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low and LTV
Mortgage insurance is payable if the loan-to-value ratio ( LTV, or LVR in Australia ) is above 80 %, or above 60 % for low document loans.
Low LTV ratios ( below 80 %) carry with them lower rates for lower-risk borrowers and allow lenders to consider higher-risk borrowers, such as those with low credit scores, previous late payments in their mortgage history, high debt-to-income ratios, high loan amounts or cash-out requirements, insufficient reserves and / or no income documentation.

low and loan
For example, if a bank, operating under the Basel I accord, has to hold 8 % capital against default risk, but the real risk of default is lower, it is profitable to securitise the loan, removing the low risk loan from its portfolio.
A low interest rate implies that firms can loan money to invest in their capital stock and pay less interest for it.
At one point, Atlantis sent a delegation to the legitimate state of Palau to offer a low interest loan of $ 100 million.
This solution allowed the banks with the BIBF licenses to take advantages from the high interest rate of Thailand by taking out a low interest loan from foreign financial institutions and then loaning it to Thai businesses with a higher interest rate ( but still lower than the interest rate of the internal financial institutions ).
* Four towns of the county of Holland ( Dordrecht, Haarlem, Leiden and Alkmaar ) and two of the county of Zeeland ( Middelburg and Zierikzee ) accept for the first time to collectively secure a loan by their sovereign, Floris V. This system gives important securities to the lenders and allows the ruler to access the same low interest rates as the cities ’ governments.
On the consumer level, loans against securities have grown into three distinct groups over the last decade: 1 ) Standard Institutional Loans, generally offering low loan-to-value with very strict call and coverage regimens, akin to standard margin loans ; 2 ) Transfer-of-Title ( ToT ) Loans, typically provided by private parties where borrower ownership is completely extinguished save for the rights provided in the loan contract ; and 3 ) Non-Transfer-of-Title Credit Line facilities where shares are not sold and they serve as assets in a standard lien-type line of cash credit.
Banks collected the loan collateral ( foreclosed homes ) but the low property values resulted in a relative lack of assets.
The British Government provided Cunard with an annual subsidy of £ 150, 000 plus a low interest loan of £ 2. 5 million (£ as of ), to pay for the construction of the two superliners, the Blue Riband winners Lusitania and Mauretania, capable of.
The number of students interested in public interest law positions expanded as Harvard has begun to offer summer funding for public interest internships and low income loan reduction plans for alumni who take on careers in the public interest and academia.
Otherwise, it may refer to a loan on which an artificially low rate of interest ( or none at all ) is charged to the borrower.
In 1999, Fannie Mae came under pressure from the Clinton administration to expand mortgage loans to low and moderate income borrowers by increasing the ratios of their loan portfolios in distressed inner city areas designated in the CRA of 1977.
While profit margins are relatively low, the reputation of the brand and the value of the hotel for sale as well as loan collateral generates developer interest.
# Land Reforms Program and Abolishing " Feudalism ": The government bought the land from the feudal land lords at what was considered to be a fair price and sold it to the peasants at 30 % below the market value, with the loan being payable over 25 years at very low interest rates.
Losses on student loans are extremely low, even when students default, in part because these loans cannot be discharged in bankruptcy unless repaying the loan would create an " undue hardship " for the student borrower and his or her dependents.
That is, IBR may encourage student borrowers who could have obtained high-wage jobs to take low wage jobs with good benefits and minimal work hours to reduce their loan payments, thereby driving up the cost of the IBR program.
This loan was in the form of bonds bearing interest at the rate of 7. 30 %, which were issued in denominations as low as $ 50, so that people of moderate means could take them.
One innovation was the establishment of loan kassas, cooperative credit institutions that issued low interest loans to Jewish craftsmen and small business owners.
Salary-buying loan sharks continued to operate in some southern states after World War Two because the usury rate was set so low that licensed personal finance companies could not do business there.
In addition, Wilson spearheaded the Drafting Teacher Recruitment and Retention Act of 2003, which offers higher education loan forgiveness to math, science and special education teachers in schools with a predominantly low income student population.
Freddie Mac announced on February 27, 2007 that it would buy a subprime adjustable rate mortgage only if the borrower qualifies for the maximum rate of the loan, rather than merely a low introductory ( so-called teaser ) rate.
The Authority it operated a loan scheme for low income home buyers, which provided interest-free loans of up to HK $ 530, 000 or monthly mortgage subsidies of up to HK $ 3, 800 to help low-income individuals or families to buy their own flats.
Legislation sponsored by Stender includes: A-2330, which creates a low interest mortgage loan program in the NJ Housing and Mortgage Finance Agency for volunteer firefighters, emergency medical squads, and emergency rescue squads ; A-2753, which requires the Port Authority of New York and New Jersey to use transported remains of victims of the September 11, 2001 attacks in a memorial ; A-2930, which permits municipalities to place stop signs on certain intersections near schools, playgrounds, and youth recreational facilities ; A-3345, which provides public safety members in federal or state military service who are injured or killed with disability or death benefits ; A-3502, which provides municipalities with equal funding for new construction where the existing facilities are considered unfit for rehabilitation for health and safety reasons.
An LVR of 80 % or below is considered to be a low risk for standard conforming loans, and below 60 % for a no doc loan or low doc loan.

