Sentences with phrase «than your default rate»

My goal was to buy «distressed» P2P loans at a discount that was higher than the default rate.

The default rate of black graduates is significantly higher than the default rate for first generation, low - income graduates (13 percent, not shown in table).

An Education Sector report from 2007 found that, ten years after graduation, the default rate for African American students was more than five times higher than the default rate for white students, and the default rate for Hispanic students was more than twice the rate for white students.

The lower than your default rate is on your loan portfolio, the higher your net return on investment will be.

Not exact matches

Although college - educated people are more likely to have the financial wherewithal to buy a home than those without a college education, the mounting rate of default on student loans is hurting young people's credit ratings - and making it much harder for them to buy a home or condominium.

They have relatively low default rates and terms that are often better than traditional banks, according to the NCUA and Federal Deposit Insurance Corp. (FDIC).

Some of the leading franchise names, including Quiznos and Cold Stone Creamery, were among the 10 worst performers in the SBA loan portfolio between 2004 and 2013, which collectively had a default rate of more than double that of other franchises, according to the investigation.

Buffett said he was proud of the many people who have been able to buy a home with Berkshire's financial assistance, and that the default rates on its loans during the financial crisis were lower than those of other banks.

Malls tend to have higher loss rates than other property types after a default, increasing the stigma for lenders, according to Lea Overby, an analyst at Morningstar Credit Ratings LLC.

If interest rates rise bond funds get slammed and you'll be a loser (it has happened to me before, ouch)... but if you hold the bond nothing (other than the scenario of a default) happens & your principle is returned.

Tax cuts on wealth are promoted as if they will be invested rather than used to pay the financial sector more interest or be gambled on currencies and exchange rates, interest rates, stock and bond prices, credit default swaps and kindred derivatives.

PCE's default option, ECOplus, is 50 % renewable and 75 % greenhouse gas emissions free, at a generation rate that is priced 5 % less than PG&E.

Although bonds generally present less short - term risk and volatility than stocks, bonds do contain interest rate risk (as interest rates rise, bond prices usually fall, and vice versa) and the risk of default, or the risk that an issuer will be unable to make income or principal payments.

As you can see from this data, the penalty / default rates are at the minimum 7 - 8 % higher than the worst rates you would normally see on your credit cards.

Moody's data shows that bonds rated Ba had a 1.17 % probability of defaulting within a year, whereas more speculative bonds rated Caa — C, had a one - year default probability of more than 17 %.

«He [doesn't] have his facts straight,» Lyndon said at the time, retorting that SolarCity's customers defaulted on payments at a rate of less than 0.5 %.

The net default rate for small - business borrowers supported by the MEII's first two loan - guaranty facilities was less than two percent.

Floating - rate loans» low credit ratings indicate greater potential risk of default relative to investment - grade bonds (though default rates for floating - rate loans historically have been lower than on high - yield bonds).

Investments in high - yield («junk») bonds involve greater risk of price volatility, illiquidity, and default than higher - rated debt securities.

Canadians have more equity in their homes than Americans did, the default rate is lower, the sub-prime market is tiny, and mortgage interest is not tax - deductible, so there's no incentive to build up debt.

At the time of this writing (many of the loans continue to be outstanding), the default rate for Prosper loans given from July 2010 through June 2011 is just more than 5.5 %.

In the case of a portfolio credit - linked note, the rate reflects the combined creditworthiness of a portfolio of companies underlying the credit default swap rather than a single company.

Combined, the percentage of auto, credit card and student loan delinquencies and rate of default is as big or bigger than the subprime mortgage problem that led to the «Big Short.»

These bonds are issued by less - creditworthy companies that carry a higher risk of default than better - rated issuers.

For older borrowers who rely on student loans to finance their own education, government statistics show their default rate is much higher than that of younger borrowers.

They are currently benefiting from not being able to default by paying a lower interest rate than other types of unsecured debt.

Andrew Cuomo aggressively promoted subprime mortgages, which turned into NINJA (No Income, No Job and No Assets) loans, even while acknowledging that the default rate on these loans would likely be greater than on standard loans.

