higher balance.
Bonds, stocks and real estate, he writes, are overvalued
because of near zero percent
interest rates and a developed world growth
rate closer to zero
than the 3 % to 4 % historical norms.
It's also
because of something a little more lasting
than central banks» current infatuation with near - zero
interest rates.
Home equity loans typically have better
interest rates than personal loans
because your home is collateral.
There are so many reasons why this is wrong (to list just the most obvious, poor countries have much lower debt thresholds
than rich countries, Japanese debt can not possibly be dismissed as not being a problem, and
because it is almost impossible to find an economist who understands the relationship between nominal
interest rates and implicit amortization, Japanese government debt has probably only been manageable to date
because GDP growth close to zero has permitted
interest rates close to zero) and yet inane comparisons between China's debt burden and Japan's debt burden are made all the time.
Because personal loans are unsecured and don't require collateral, they typically have higher
interest rates than secured loans.
Insurers like structured VAs
because these hybrid products require less capital to support
than traditional VAs that come with lifetime income guarantees, which some insurance companies have found difficult to honor with
interest rates still historically low.
Previously, Perkins Loans were a smart choice
because they had lower
interest rates than other loans.
In that space, we know that the new rules mean you need to be much more qualified to have that mortgage today
than before the rules went into place, so there is a cushion in there where you can tolerate a higher
rate of
interest and so on
because you have been tested against it.
Keep in mind that just
because a lender offers you a lower
interest rate than you currently pay on your existing student loans doesn't mean your monthly payment will also be lower.
China has only completed the first part of the rebalancing —
interest rates, wages and the currency have all moved sharply closer to healthy levels, levels at which the imbalances are no longer getting worse, in other words, but Beijing has still not got its arms around credit growth
because to do so would cause GDP growth to drop much more sharply
than Beijing is willing to tolerate.
The reason why valuations are so tightly correlated with 10 - 12 year returns is that extreme deviations from historical norms tend to wash out over that horizon, and
because interest rate fluctuations have a much less durable impact on market valuations
than investors imagine.
As it turned out, we raised
interest rates weeks before the commitment expired
because we saw signs that inflation was returning to its target more rapidly
than we anticipated.
It was problematic
because many of those bonds were purchased a time when
interest rates were much higher and enjoyed far fatter bond coupons
than anything then available on the market.
HELOC loans are popular
because their
interest rates are lower
than many other types of loans.
A fixed -
rate mortgage is generally a safer bet
than an adjustable -
rate mortgage
because you know what your
interest rate will be for the length of the loan and your payments will stay the same for the duration of the mortgage.
The time to maturity is important
because an increase in
interest rates affects short - maturity bonds less
than it does longer - dated bonds.
Yes the Index - linked fund is more susceptible to
interest rate risk
than the regular bond fund, but not by the nature of it being a linker, it's
because the average duration is longer.
Because bondholders receive a fixed
interest rate and get paid before stockholders, bonds are safer investments
than stocks.
That's important
because interest rates awarded to very creditworthy borrowers can be as much as 5.00 % to 6.00 % lower
than those offered to borrowers with the worst credit scores.
Not that much higher
because they're still secured by a home (the home as collateral), the
interest rates people typically pay on them are lower
than those of nearly any other sort of borrowing.
Their cost of capital is a function partly of low
interest rates and part of the implicit share price is a function of the fact that investors have looked at equities for dividends rather
than bonds for yield
because the bond market is so expensive.
Considering Europe he says, «the last thing Europe needs now is stability,
because stability means stagnation» and he concluded by stating that in his opinion «
interest rates were going to go up sooner, further and faster»
than widely predicted.
Interest rates are higher
than mortgage
rates because loans for movable property are riskier for lenders.
Floating -
rate securities The initial
interest rate on a floating -
rate security may be lower
than that of a fixed -
rate security of the same maturity
because investors expect to receive additional income due to future increases in the floating security's underlying reference
rate.
An FHA Streamline is a great way to take advantage of historically low
interest rates and lower your monthly payment
because the process is simpler
than what is required by most refinance programs.
In general, variable
rate loans tend to have lower
interest rates than fixed versions, in part
because they are a riskier choice for consumers.
In a seven page report released Friday, Beata Caranci says the need for financial literacy has never been higher
because of record low
interest rates and household debt growing faster
than income, something the millennial population seems unprepared to deal with.
One of the reasons why a lot of folks are getting too attracted to bonds these days is
because they pay higher
interest rates than the regular bank deposits.
It doesn't help that 10 - year bond yields are still lower
than the prospective operating earnings yield on the S&P 500 (the «Fed Model»), not only
because the model is built on an omitted variables bias (see the August 22 2005 comment), but also
because the model statistically underperforms a simpler rule that says «get in when stock yields are high and
interest rates are falling, and get out when the reverse is true.»
Tightening policy will adversely affect employment levels
because higher
interest rates make holding on to cash more attractive
than investing it.
This turns out to be a good deal for borrowers
because they get a better
interest rate than they might through a traditional bank loan or credit card.
Because the loan is divided among a large number of investors (meaning the overall risk is reduced), P2P loans have lower
interest rates than online loans and fewer eligibility requirements
than bank loans.
A bonus could be a great way to pay down debt, particularly when it comes to credit cards
because they have higher
interest rates than most other loans.
Debt consolidation.If you're struggling with credit card debt, borrowing against your equity can be extremely attractive
because of the low
interest rates — much lower
than any you'll find on a credit card — using a HELOC to pay off other debts will give you an easy single payment at low
interest rates.
Because credit unions don't lend to make a profit, the
interest rates tend to be lower, the fees are usually fewer, there are no origination fees, and the repayment terms tend to be more flexible
than the terms offered by traditional lenders.