Sentences with phrase «when calculating»

With FHA loans, we are able to provide greater flexibility when calculating household income and payment ratios.

In these cases, lenders might put much greater emphasis on your more recent earnings when calculating your average income.

While each of the loan servicers will take into account that you have other loans when calculating income - driven repayment amounts, you may not be able to submit the paperwork to your loan servicers at the same time.

When calculating your annual income, remember to take into account all sources.

Companies that pay in cash tend to be more careful when calculating bids and valuations come closer to target.

If a unit has a $ 270 monthly fee — about the national average when you divide $ 85 billion in HOA revenues among 26.2 million units — that's a recurring monthly cost that lenders will consider when calculating the borrower's debt - to - income ratio (DTI).

This can help business owners build their personal credit score, as some credit bureaus — such as Experian and Equifax — consider your business line of credit when calculating your personal as well as your business» credit score.

Members of the armed forces do not normally include nontaxable pay, such as combat pay, in their earned income when calculating the Earned Income Credit.

VA lenders can not gross up non-taxable income when calculating your residual income figure.

Another effect of resetting the acquisition date is that the indexation method is no longer available when calculating capital gains on assets originally acquired before 11.45 am Australian Eastern Standard Time on 21 September 1999.

Mortgage loans and auto loans are relevant when calculating your debt - income ratio.

One of the main factors when calculating the three digit number is payment history.

According to Zillow, this is the only report that uses current outstanding loan balances on all mortgages when calculating negative equity, as opposed to basing outstanding loan balances on the most recent loan on a property, such as the original loan amount at the time of purchase or refinance.

When calculating your expected rental income, subtract 5 % from the total income the building will generate at full occupancy to offset your expected losses from vacancy and bad debt.

Also each dividend reinvestment has a different cost basis and purchase date for when calculating any capital gains or losses.

If both answers are «yes», then you should take into account that a very large chunk of that income will be considered when calculating financial aid for the following year.

Banks usually do not count the 401 (k) repayments when calculating your «Debt - to - Income» ratio, because they think you are «paying yourself».

Dollar and cents amounts will be rounded down to the nearest whole dollar amount when calculating points earned.

This minimum will be taken into account when calculating the monthly payments you will be able to afford.

One thing I found quite aggrevating when calculating these numbers is that some of them are off by ONE BASIS POINT!

Private loans have much higher interest rates and less flexible repayment plans — for example, federal loans offer income - based repayment plans, which take into account your salary when calculating payments — while most private loans do not.

There is no guarantee that credit repair will impact your credit score at all, as many variables are taken into account when calculating your score.

Credit reporting agencies consider total credit utilization as well as the ages of accounts when calculating a credit score.

Lenders will typically need to include your student loan payment when calculating your monthly debt - to - income (DTI) ratio.

When calculating costs, you might also check with your insurance agent about rates.

When calculating closing costs, it may be easier to just factor in 15 months worth of homeowners insurance premium to cover the upfront cost as well as the escrows.

One thing to factor in when calculating the cost of credit repair is how long the credit repair service is going to take to complete the work.

While some financial planners adamantly stick to these averages when calculating various retirement and personal finance investing strategies, I'd like to take a few minutes of your time to explain why this approach is flawed.

QLACs also provide a bit of a tax break — i.e., you don't have to include the cost of the QLAC when calculating RMDs, or required minimum draws, which you generally must start taking from retirement accounts once you reach age 70 1/2.

Credit reporting agencies look at your payment history when calculating your creditworthiness.

This is because most companies use your credit score when calculating home insurance premiums.

It also applies to place a limit on salary or wages when calculating an employee's super guarantee shortfall in a quarter.

Weighted at 35 %, this is by far the most important element used when calculating credit scores.

In this calculator, we took the general guidelines that lenders follow when calculating what a borrower can afford.

When calculating the amount of coverage you need, you should take into account all the expenses you help your loved ones pay for, such as a mortgage, college tuition, or medical care.

«Realtors welcome today's announcement from Fair Isaac Corp., or FICO, that it will no longer penalize borrowers for certain debt - collection activities when calculating credit scores,» Brown said.

Recipients can not assume their state ignores Social Security retirement when calculating unemployment benefits.

And, as with homeowners insurance, lenders will consider those expenses when calculating your debt - to - income ratio and your residual income.

You can ignore SSI when calculating your child's taxes.

The tricky part when calculating returns for options, which varies from investor to investor, is choosing the cost basis.

Maximize retirement funds not counted in income when calculating tax on Social Security.

Both companies offer free values, which you can check on their respective websites, and both use sales transactions when calculating a used motorcycle's value.

Under the new system, FICO will ignore paid collection accounts and place less emphasis on medical bills when calculating scores.

I prefer to use Professor Robert Shiller's P / E10 when calculating the speculative component.

CRA uses pools when calculating CCA — all capital items are divided into classes and then pooled together.

Royalty and Delivery Cost Calculation: When calculating delivery costs, we will round the cost up to 2 decimal places for all currencies except JPY, which will be rounded up to the next whole number.

We will also round up to 2 decimal places, or to the next whole number for JPY royalties, when calculating royalties.

VAGUE ADD - ON COSTS: When calculating how much you will earn from the sale of an ebook at Amazon, consider that under the 70 % plan, you will be charged delivery costs based on the size of your book.

There are still some issues with speed when calculating your BEST, WORST, and AVERAGE sales rank causing massive slowdown using the new system.

With the help of a machine - learning algorithm, Amazon now gives greater weight to newer, more helpful and verified customer reviews when determining top reviews to display, and when calculating a product's overall rating.