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Mortgages loans

The reconciliation between the cash flow statement and the income and expense statement is as follows. Start with the 40,000 from the last line in the cash flow statement, subtract 20,000 for the depreciation expense, and add back the 30,000 mortgage loan principal payment (not an allowed expense). The result is the net after-tax earnings. Figure B.ll is a set of statements from a small oil company. The statement of operations lists revenue and expenses, whereas the balance sheet lists various assets, liabilities, and stockholders equity ( net worth ). So-called capital items such as buildings, equipment, oil and gas property, and various intangibles are assets. Operating costs are deductions from revenues for operations not including expenditures for capital items. [Pg.620]

E. Income projections (profit and loss statements) for multiple years sales, fixed costs (mortgage, loan interest, depreciation, rent, taxes, insurance, advertising, salaries, benefits), variable costs (cost of material, hourly... [Pg.334]

Thank you for taking the time to speak with me about your recent experience with American Mortgage Company. You mentioned a number of errors that occurred during the processing of your mortgage loan. It is our intention to provide a worry-free process to our customers. 1 assure you that the service you received is not typical of what we provide. Please accept my apology for the problems. [Pg.175]

Providers also offer an assortment of bundled benefits such as waiving the annual fee for credit cards, offering preferential commercial or mortgage loan interest rates, free online banking membership, lower insurance premi-... [Pg.9]

Conventional loan A mortgage loan not insured by a government agency (such as FHA or VA)... [Pg.236]

Equity- The "valuation" that you own in your home, i.e. the property value less the mortgage loan outstanding. [Pg.243]

Mortgage loan- A contract in which the borrower s property is pledged as collateral. It is repaid in installments. The mortgagor (buyer) promises to repay principal and interest, keep the home insured, pay all taxes and keep the property in good condition. [Pg.263]

Veterans Administration (VA)- A federal agency that insures mortgage loans with very liberal down payment requirements for honorably discharged veterans and their surviving spouses. [Pg.293]

The financing of mortgage-backed loans for residential and commercially used properties (i.e., mortgage loans). [Pg.205]

The comparatively low risk that a portfolio of both residential and commercial mortgages entails is also expressed in the equity weighting of 50% for mortgage loans with a lending limit of up to 60%. [Pg.206]

Spanish cedulas are, so far, exclusively backed by mortgage loans the legal framework for the issuance of Cednlas Territoriales, pnblic sector loans is still in the preparation stage. [Pg.223]

A borrower has the right to repay a mortgage loan (in part or in full) at any time. This can be for a number of reasons, but as interest rates have declined and competition has intensified, reducing margins on mortgage products, the number of borrowers refinancing their mortgages with other lenders has increased. This has been helped in part by the house price increases in many countries. [Pg.359]

The length of an acceptable pay-back period depends on flnaneing arrangements. With a passive system, it may be the period of the mortgage loan (20-25 years). With an aetive system, it should not be more than the life expectancy of the collector array (18-20 years), but the average householder would not consider a period greater than 10 to 15 years. In a commercial or industrial situation, pay-back periods of 3 to 5 years are often demanded. [Pg.231]

Government-chartered corporation that buys qualified mortgage loans from the financial institutions that originate them, securitizes the loans, and distributes the securities through the dealer community. The securities are not backed by the U.S. government. The market value of these securities prior to maturity is not guaranteed and will fluctuate. [Pg.182]

Hwang, S., Park, M., Lee, H. S., Yoon, Y., Son, B. S. (2010). Korean real estate market and boosting policies Focusing on mortgage loans. International Journal of Strategic Property Management, 14(2), 157-172. [Pg.24]


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See also in sourсe #XX -- [ Pg.219 ]




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