Sentences with phrase «with debt ratios»

And, in most cases, borrowers are allowed to use the rent from recently purchased investment properties as «documentable income» to help with debt ratios.

But the lender still had a problem with our debt ratios.

Similarly, borrowers with debt ratios above the 31/43 rule might still qualify for an FHA loan if they have the compensating factors mentioned above.

In many cases, mortgage lenders are able to approve FHA borrowers with debt ratios above 43 %, if they can document factors that compensate for the higher debt level.

A buyer which can show a strong credit score, for example, or deep reserves can generally get approved with debt ratios in excess of the recommended limits.

The Agency will notify the lender of concurrence with the debt ratio waiver request by issuance of Form RD 1980 - 18, «Conditional Commitment for Single Family Housing Loan Guarantee.»

Only the compensating factors listed in this AN with supporting documentation will be considered for Agency concurrence with a debt ratio waiver.

Not exact matches

You can express this as a ratio — the credit utilization ratio — to figure out how much leeway you have with your outstanding debt and credit.

«With world GDP growth running above potential, the debt - to - GDP ratio continues to decline,» the IIF said.

«While China's total debt growth slowed notably in 2017 with a drop in the non-financial corporate debt - to - GDP ratio largely offset by rising household and financial sector debt,» the group said.

Our goal was to come up with spending cuts and revenue increases that would keep the ratio of debt to GDP at or below where it was at the end of 2017, at 76 %.

Japan's government has among the highest debt levels in the world, with a debt - to - gross domestic product (GDP) ratio of 220 percent.

Benjamin Tal, an economist with CIBC, reported in a study earlier this year that heavy borrowers, those with household debt - to - gross income ratios above 160, accounted for 34 % of all borrowers compared to 26 % in 2007.

«The Old Line State [heads] our top 10 states [list] with the highest debt - to - income ratios.

American's debt - to - capital ratio is an industry - high 90 %, and it's just beginning to realize cost savings from its merger with US Airways.

Clients are unaware that they should keep their overall debt ratio — as well as within each credit account — below 30 percent of their credit limits, said Paul Stagias, certified financial planner with Francis Financial.

Since then, debt loads escalated quickly, with a combined debt - to - GDP ratio of 84.2 % in 2010, up from 82.1 % in 2000.

«Virginia comes in third, with a debt - to - income ratio just below 2.

And when asked whether the «US debt - to - GDP ratio will be substantially higher» in 10 years under the bill compared with current law, 88 % of the economists agreed or strongly agreed, 2 % were uncertain, and the rest abstained.

It would be more effective and Ottawa, with its low debt - to - GDP ratio, can afford it, he said.

As with any ratio, this depends on a company's industry; however, it's generally accepted that industrials should maintain a debt - to - equity ratio between 0.5 and 1.5.

An example of this was seen during the financial crisis of 2008/09, whereby many financial institutions overleveraged themselves with debt, and as assets fell in value, the ratio of debt within the organizations became too high to be sustainable.

At my current debt - to - income ratio I would never be approved for another mortgage at the moment, so I am not sure what I could do better with that 23k / yr than I already am.

I don't think anyone disagrees with the idea that a low deficit with a modest stable debt / GDP ratio is sustainable in the absence of dramatic new demands.

If Tim Hortons increased its ratio of adjusted net debt to four times earnings with C$ 2 billion of debt it could fund a special dividend of $ 13 a share or buy back up to 23 percent of the stock, the note said.

Regardless of the somewhat mixed results with the debt - to - equity ratio, the company's quick ratio of 1.11 is sturdy.

The paper concludes that with the policy changes to date, including budget cuts and the changes to the Canada Health Act and to the elderly benefit system, the federal government will have a long - term sustainable fiscal structure characterized by a declining debt to GDP ratio.

Even achieving the present trajectory of domestic demand that we have, which has left the economy with a bit of spare capacity, has involved some net rise in the ratio of household debt to GDP.

As long as your debt - to - income ratio is low, however, and you have a larger equity position — meaning you can afford a larger down payment — you stand a good chance of getting approved for a loan with a decent interest rate.

Canada, with second highest debt - to - GDP ratio among the G - 7 and facing a potential separation, was close to hitting the debt wall.

Make sure that your exceptional credit score is coupled with a low debt - to - income ratio to improve your chances of getting a mortgage loan with a lower interest rate.

Unless the federal government believes that it is more important to steadily reduce the debt ratio (to 20, 15, 10, or zero per cent), rather than dealing with other critical policy issues, then the federal government will soon have to start running deficits.

The 2013 survey also suggests that hedging ratios for foreign equity assets were lower than those of foreign debt assets, which is also consistent with the results of the 2013 National Australia Bank Superannuation FX Survey (NAB Survey; NAB 2013).

The spike doesn't add up when you consider that 30 - year mortgage rates fell from December 2016 to December 2017, while the percentage of mortgage loans with debt - to - income ratios over 45 % rose from 7 % to 20 % over the same time.

In terms of debt management, the committee was satisfied that the increased spending is being reasonably matched with economic growth, such that the important debt - to - GDP ratio remains stable through the projected years.

Negative equity borrowers often achieved high loan - to - value ratios with subordinate liens in addition to their first lien and had higher than average debt - to - income ratios.

«The bank expects trend growth in household credit to moderate further, with the debt - to - income ratio stabilizing near current levels.»

Banks want to see borrowers with good personal credit, a strong business and a low debt service coverage ratio.

As with student loan refinancing, a mortgage lender will calculate your debt - to - income ratio to determine your ability to make monthly payments on the new mortgage.

On top of that, your total debt - to - income ratio should be no more than 45 percent with your loan.

Also, General Partners who have structured their fund with an SBIC license (typically a 2:1 debt to equity ratio), use the secondary market to decrease or remove leverage on the fund.

The three organizations try to compute a «fiscal gap,» a deficit that must be closed either with spending cuts, tax hikes or a combination of both which keeps a country's debt / GDP ratio under control, he explains.

This is the next great challenge for Beijing, and when the regulators finally do start to repair overextended balance sheet, with a much higher debt - to - GDP ratio than any other country at China's stage of economic development, according to a presentation Monday night by my very smart former student, Chen Long, I expect annual GDP growth rates will continue dropping steadily, by 1 - 2 percentage points a year through the rest of this decade (and there has been increasing talk in the past month or two that GDP growth rates are already 1 - 2 points below the printed rates).

Combining fiscal prudence with investments in economic growth, we will end the Harper legacy of chronic deficits and reduce Canada's federal debt - to - GDP ratio each year.

According to CFPB director Richard Cordray: «it does not stop lenders from lending to any borrower with a debt - to - income ratio above 43 %; this particular claim is wrong in three ways.»

Example: A person with a monthly income of $ 4,000 and total monthly debts of $ 1,500 would have a DTI ratio of 37.5 % (because 1500 / 4000 =.375, or 37.5 %).

On the other hand, though, Prosper accepts borrowers with a higher debt - to - income ratio.»

Central banks globally continue to devalue currencies through inflation to deal with overly leveraged debt - to - GDP ratios.

With that being said, having a total debt - to - income ratio below 50 % will improve your chances of getting approved for a loan.

Analysts with Fannie Mae reviewed years worth of data and determined that there are many potential borrowers with debt - to - income ratios in the 45 % to 50 % range who are otherwise well qualified for a home loan.