Sentences with phrase «variable rates which»

Please note that this calculator does not adjust for variable rates which may increase or decrease your monthly payment when the rate changes.

Our home equity line of credit has a variable rate which changes when the prime rate changes (as published in the money rates section of the Wall Street Journal).

Not exact matches

Such rates will generally be higher than what home buyers currently pay, not only because banks now offer substantial discounts from posted rates, but also because many buyers (40 % according to a July 2011 TD Bank report) take mortgages with variable rates, which are lower than fixed rates at least 85 % of the time.

In addition to having fewer flexible repayment options, private student loans are also slow to offer forbearance and are well - known for their unfriendly variable interest rates, which can swell into the double - digits.

Expenses can be divided into fixed (those that must be paid, usually at the same rate, regardless of the volume of business) and variable or semivariable (those which change according to the amount of business).

But if you have a private loan, those loans may be fixed or have a variable rate tied to the Libor, prime or T - bill rates — which means that as the Fed raises rates, borrowers will likely pay more in interest, although how much more will vary by the benchmark.

«The cumulative effect of interest rate hikes is going to begin mounting,» said Greg McBride, Bankrate.com's chief financial analyst, particularly on variable - rate loans such as credit cards, home equity lines of credit and adjustable - rate mortgages, which could rise within one to two statement cycles.

Variable interest rates usually have a «rate cap» which means that the rate is guaranteed not to rise past a certain point.

The new loan could have a lower interest rate, both fixed and variable are offered, which could save the borrower a significant amount of money over time in interest payments.

Piggybacks are typically home equity lines of credit (HELOC), which are variable rate loans.

Watch out for open - ended loans with a variable interest rate, which fluctuates depending on the market.

The downside is that the interest rate on a HELOC is variable and often tracks any movement in the federal funds rate, which is expected to increase up to three more times after this week's quarter - point hike.

A variable interest rate will be based upon an interest rate index (see above), which will be associated with the bank's cost of capital.

To attribute the entire decline in stock yields to interest rates as if it is a «fair value» relationship is to introduce a profound «omitted variables» bias into the whole analysis, which is exactly what the Fed Model does.

But of the inputs, one variable is by far the most important: the discount rate, which is tied to the market interest rates Buffett has been talking about.

From the perspective of the insurer, structured variable annuities represent a new generation of «capital - efficient» products — which is to say capital efficient for insurers facing low interest rates.

Fixed vs. Variable Regular APR — Fixed is preferred for most people carrying a balance on a credit card since this means your interest rate won't change, but variable rates can be beneficial too as long as you understand the range on which your interest rate cVariable Regular APR — Fixed is preferred for most people carrying a balance on a credit card since this means your interest rate won't change, but variable rates can be beneficial too as long as you understand the range on which your interest rate cvariable rates can be beneficial too as long as you understand the range on which your interest rate can vary.

Private student loans usually have variable interest rates, which can change depending on economic conditions.

In that case, the number of bookshops, which is a systems output — generated organically by the size of the city, the rate of literacy, the income of residents, and other relevant factors — would serve as a proxy for literacy, while population or income would serve as proxies for whatever variable one wants to measure.

Unlike fixed rates, which stay the same over the life of the loan, variable rates fluctuate over time.

That's because there's much less time for rates to increase, which makes it more likely that you will keep the savings you get with the initially lower variable rate.

These coins use the variable Proof of Stake interest rate which will provide periodic payments.

Indicator rates on variable - rate business loans have been largely unchanged over the past six months, although the average interest rate paid by small business borrowers on variable - rate loans — which includes indicator rates plus applicable risk margins — has continued to fall.

Also, consider that refinancing gives you access to variable interest rates, which increase or decrease during your repayment according to market influences.

This widening in the gap between fixed and variable housing rates is likely to have contributed to the pick - up in the proportion of borrowers choosing to take out fixed - rate housing loans: in November 2004, the latest available data, 11 per cent of new owner - occupier housing loan approvals were at fixed rates, up from 7 per cent three months earlier and the highest share since the beginning of 2004, which followed a period of monetary policy tightening (Graph 45).

