Sentences with phrase «years by lowering their interest rate»

The affordability of Homeownership has been helped in recent years by low interest rates and the availability of high loan - to - value mortgages backed by mortgage insurance.

Not exact matches

Buoyed by uncommonly low interest rates, the industry has boasted of double - digit returns; the past few years, at least anecdotally, have been especially rich.

Last year, Poloz was guided by the numbers in front of him, not theoretical concerns about the potential damage of lower interest rates.

Over-valuation doesn't look so severe by this measure because a big component of mortgage payments — interest rates — is very low and incomes have continued to rise over the years.

Record - low interest rates, as set by the Fed in recent years, have squeezed bank margins.

Over the past few years, public pensions including California Public Employee's Retirement System (CalPERs) and California State Teacher's Retirement System (Calstrs)-- the largest in the country by assets — have posting mediocre returns due to low interest rates and growing retirement obligations.

«Our «rational exuberance» rests on a combination of above - trend US and global economic growth, low albeit slowly rising interest rates, and profit growth aided by corporate tax reform likely to be adopted by early next year,» Kostin said in a report for clients.

LONDON, Oct 3 - Key Euribor and Libor bank - to - bank rates hit fresh record lows on Wednesday, as the huge volume of cash pumped into the banking system by the European Central Bank and the prospect of further cuts in its interest rates extended a year - long slide.

LONDON, Oct 3 (Reuters)- Key Euribor and Libor bank - to - bank rates hit fresh record lows on Wednesday, as the huge volume of cash pumped into the banking system by the European Central Bank and the prospect of further cuts in its interest rates extended a year - long slide.

LONDON, Oct 3 - Key Euribor bank - to - bank lending rates hit fresh record lows on Wednesday, as the huge volume of cash pumped into the banking system by the European Central Bank and the prospect of further cuts in its interest rates extended a year - long slide.

Alexander agrees that we'll remain in a low - interest - rate environment for at least two or three years, though he can see the Bank of Canada increasing rates by, at most, 1 % between now and 2015.

The economy may be healthy enough for them to raise interest rates, but the new 0.5 percent to 0.75 percent target for the benchmark fed funds rate, up a quarter point from where it had been, remains far below the historical norm — and, by all indications, the Fed still expects rates to stay low for at least a few more years.

Yields in the $ 14 trillion market for U.S. government debt touched record lows in 2016, driven by years of aggressive central bank intervention in the wake of the 2008 - 2009 financial crisis to keep interest rates low to stimulate the economy.

Plus a majority of the capital is provided by the secondary market on 30 year fixed low interest rate debt.

Over the last several years, many Americans have been able to save on monthly payments on their mortgages and other loans by refinancing to the low interest rates available in the market.

Emerging - market companies have piled on debt in recent years, allured by low interest rates from yield - starved investors.

Despite interest rates remaining very low by historical measures, any dental organization looking to utilize external funding for projects this fiscal year should be aware of potential changes and possible budget implications.

World growth will remain low on average but negative in the UK and Europe; price inflation will remain sufficiently subdued for a while longer so as to impose no constraint on monetary expansion; central banks will sustain a regime of negative real interest rates and rapid monetary expansion; the risk of a eurozone collapse is off the table for now; finally, stock markets should continue to perform better than expected, even though the four - year old cyclical bull market is long by historical standards.

Back in those dark days, Carney took the unprecedented step of guaranteeing low interest rates for 15 months, a market - calming innovation copied this year by the U.S. Federal Reserve.

Product development last year was muted as low interest rates made it difficult for companies to tweak lifetime guarantee withdrawals, step up benefits and the adjust fees charged by insurers.

Low or negative real interest rates, measured by the difference between the 3 - month Treasury bill yield and the year - over-year rate of CPI inflation.

Over the past 30 years, during which earnings growth hasn't been stellar, market values have instead been driven by Federal Reserve - induced low interest rates leading to corporate share repurchase strategies and merger and acquisition activity.

Since the global financial crisis in 2008 - 09, a combination of low inflation expectations and a bond - buying program by the Federal Reserve have helped keep bond yields low but they have climbed this year as inflation has picked up and the Federal Reserve raised interest rates.

I live in a low almost deflationary enviroment (Europe) and was checking out some retirement software and something keep throwing me off, took me a bit to figure it out but it was inflation, like WTF is that and then I remembered I lived in Spain during the housing bust and now in Germany with negative real interest rates and I'm simply not used the idea that prices increase each year simply because time goes by.

