Sentences with phrase «year qualifying rate»

But the association predicts the pace of sales will cool due to several factors, including a five - year qualifying rate for a mortgage that is forecast to reach 5.70 per cent by the fourth quarter of 2019.

Not exact matches

The rules jack the qualifying rate on all new five - year mortgages for homes under $ 1 million to the Bank of Canada benchmark — currently 4.64 %.

He quickly found the right place — a $ 344,000 condo in the Yonge and Eglinton neighbourhood — after qualifying for a 2.89 % five - year fixed - rate mortgage.

If you do choose to sell any investment held outside of a tax - deferred account, such as an IRA, make sure, if at all possible, you hold it for at least one year and one day in order to qualify for the long - term capital gains rate.

To qualify for federally regulated mortgages, borrowers must be able to afford interest rates that are two percentage points above the contracted rate or the Bank of Canada's five - year benchmark rate, whichever is higher.

As part of the new TCJA, access to favorable capital gains tax rates now demands a three - year holding period; previously, an investor needed only to maintain his or her position in the startup for 12 months to qualify for a lower rate on an eventual sale.

For example, if you apply for a $ 250,000, 30 - year, fixed - rate mortgage and your credit score is between 760 and 800 (which is excellent), you could qualify for a rate of 5.9 percent.

Businesses with many years under their belts and stellar business credit are more likely to qualify for unsecured lines at reasonable rates.

Homeownership program - Qualifying first - time homebuyers are eligible for affordable 30 - year fixed - rate loans.

Just this month, in December 2013, the company finally — after years of submissions and applications — received confirmation that it qualified to be put on a «separate rate» list of preferred companies granted lower export duties to the U.S. market.

This can help you to qualify for the lowest possible 30 - year fixed mortgage rate.

Certain states have special home loan programs that give homeowners a shot at qualifying for 30 - year fixed mortgages with low rates.

Accountability must be determined on the basis of performance evaluations based on true industry value metrics (e.g., success rates in the number of newly founded technology companies bringing products / services to market; return on investment in 3 to 5 years; expansion into mature entities; growth in the numbers of technology graduates and Highly Qualified Personnel (HQP) employed in Canadian SMEs).

Lendistry's SBA Loans offer qualifying businesses planning for long term growth rates no higher than 10.25 % *, terms up to 10 - years, and monthly payments.

Spending a few more years getting your student loans or other debts paid down could mean that you would qualify for a lower interest rate or a higher loan amount.

In general, you'll need a credit score of 640 or more to qualify, and you can borrow up to $ 35,000 with rates between 6 % to 30 % and terms of three to five years.

For example, certain borrowers might qualify for the 30 year fixed - rate version, but not the 15 year fixed - rate or 5/1 ARM, depending on their loan amount or credit score.

This means that if your total monthly debt — including the mortgage payment — uses up more than 43 % of your monthly income, you could have trouble qualifying for a 30 - year fixed - rate mortgage.

Working with various partners, the Arizona Housing Finance Authority provides 30 - year fixed - rate mortgage loans to qualified home buyers.

The law contains several provisions favorable to businesses, including a cut in the corporate income - tax rate to 21 %, down from 35 %; the ability to write off qualified investments in new facilities right away, rather than over several years; and the potential for a 20 % income deduction for small - business owners who own companies via pass - through entities.

According to data from FICO, an applicant as of this writing with a good 680 score qualifies for an APR of 3.71 percent for a 30 - year fixed - rate mortgage.

There are strings and conditions, of course, but essentially it gives angels the benefit of a zero capital gains rate for investments made in «qualified small business stock» that is purchased within a set time frame and held for a minimum number of years.

Starting Oct. 17, all buyers with high - ratio mortgages — less than a 20 per cent down payment — must qualify based on the five - year benchmark posted rate, even if they have negotiated a lower five - year fixed - ate term.

There may be some restrictions on the age of the car, but if it is less than four years old, it should be able to qualify for late model or new car rates.

on the age of the car, but if it is less than four years old, it should be able to qualify for late model or new car rates.