low and value
There is another means which should show the direction and relative value of the stresses in viscoelastic fluids that is not mentioned as such in the literature, and that is the shape of the suspended drops of low viscosity fluids in shear fields.
Starting from other value premises than Fromm's, some analysts might conclude that the percentages really tell us very little at all, while others might even conclude that the figures are remarkably low.
If the rake angle **yc of the knife is high enough and the friction angle **yt between the front of the knife and the back of the chip is low enough to give a positive value for Af, the resultant vector R will lie above the plane of the substrate.
In cases where the density of the air is significantly different from the calibration value ( as on a high mountain, or with an exceptionally low barometer ) an allowance must be made.
Sweden was rich in copper, thus, because of copper's low value, extraordinarily big coins ( often weighing several kilograms ) had to be made.
One consequence of this is that its users face difficult choices in targeting, to avoid expending the missiles on targets of low value.
For instance during Operation Enduring Freedom the United States attacked targets of very low monetary value with cruise missiles, which led many to question the efficiency of the weapon.
For example, sewage sludge has a low but significant calorific value, and burns to give ash containing minerals useful in the clinker matrix.
Besides the climate, other factors such as the high occurrence of parasites, diseases and the very low nutritional value of the native forage were problems.
Errors occur regularly in low probabilities due to random bit value flipping, or " physical bit fatigue ," loss of the physical bit in storage its ability to maintain distinguishable value ( 0 or 1 ), or due to errors in inter or intra-computer communication.
Errors occur regularly in low probabilities due to random bit value flipping, or " physical bit fatigue ," loss of the physical bit in storage its ability to maintain distinguishable value ( 0 or 1 ), or due to errors in inter or intra-computer communication.
If the parameter is the bull's-eye of a target, and the arrows are estimates, then a relatively high absolute value for the bias means the average position of the arrows is off-target, and a relatively low absolute bias means the average position of the arrows is on target.
An alternative to the version of " unbiased " above, is " median-unbiased ", where the median of the distribution of estimates agrees with the true value ; thus, in the long run half the estimates will be too low and half too high.
The German gauleiter, Albert Forster considered Kashubians of " low value " and did not support any attempts to create a Kashubian nationality.
Furthermore, available fingerstick glucose meters are only warranted to be accurate to within 15 % of a simultaneous laboratory value under optimal conditions, and home use in the investigation of hypoglycemia is fraught with misleading low numbers.
The term " Iron Age " has low chronological value, because it didn't begin simultaneously across the entire world.
For any given risk, Executive Management can choose to accept the risk based upon the relative low value of the asset, the relative low frequency of occurrence, and the relative low impact on the business.
A low LD < sub > 50 </ sub > in animals is always a cause for concern for humans, but a high animal value does not guarantee that a substance is similarly harmless to humans.
Conditions like sickle-cell anemia may have low fitness in the general human population, but because the sickle-cell trait confers immunity from malaria, it has high fitness value in populations that have high malaria infection rates.
The cost of extraction must thus be weighed against the metal value contained in the rock to determine what ore can be processed and what ore is of too low a grade to be worth mining.
Shared norms, value and loyalties were low, structures " chaotic ", little role differentiation or clear distribution of labour.

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