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Your search keyword '"RATES"' showing total 13 results
13 results on '"RATES"'

1. British banking regulation and supervision: between a rock and a hard place.

Author

Mullineux, Andy

Subjects
LOANS, BANKING industry, MORTGAGE loans, BRITISH people, RATES, LIQUIDITY (Economics), HOME (The concept)
Abstract

The article focuses on the regulation and supervision on different British banks. Northern Rock (NR) is a "mortgage bank," which specializes mainly in making home loans. Using an "originate and distribute" model, NR grew aggressively after its de-mutualization from a local base in the North-East of England. It made use of the chance to "securitize" a lot of individual home loans, using the receivables on those loans to back the assets it issued. This allowed NR to raise new fund periodically to make further loans. The European Central Bank (ECB) and the US Central Bank acted properly to insert liquidity into the markets to bring down market rates closer to their traget rates.

Published
2007
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2. A Note on the Valuation of Mortgage Loan Commitments: Incorporating the Commitment Cost in the Mortgage Rate.

Author

Kutner, George W. and Seifert, James A.

Subjects
MORTGAGE loans, LOANS, MORTGAGE rates, INTEREST rates, RATES, HOUSING finance, REAL estate business
Abstract

Abstract. Kutner and Seifert [4] recently found that mortgage loan commitments have significant financial value. This note presents a procedure that may be used to incorporate this value in the nominal lending rate. The findings indicate that typical lending rates should be augmented by approximately 8 to 44 basis points in order to adequately capture this additional cost. [ABSTRACT FROM AUTHOR]

Published
1990

5. It's Not Too Late to Refinance.

Author

Razzi, Elizabeth and Baldwin, Ian

Subjects
*MORTGAGE loans, *LOANS, *PERSONAL finance, *RATES, HOUSING & economics
Abstract

Suggests that it is not too late to refinance a mortgage, even if a person missed the very low rates, as of November 1998. The question of whether it makes sense to refinance; The benefit of short-term mortgages; The change in the cost of several products, including electricity and condominiums; Why most refinancers will choose a no-points loan.

Published
1998

6. Financial Outlook.

Subjects
*MORTGAGE loans, *INTEREST rates, *LOANS, *RATES
Abstract

Reveals that the Canadian Imperial Bank of Commerce raised its five-year mortgage rate by one-quarter of a point in early March 1999. Second increase since December 1998; What analysts attribute this move to; Mortgage fluctuations since April 1998.

Published
1999

7. Don't get caught on home loan costs.

Subjects
*MORTGAGE loans, *LOANS, *PERSONAL finance, *RATES
Abstract

Provides tips for understanding home loan costs in Australia. The average annual percentage rate; Questions to ask when comparing loans on offer; Costs other than interest associated with home loans.

Published
1998

8. Low Loan Rates Around the U.S.

Subjects
*LOANS, *MORTGAGE loans, *HOME equity loans, *CREDIT, *RATES
Abstract

Summarizes loan rates in different parts of the United States as of May 1999. Rate and description at lenders in New York, New York, Atlanta, Georgia, Chicago, Illinois, Phoenix, Arizona, and Los Angeles, California; National averages on 30-year mortgages and other loans.

Published
1999

9. Do You Have The Wrong Mortgage?

Author

Simon, Ruth

Subjects
*MORTGAGE loans, *HOMEOWNERS, *LOANS, *INTEREST rates, *FIXED rate mortgages, *RATES
Abstract

Reports that some U.S. home-owners are choosing riskier adjustable-rate mortgages over fixed-rate mortgages. Low interest rates which would be locked in by fixed-rate mortgages; View the some may be choosing adjustable-rate mortgages because they have a lower starting interest rate; Concern about interest-only loans which could result in borrowers paying more for a house than it is worth if market values fall.

Published
2002

10. Mortgage Rates Are Mixed.

Subjects
*MORTGAGE loans, *LOANS, *RATES
Abstract

Focuses on mortgage rates in the United States as of May 26, 2000. Average interest rate on 30-year fixed-rate mortgages; Rate on one-year adjustable-rate mortgages.

Published
2000

11. Mortgage Rates That Only Go Down.

Author

Hershey Jr., Robert D.

Subjects
*LOANS, *MORTGAGE loans, *RATES
Abstract

Discusses several innovative loans offered by lenders in the United States. Increase in home prices; Low mortgages offered by lenders for homeowners and buyers; Strategy of City Line Mortgage; Practice of refinancing homes as interest rates decrease.

Published
1999

12. Most Mortgage Rates Fall.

Subjects
*MORTGAGE loans, *LOANS, *RATES
Abstract

Reports the decline of fixed rate mortgages in the United States as of July 1999. Average percent of mortgage rates in the country.

Published
1999

13. Pulse of the market.

Subjects
MORTGAGE loans, LOANS, STATISTICS, RATES
Abstract

Presents statistical information on mortgage interest rates for the fourth-quarter of 1995 and the first-quarter of 1996. Rates for each state giving their average rate and points.

Published
1996

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