Credit card interest rates are often variable and track the prime rate, which is tied to the federal funds rate.

Variable Rate Demand Note Inventory and Remarketing PNC has a portfolio which approaches $ 8 billion and includes issues enhanced by letters of credit from investment grade commercial banks and insurance companies with bank liquidity facilities.

Due to the risk of benchmark rates rising to extremely high levels, most variable rates have ceilings which can help protect borrowers.

So, market participants who buy and sell bonds at different prices are expressing different views about a number of variables: the likelihood that these cash flows will be received (credit quality); the velocity at which they may be received (prepayment or extension); their relative value to other bonds; and their interest rates relative to prevailing rates.

But with the Bank of Canada signaling Wednesday it won't be raising rates — its neutral stance could even mean lower rates — consumers can safely slide back into variable mortgages tied to prime which tracks the central bank rate.

As a rule of thumb, we often recommend variable rate loans, which tend to have the lowest interest rates, to folks who plan on aggressively paying off their loans (5 years).

Although interest rates have hovered near historic lows recently, the LIBOR benchmark rate, on which most variable interest rate loans are based, more than doubled in the year through July 2017, dragging payments for variable interest rate student loans up with them.

The Funds will hold securities with floating or variable interest rates which may decline in value if their coupon rates do not reset as high, or as quickly, as comparable market interest rates.

However, the calculated initial drawdown rate is based on the Extended Mortality variable withdrawal strategy which can decrease if market conditions are unfavourable, as demonstrated in the example at the end of chapter 4.

Most caps on variable interest rate student loans are roughly 8 - 9 %, which can help decrease the risk of a rising interest rate.

You usually have the choice of a home equity line which has a variable rate, or a home equity loan that has a fixed rate.

Often, the card will have a «variable» rate, which is tied to some other economic «index» such as the prime rate.

That is, given the current state of the economy, and given the objectives for policy (the inflation target and a preference for avoiding undue instability in real GDP), the model can be asked: what is the path for interest rates over the relevant horizon which will minimise the variance of the objective variables around their targets?

(Federal student loans carry a fixed rate, but private student loans generally base variable rates on the Libor index, which tends to track the fed funds rate.)

The interest rate is also variable, which means it fluctuates over the life of the loan.

Offer Eligibility: Special Variable Rate Offer of Prime minus 0.26 % for the life of your line of credit (the «Offer») is available only on Home Equity Line of Credit (HELOC) applications in amounts between $ 25,000 and $ 1,000,000 that are received between April 1, 2018 and June 30, 2018, which close on or before August 15, 2018.

Applicants must good to excellent credit to qualify for this card that offers 0 % interest on balance transfers and purchases for 18 months which then raises to 13.24 % -23.24 % variable rate.

However, you may save money with the variable rate, which is typically lower, if you can pay off your student loans in a couple of years.

This is particularly pertinent if you have variable rates, which could increase with a Fed rate hike.

These models are also in contrast to variable speed evolution, which maintains that different species evolve at different rates, and that there is no reason to stress one rate of change over another»

The Nielsen Company, for example, each November produces a «Report on Syndicated Program Audiences» which lists not only audience sizes for the various syndicated religious programs, but also age and sex variables, national and DMA ratings, and syndication information.

This may affect the ability to infer which thermoregulatory variables are being monitored in the presently proposed anticipatory regulation model, because it is the timing of the changes in work rate that is essential, and rectal temperature may not provide the necessary resolution of measurement.

Another important variable that comes into play here is flow rate, or how quickly milk comes out, which affects how quickly the baby will suck and swallow.

The cost is highly variable, and at least for now, Facebook's price structure rewards success: the higher the rate at which a particular ad run is clicked, the lower the cost becomes over time.

Liu sent a first letter backed by a smaller coalition in July to some of the country's largest banks, encouraging them to amend their mortgage modification practices in order to better serve customers who have fallen victim to variable - rate and other mortgages, which have left many people struggling with crushing debt.