The latter just seems to spread the lone channel into both of the stereo speakers and it features a much lower bit rate than the superior default track.

An Ernst & Young study of 430 loan transactions by 15 community - development financial institutions (CDFIs) involving 336 charter schools found a foreclosure rate of 1 percent, lower than the corporate sector debt - default rate of about 3 percent.

• Debt and default among black or African - American college students is at crisis levels, and even a bachelor's degree is no guarantee of security: black BA graduates default at five times the rate of white BA graduates (21 versus 4 percent), and are more likely to default than white dropouts.

• The new data underscore that default rates depend more on student and institutional factors than on average levels of debt.

In 2006, a U.S. Department of Education report noted that black graduates were more likely to take on student debt, and in 2007, an Education Sector analysis of the same data found that black graduates from the 1992 - 93 cohort defaulted at a rate five times higher than that of white or Asian students in the 10 years after graduation (Hispanic / Latino graduates showed a similar, but somewhat smaller disparity).

This can be seen in Figure 1, in which default rates for the recent cohort are actually slightly lower in Years 2 - 4 than for the earlier cohort.

If not for students later attending for - profits, community college entrants would have lower default rates than public four - year entrants.

While BA completers as a whole default at a low rate (of just six out of every 100, see Table 2), the default rate among black graduates is more than five times the rate of white graduates (21 versus 4 percent).

Riskier loans command higher interest rates than safer loans because of the greater chance of default on the repayment of the risky loan.

Because the main difference between the two groups is their access to different loan policies, any differences in default rates are likely due to tighter bankruptcy standards and wage garnishment policies rather than other factors, like changes in borrower profiles or the economic environment.

Peter Smyth, a retired educator and administrator, and also a co-founder of Community Voice, says, «After a career in education and research into educational reform, I have come to these conclusions: while South Carolina Superintendent Zais has applied for a waiver to No Child Left Behind, his proposals reflect those of Secretary Duncan and the current and previous administrations, policies which have not achieved their goals and have made raising test scores and graduation rates, rather than meaningful learning, the default goals of American education.

They're larger than they used to be, too, and seem to be tied not only to default rates, but to where black students enroll in graduate school.

This requirement factors into your eligibility when applying for a home loan because it aids in assessing the probability that you will be able to pay back the loan amount.The Department of Veteran Affairs residual income minimum requirement is generally attributed as large factor in why VA mortgages default at lower rates than all other major lending options.

Remondi also used the interview to defend Navient's successes with student loan borrowers, saying it leads the industry in number and percentage of borrowers who are enrolled in income - driven repayment plans, has the lowest level of severely delinquent borrowers, and the lowest level of defaults in the industry at a rate that he says is 31 percent lower than peers.

Because collateral reduces the lender's exposure to the risk of default, secured personal loans have lower interest rates than their unsecured counterparts.

Non-investment-grade debt securities (high - yield / junk bonds) may be subject to greater market fluctuations, risk of default or loss of income and principal than higher rated securities.

Namely, bond coupon payments are determined by market interest rates, the type of issuing entity (government bonds pay lower coupons than corporate bonds because of lower default risk), the creditworthiness of the issuing entity (AAA companies pay lower coupons than CCC companies), and the maturity of the bond, which we will talk about next.

Also, it's good to note that while it was popular just prior to the financial crisis, the fact that borrowers sometimes owed more than their homes were worth and that default rates for piggyback loans were high after the housing bubble burst, nowadays it is more challenging to locate one.

If the default rate on your new credit card is higher than the interest rate you were paying on your old one, a balance transfer may not be a wise financial decision.

As you can see from this data, the penalty / default rates are at the minimum 7 - 8 % higher than the worst rates you would normally see on your credit cards.

Applications with trustworthy narratives did not have a significantly different default rate than other applications.

Such loans carry guarantees for lenders against default by the federal government, along with lower interest rates than for conventional mortgages and low (or no) down payment requirements.

Scores below 580 are indicative of a consumer's poor financial history, which can include late monthly payments, debt defaults, or bankruptcy; individuals in this «subprime» category can end up paying auto loan rates that are 5 or 10 times higher than what prime consumers receive, especially for used cars or longer term loans.