Sentences with phrase «think of a fixed rate»

When you hear about interest rates, you probably think of a fixed rate.

Not exact matches

«It's always hard to know exactly where to put your money these days given how rates and spreads are so low, but on a relative basis we still think there's value in EM debt,» Matt Tucker, head of the iShares fixed income strategy team, said this week during a panel discussion at the Morningstar ETF Conference in Chicago.

«We think rates will move higher, but more so in the latter part of the year,» Rieder, BlackRock's global chief investment officer of fixed income, told CNBC's «Halftime Report.»

Adds Timmer: «I think rates can stay low for quite a long time, and so I wouldn't be in too much of a hurry to abandon the fixed - income portion of my portfolio.»

He said the team thinks there aren't enough rate hikes priced into the fixed - income market and therefore he likes the long end of the yield curve, or longer duration bonds.

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.»

Most dangerously of all, the bulls think that China can fix its problems while growing at 7 % or 7.5 % — which is better than the 8 % they used to think is the minimum acceptable, although worse then the 6 % they will undoubtedly cite next year as the minimal acceptable growth rate.

«I think that people are frightened of the unknown,» said Douglas Elliman broker Frances Katzen, who added that she's noticed more homeowners trying to refinance or lock in fixed - rate mortgages in anticipation of rate hikes.

When most people think of mortgages, they think about 30 - year fixed rate loans.

Some of the fees, such as monthly, weekly, invoice factoring, fixed loan or line fees, can be thought as similar to the interest rate on the loan.

But what the administration now thinks is that there was no fix for the economy, in the sense of being able to achieve a recovery at the rate that Americans came to expect.

Indeed, the NIH is already at work on analysis of pay rates for its fellowship programs and, although no fixed plan is yet in place, «stipends across the board are considerably less than what we think they should be,» says Yvonne Maddox, NIH acting deputy director.

They get home loans with great interest rates, low fees and predictable, fixed monthly payments, and they make a budget ahead of time and think about their long - term plans so they don't get in over their heads.

Once this occurs, you can lock in your rate and get the terms fixed, or you can float the rate if you think there's a chance of market improvement, or you're still uncertain when you want to close.

An ARM usually offers a lower initial interest rate, someone choosing an ARM generally wants to take advantage of the initially low interest rate but intends to refinance at the end of the fixed period, or if they think rates will drop further they will take advantage of the rate adjustments while rates decline.

I think that means I will have to refinance after 5 years and that means I will lose the long term protection of locking in a fixed rate mortgage at today's relatively low interest rates.

While it's smart to stay current on the trajectory of rising interest rates, allowing them to change the way you think about your fixed - income investments is assigning them too much power.

Some of the fees, such as monthly, weekly, invoice factoring, fixed loan or line fees, can be thought as similar to the interest rate on the loan.

And so this lengthening of maturities and lengthening of duration has caused these indices to be more interest rate sensitive and some cases, more interest rate sensitive than they've historically ever been, and so by being flexible and not using that as the basis for thinking about the risk of one's investments, what you can do is reduce the interest rate sensitivity of your fixed income portfolio.

I am presuming a fixed rate, though come to think of it I didn't specifically ask for clarification on whether it was fixed or variable.

If you lose sleep worrying about the possibility of a.25 % increase in the interest rate or get stressed thinking about the impact on your monthly budget if your monthly mortgage payment changes, then a fixed rate mortgage is for you.

Good speaking with you today... It's unfortunate your RBC rep can't give you clear answers or guidance... I think if you are selling in 3 yrs, and are not sure about whether you will buy another home, then I would take the 5 yr variable rate... or the 3 yr fixed rate... I like the Variable because your penalty is capped at 3 months interest... we also think interest rates won't go sky high in 3 yrs... it will probably go up but if you are comparing an RBC penalty of $ 4k or $ 5k, then take the Variable... Hope that helps..

Drivers need to be aware, however, that the amount they pay for auto insurance is far from a fixed number; there are many ways that you can lower your rates, and many of them are more accessible than you might think.