However, the tax law requires that the underlying investment be held for at least three years to qualify for the capital gains rate.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

We recommend Funding Circle over OnDeck if you want monthly repayment or longer loan terms up to five years or if you can afford to wait to qualify for a lower rate.

Thanks to mortgage interest rates coming down for 30 + years, qualified real estate investors can borrow money at 30 + year lows.

The board is happy to make profit by selling our best players, still qualifying for CL every year with second rate players and having a manager who will take the blame for them.

After finishing his rookie season with a 76.6 passer rating, a jump was expected in his second year, but a 102.4 rating through three games certainly qualifies as overachieving.

Urena is a [frantically googles] right - handed... starter, who, uh... [still googling] was acquired in 2008 as an amateur free agent and... [moving on to Bing]... was strangely effective last year, with a 14 - 7 record despite a 5.20 FIP and one of the lower strikeout rates among qualifying starters?

As much as I wanted the Egyptians to qualify — I would have rated their chances at making an impact on the tournament next year — for the Algerians to pick themselves up after the 2 - 0 loss in Cairo on Saturday and produce that result showed amazing character.

Families qualifying for tuition reduction at the same rate as in the previous year are expected to increase their tuition payments at least commensurate with the tuition raise.

Discounted or hosted media stay rates may be offered at select times of the year to qualifying members of media who are on assignment or researching for future editorial consideration.

At each visit, there must be at least one adult and one child 15 years old or younger to qualify for the Museums for All admission rate.

To qualify for the Museum for All rate, the group must include at least one adult and one child 15 years old or younger.

Homeowners could also qualify to finance the remaining cost over 15 years at a fixed interest rate of three percent.

To qualify for the full rate, a person will need to have at least 35 qualifying years of National Insurance contributions in the Isle of Man.

After living in southern California for a year, Tamer was able to qualify for in - state tuition rates at Chaffey College, a community college in Rancho Cucamonga.

Rating: PG - 13 Year: 2014 Cast: Skeet Ulrich, Christian Kane, William Devane Director: Jim Wilson Based on the true story of Mine That Bird, a crooked - footed racehorse that qualified for the Kentucky Derby in 2009, and his misfit cowboy owners who got him there.

High mobility rates and a 10 - year service requirement for teachers to qualify ensure that less than half of Michigan's new teachers will remain long enough to earn a pension

Regardless of whether I use the pension plan assumptions or the actual turnover rate, the lines show that half of all new teachers will not reach ten years of service and will not qualify for a retirement benefit.

In order to qualify for the funds, schools have to meet certain criteria such as an «inadequate» rating from their most recent Ofsted inspection, receiving a warning notice during the past three years, or having an overall Progress 8 score of less than -0.25.

These recruiting institutions, as measured by rankings, graduation rates, and average SAT scores published by Barron's Profiles of American Colleges, are more competitive, on average, than other, non-recruiting four - year institutions attended by Hispanic students who fall just short of qualifying for the NHRP program.

A career educator can work and pay into the retirement system with lower teacher or principal contribution rates for the majority of their working years and still qualify for a pension for the rest of their life based on their much higher superintendent's salary.

Using present - day assumption rates, this means that rather than 67 percent (the expected rate of teachers staying for five years) teachers vesting into the pension system, only 38 percent (the expected rate of teachers staying for 10 years) are expected to qualify for a pension.

This report provides a broad overview of state efforts, as of the 2011 - 12 school year, to monitor equitable access to qualified and effective teachers among schools; develop and adopt multiple measures of teacher performance to rate teachers among at least three performance levels; and implement targeted strategies for promoting equitable access to qualified and effective teachers.

A school that has received an «A» or «B» grade in the last three years would qualify as highly rated.

To qualify for the distinction, schools must exceed all state and federal accountability benchmarks for two consecutive years and achieve pass rates on reading and mathematics SOL tests at or above the 85th percentile.