• Study Resource
  • Explore Categories
    • Arts & Humanities
    • Business
    • Engineering & Technology
    • Foreign Language
    • History
    • Math
    • Science
    • Social Science

    Top subcategories

    • Advanced Math
    • Algebra
    • Basic Math
    • Calculus
    • Geometry
    • Linear Algebra
    • Pre-Algebra
    • Pre-Calculus
    • Statistics And Probability
    • Trigonometry
    • other →

    Top subcategories

    • Astronomy
    • Astrophysics
    • Biology
    • Chemistry
    • Earth Science
    • Environmental Science
    • Health Science
    • Physics
    • other →

    Top subcategories

    • Anthropology
    • Law
    • Political Science
    • Psychology
    • Sociology
    • other →

    Top subcategories

    • Accounting
    • Economics
    • Finance
    • Management
    • other →

    Top subcategories

    • Aerospace Engineering
    • Bioengineering
    • Chemical Engineering
    • Civil Engineering
    • Computer Science
    • Electrical Engineering
    • Industrial Engineering
    • Mechanical Engineering
    • Web Design
    • other →

    Top subcategories

    • Architecture
    • Communications
    • English
    • Gender Studies
    • Music
    • Performing Arts
    • Philosophy
    • Religious Studies
    • Writing
    • other →

    Top subcategories

    • Ancient History
    • European History
    • US History
    • World History
    • other →

    Top subcategories

    • Croatian
    • Czech
    • Finnish
    • Greek
    • Hindi
    • Japanese
    • Korean
    • Persian
    • Swedish
    • Turkish
    • other →
 
Profile Documents Logout
Upload
Products, services, customers, geography
Products, services, customers, geography

... high interest rate on their loan, plus fees. The fees are what you really need to be aware of when looking at very tempting offers to refinance your mortgage. And most companies will say, don’t worry about paying any of the fees up front – we’ll just add it onto your mortgage balance. This means if ...
FREE Sample Here
FREE Sample Here

... © 2010 Cengage Learning. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part, except for use as perm itted in a license distributed with a certain product or service or otherwise on a password-protected website for classroom use. ...
Determinants of Asset Quality
Determinants of Asset Quality

Loan Intrest
Loan Intrest

NBER WORKING PAPER SERIES HOUSING, CREDIT MARKETS AND THE BUSINESS CYCLE
NBER WORKING PAPER SERIES HOUSING, CREDIT MARKETS AND THE BUSINESS CYCLE

Chapter 5
Chapter 5

Economic Crisis 2008 - Common Sense Economics
Economic Crisis 2008 - Common Sense Economics

Grad Finale Exit Counseling PPT
Grad Finale Exit Counseling PPT

Chap 5 - TCU.edu
Chap 5 - TCU.edu

International Macro
International Macro

... purchase more imports and reduce exports. A rise in the price of domestic goods increases the value of those goods in trade. ...
Market Synopsis – April 2015
Market Synopsis – April 2015

... loss of output commensurate with the Great Depression. In that case, the authors concluded that the optimal Fed Funds rate would need to be a modest 30 to 75 basis points higher. It does thus seem prudent to aggressively raise rates only at times when there is clear evidence of large-scale macro imb ...
Pui Ying College
Pui Ying College

Group LTD Pricing Issues
Group LTD Pricing Issues

... • Easy to understand and explain • More likely to be used by underwriters • Convenient to periodically review • Approximates equity to the satisfaction of ...
The Rise and Fall of Subprime Mortgages
The Rise and Fall of Subprime Mortgages

Residential mortgage lending for underserved communities: recent
Residential mortgage lending for underserved communities: recent

Future Value and Present Value Assignment
Future Value and Present Value Assignment

... 3. Hua’s parents decide invest money in an account that pays 5%/a compounded semiannually when she turns 13 to save for a gift of $20 000 when she turns 20, how much should they invest to make this possible? ...
Pugel Chapter 19 Problems What Determines Exchange Rates ?
Pugel Chapter 19 Problems What Determines Exchange Rates ?

... a. Since there is no interest differential between US and Japanese bonds, there should be no difference between the current spot rate and the expected forward rate. b. Expected dollar appreciation (it will cost less to buy one yen -- not one cent but 0.95 cents) is more considerable than the fourth ...
Mortgage Lending Discrimination - Fair Housing Center of West
Mortgage Lending Discrimination - Fair Housing Center of West

Managing interest rate risk
Managing interest rate risk

... GROUP TREASURER ...
Document
Document

... • Since the future is uncertain, and the further into the future a loan is to be repaid, the more uncertain that repayment becomes  lenders require a higher interest rate • Term structure of interest rates is the relationship between the duration of the loan and the interest rate charge ...
Financial Maths Solutions
Financial Maths Solutions

Chapter 15 Valuation Analysis: Income Discounting, Cap Rates and
Chapter 15 Valuation Analysis: Income Discounting, Cap Rates and

doc
doc

... if monetary expansion occurs abroad and leads to world inflation while the domestic money supply remains stable, then the prices of internationally-traded goods rise; thus, imports become more expensive and exports become cheaper to foreigners; thus, imports decrease, but exports increase the balanc ...
Microsoft Office 2003 Deployment Plan
Microsoft Office 2003 Deployment Plan

... VA loan programs enabled a whole generation of young households to become successful homeowners with only a limited down payment. • Today, state housing finance agencies continue to successfully manage high LTV lending programs with loan performance records that regularly exceed those of the convent ...
Long-Term and Short-Term Interest Rates
Long-Term and Short-Term Interest Rates

< 1 ... 19 20 21 22 23 24 25 26 27 ... 37 >

Adjustable-rate mortgage

A variable-rate mortgage, adjustable-rate mortgage (ARM), or tracker mortgage is a mortgage loan with the interest rate on the note periodically adjusted based on an index which reflects the cost to the lender of borrowing on the credit markets. The loan may be offered at the lender's standard variable rate/base rate. There may be a direct and legally defined link to the underlying index, but where the lender offers no specific link to the underlying market or index the rate can be changed at the lender's discretion. The term ""variable-rate mortgage"" is most common outside the United States, whilst in the United States, ""adjustable-rate mortgage"" is most common, and implies a mortgage regulated by the Federal government, with caps on charges. In many countries, adjustable rate mortgages are the norm, and in such places, may simply be referred to as mortgages.Among the most common indices are the rates on 1-year constant-maturity Treasury (CMT) securities, the Cost of Funds Index (COFI), and the London Interbank Offered Rate (LIBOR). A few lenders use their own cost of funds as an index, rather than using other indices. This is done to ensure a steady margin for the lender, whose own cost of funding will usually be related to the index. Consequently, payments made by the borrower may change over time with the changing interest rate (alternatively, the term of the loan may change). This is distinct from the graduated payment mortgage, which offers changing payment amounts but a fixed interest rate. Other forms of mortgage loan include the interest-only mortgage, the fixed-rate mortgage, the negative amortization mortgage, and the balloon payment mortgage. Adjustable rates transfer part of the interest rate risk from the lender to the borrower. They can be used where unpredictable interest rates make fixed rate loans difficult to obtain. The borrower benefits if the interest rate falls but loses if the interest rate increases. The borrower benefits from reduced margins to the underlying cost of borrowing compared to fixed or capped rate mortgages.
  • studyres.com © 2025
  • DMCA
  • Privacy
  • Terms
  • Report