That was important for us, because I think that's been part of our strategy, having those 30 - year fixed rates.

okay here's my two cents worth folks im up for renewal and have just nagotiated a rate 5 yr variable1.75 persent or if i want a five yr fixed at 4.49 still quite a gap between fixed and variable here i believe i have a little lee way here apparently i was only interesed in variable and five yr fixed but i made it absulutly apparent to them that when lock in from a variable i get the whosale discounted rate at that time and written into the contract i kinda believe this the way the market is heading as we head out of ressesion and the bank of canada is going to make there move i believe coming up in june and just to make this firm i do not believe the boc will raise rates in fast mode far from it will be slow process i don't care what the ecconmists are thinking we have to remember manufactering sector is reallt taking a hit on the high dollar and don't forget our niegbours to the south how dependent our canada is with them i believe it will be a slow process a lot of people heve put themselves in a debt load over these enormously low interest rates but i may be wrong i think a variable is the way to go if you want to work on that princibal at least should i say the say the short to medium term and betting that the bond markets stay put for the short to medium term - i have given enough interest to the banks maybe i can pay a little less at least fot the short to mediun term here i have not completly decided yet put i think im going variable although i wish my mtge was up a year ago that would have been just great congradulations to all that did.

Once they determine your creditworthiness, they will display an offer with the variable and fixed interest rates they're thinking of charging you.

However, if you are thinking of locking in, it's best to do it for a short time, then you don't lose out for long if rates do go up during the period of your fix (by fixing you lose the flexibility to ditch and switch to a better payer).

Therefore it is best that you figure out how you can fix your credit rating before you even think of looking up Toronto mortgage rates.

It will also raise long - term, fixed mortgage rates, so if you've been thinking of locking in, this would be the moment to do so.

While I think it's reasonable to lower your expectations for bond market returns and allow for higher volatility because of the level of rates, it seems to me that many of the fears about fixed income are overblown.

But I think what tips the balance in favour of a fixed rate these days is that the price you pay for certainty is incredible low.

For example, a $ 200,000 home purchased with 10 percent down ($ 180,000 mortgage) and a 30 - year fixed - rate mortgage at 4 percent will see total interest over 30 years of almost $ 130,000... so in one way of thinking, the total cost of that home wasn't $ 200,000 but rather $ 330,000.

So, you already mentioned the case of somebody who has a fixed - rate mortgage, there's still three more years to run on it but with your app it might tell me interest rates have gone down and it's still better for me to get a different mortgage, pay the penalties, the interest rates will be lower, it'll help me, does that thought process change at all when I have a variable interest rate mortgage?

So, I think those Singapore REITs with a higher percentage of their loans at fixed rates will remain relatively stable and attractive for investors who want to build consistent passive income.

Whether to opt for a fixed or variable rate will depend in part on your financial circumstances, and in part on a judgement of how you think the market is likely to fare in the near future.

Another reason why investors buy fixed annuities, is because they think they're going to lose a lot of principal forever if they buy bonds when interest rates are low (and are about to go up).

But in fact I think what we have here is a very reasonable program that earns points at a fairly high rate based on spend but still provides a few valuable opportunities to redeem them at a fixed number of points per ticket.

Perhaps they'll release a patch to fix those issues... I really never thought I would play and rate a game 1 out of 10 this generation that had these high production values.

I have no doubt the move to next gen will mean the game will look a hell of a lot better, and will probably fix the frame - rate issues that some people seem to think it had (never really noticed it myself really).

While iOS stagnates, paralyzed by the «if it ain't broke, don't fix it» school of thinking, Android continues to innovate and improve at a faster rate.

More than half of the practitioners surveyed (55 percent) said the average 30 - year fixed interest rate would have to increase to at least 7 percent before they think the real estate market will slow down or take a downturn.

The rules apply only to new mortgages, not renewals, but they are significant given that a majority of homeowners are thought to take out the types of fixed - rate mortgages that will be affected by the stricter qualification requirements.

Those numbers tell us that even if you're still convinced that you won't end up having to break your fixed - rate mortgage early, you should think twice before betting thousands of extra dollars in mortgage penalties that you're going to be right.

A fixed - rate mortgage is what most people think of when they imagine how to finance a home purchase.