It has already started in the U.S.: The Federal Reserve has responded to low unemployment by raising interest rates 3 times in the past year, and I expect another rate hike in December.

If you're only planning to stay in a home for a few years, you might be able to secure a lower interest rate by using an ARM loan (as opposed to a fixed - rate mortgage).

U.S. government bond yields and the dollar rose, while U.S. stocks fell on Sept. 20 after the Federal Reserve signalled it still expects to increase interest rates one more time by the end of the year despite a recent bout of low inflation.

By the end of the year, the Fed had reduced interest rates to near zero and had launched controversial programs, such as buying bonds to lower mortgage and other long - term rates to spur borrowing.

Dwelling investment increased strongly over the first half of this year, supported by low interest rates and government programs aimed at boosting the housing sector.

Economic growth fell to a five - year low of 7.3 percent last quarter but investor sentiment was recharged by Beijing's surprise interest rate cut Nov. 22 that is expected to put a floor under the slump.

Economic growth fell to a five - year low of 7.3 percent in the latest quarter but investor sentiment was recharged by Beijing's surprise interest rate cut Nov. 22 that is expected to put a floor under the slump.

The investment world is skewed by the latest round of monetary policy experimentation by the Fed, including years of artificially low interest rates and trillions of dollars in «massive asset purchases,» to paraphrase former Fed Chairman Ben Bernanke.

The most recent and thorough of these, by Lukasz Rachel and Thomas Smith at the Bank of England, concluded that for the industrial world, neutral real interest rates have declined by about 4.5 percentage points over the last 30 years and are likely to stay low in the future.

Carney's first year in office has been defined by a «forward guidance policy,» which kept rates low and closely tied an interest rate rise to a drop in unemployment.

Using the student loan calculator at youcandealwithit.com, it is easy to see how the savings can pile up by paying interest as it accrues, even at the comparably low rate of 4.66 % for four - and - a-half years.

Today's low interest rates offer you the option of further reducing your monthly payment by sticking with a 30 - year loan OR shaving years off your mortgage by refinancing to a 15 - year.

As a result, U.S. stocks have reached many all - time records this year, supported by double - digit earnings growth for the S&P 500, better revenue growth and still - low interest rates.

Total premium, hit hard by regulatory changes and low interest rates, fell 16 percent to $ 11 billion last year compared to 2016, the Minneapolis - based company said.

For example, if you have four years remaining on a five year loan for $ 25,000 with a 7.75 percent interest rate, you could lower your monthly payment by $ 28 and save nearly $ 1,400 in interest costs by refinancing into a 4.75 percent loan.

The federal government would borrow on behalf of this Crown Corporation by issuing 30 - year bonds at historical low interest rates (around 2 %).

On balance, it seems likely we're in a speculative bubble, fuelled by the record low interest rates of recent years and the arrival of Buy To Let investors scared of the stock market.

The agreement implied austerity measures and included the extension of the repayment period to 15 years, the lowering of the interest rate to 3.5 % and a 53.5 % haircut accepted by the private bondholders.

After the unexpectedly rapid turnaround in monetary policy by the Bank of Canada — with July's increase in Canadian interest rates coming almost a year earlier than had been widely predicted only a few weeks earlier — the attention of market participants turned to Australia, where interest rates remained at record lows.

Moreover, by keeping short - run interest rates near zero for more than seven years, paying interest on excess reserves (IOER) above the effective fed funds rate, and convincing markets that rates would stay low for a long time (forward guidance), the Fed has increased the reach for yield and appears more interested in priming Wall Street than in letting markets set interest rates and allocate credit.

Gross expects the Federal Reserve to lower interest rates by another three - quarters of a point, increasing the odds of a modest economic recovery by year - end — and boosting the bond market.

But, I was able to get a free loan modification by BoA for the vacation property out of the blue last year, which lowered my payments by a whopping $ 8,220 a year starting in January 2013 because the interest rate went down from 5.875 % down to 4.25 %.

Spurred by years of low ratings and even lower fan interest, the NFL decided that perhaps it was time to implement some new changes to the Pro Bowl.

The district, by selling the bids earlier in the year, gained a lower interest rate than if it had bidded the bonds in the fall, as it does customarily, according to Park Board President Kathryn Graham.

Today we know that recessions generally last a few years and can be recovered from by low interest rates and printing money.

Construction of new office space in New York City is on track to hit a 25 - year high this year and almost double that built in 2014, reflecting increasing employment and low interest rates, according to a new report by the New York Building Congress.