Sentences with phrase «with higher debt ratios»

But statistically, borrowers with high debt ratios are more likely to miss payments and cease payments (also known as delinquencies and defaults).

Not exact matches

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

«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.

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.

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.

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

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.

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).

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

According to Australian economist William Mitchell, ``... the Japanese experience with sustained high fiscal deficits, the world's largest public debt to GDP ratio, close to zero interest rates, and deflation, was totally at odds with (neo-liberal) economic theories.

Speaking of a system bulging with debt protruding from every crevice, Jim Quinn's Burning Platform featured a must - read article yesterday in which the author has discovered that the Loan - To - Value Ratio on Fannie Mae - issued mortgages is now at its highest level in history — nearly 10 % higher than at the peak of housing bubble 1.0:

With the Spanish banking sector's bad - debt ratio hitting a record 6.5 % in May, a 16 - year high, stress test results brought few surprises and highlighted the need for further sector consolidation.

You might be able to get away with a FICO score as low as 620, or a small down payment, or a high debt - to - income ratio, but don't expect an approval if you are «borderline» on several fronts.

Just like an individual whose debt far outweighs his or her assets, a company with a high debt - to - equity ratio is in a precarious state.

You'll also have a better chance of qualifying for a loan program with a higher debt - to - income ratio if your score is higher.

«Sometimes a higher down payment may be asked, and the fact that you will likely be required to pay a monthly condo association fee can skew your debt - to - income ratio negatively,» says Klaus Gonche, Realtor with Fort Lauderdale - headquartered Century 21 Hansen Realty.

The revised data including the financial intermediation service charge suggest a slightly higher debt - servicing ratio over recent years than that indicated by the RBA's earlier estimates, with the revised ratio averaging 1/4 — 1/2 of a percentage point higher over recent quarters.

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.

As you can see in the table below, FHA allows higher debt - to - income ratio limits for borrowers with one or more «compensating factors.»

Borrowers with good credit and one or more of these compensating factors could be approved even with a debt - to - income ratio of 50 %, and sometimes higher.

Compare two households — one in 1993 and the other in 2003 — that have the same percentage of their income used in debt service, and have the same gearing ratio (level of debt as a percentage of value of house), but with the 2003 household having a debt level nearly twice as high as the 1993 household.

It is similar as with credit card - they don't care if I'm having balance on it as long as I'm paying minimal payment and my debt - to - income ratio does not go too high.

Using the B&B: 08/12 data, we examine total debt - to - income ratios for individuals who are employed full - time in 2012 and not currently enrolled, and find that black students with graduate degrees have debt - to - income ratios that are 27 percentage points higher than white graduate degree holders (even after controlling for other characteristics such as parental education and income).

The second strategy for getting a car loan with a high debt to income ratio involves truthfully increasing the earnings you report on the application.

There are other examples not specifically mentioned here such as a monthly housing payment being low by comparison to the borrowers» monthly income or a high debt to income ratio might be allowed if a house with a mortgage against it is pending sale but won't close prior to the need for the new mortgage.

With lending guidelines taking a more open mind, it's time to look to compensating factors when a situation arises where a credit score is slightly low, a debt to income ratio is high, a buyer needs to temporarily assume 2 housing payments and a number of other circumstances.

Southern's financials are typical of a utility: Slow, steady growth combined with a fairly high debt ratio.

If you have a good credit score but with a high debt to income ratio, a consolidation loan with long repayments terms may be viable.

If you have a challenge in qualifying for a loan — such as a low credit score, a spotty job history, a high debt - to - income ratio, income from self - employment or a side business — you may want to discuss your options with multiple lenders, because you'll find more variation in the cost of the loan.

For instance, some mortgage lenders will approve borrowers with front - end debt ratios of 30 % or higher.

Borrowers with higher credit scores typically receive lower APRs, but lenders may also take into account your debt - to - income ratio, among other factors.

Use to be that if a borrower had other compensating factors such as a large reserve of liquid assets then they would approve the loan with a higher than normal debt to income ratio.

Dear Europe: Please stop it with the default threats, budget deficit projection scares and high debt - to - GDP ratio fears.

For those with high debt - to - income ratios, landing a home loan may be challenging, but it's far from impossible.

After a couple months my credit scored dropped back to 786 because of the new higher debt ratio but I don't care because it will go backup when I'm done with THEIR money.

Hormel's balance sheet is one of the strongest in corporate America, with cash exceeding debt, a very strong current ratio (short - term assets / short - term liabilities), and a high interest coverage ratio.

Federal Housing Administration (FHA) loans allow borrowers to get into a home with a high debt to income ratio, allowing for a slightly higher mortgage payment amount than the buyer might normally qualify to pay.

Filed Under: Credit Score, First Time Home Buyer, General, Purchase Tagged with: buyer, credit, debt, Debt - To - Income ratio, good debt to income ratio, high debt to income ratio, home owner, income, Mortdebt, Debt - To - Income ratio, good debt to income ratio, high debt to income ratio, home owner, income, MortDebt - To - Income ratio, good debt to income ratio, high debt to income ratio, home owner, income, Mortdebt to income ratio, high debt to income ratio, home owner, income, Mortdebt to income ratio, home owner, income, Mortgage

We both have high credit scores, but with the loan, my debt - to - income ratio (DTI) was just a little higher than I liked it.

A recent report from Ellie Mae, a company that provides mortgage loan data, shows that more consumers are being approved for FHA loans with lower credit scores and higher debt - to - income ratios than in 2012.

Sole head of household with at least one depoendent residing in home, household of four or more people, disabled household member, housing only debt ratio higher than 28 % of income.

Certain lenders cater to borrowers with low income, while others specialize in creating mortgages for people who have limited documentation, high debt - to - income ratio, or a short credit history.

Borrowers with high debt - to - income ratios are most likely to fall behind on payments.

FHA loans provide homebuying opportunities for individuals with higher debt - to - income ratios.

Hengfu seeks to find stocks with strong earnings and sales growth, favorable p / e / g ratios, high operating margins, low debt - to - equity, consistent free cash and relative price strength.

Debt negotiation could be the right choice for many Americans who are struggling with high debt to income ratDebt negotiation could be the right choice for many Americans who are struggling with high debt to income ratdebt to income ratios.

Consolidating your debt with a personal loan could be a better choice than making minimum payments, but you might have trouble qualifying if your debt to income ratio is already high.

A higher ratio means that the borrower may be over-straddled with other debt.

With a debt service ratio of over 40 % there is a high risk that you will default on your loan payments.