Financiamento doméstico

Quanto custa o PMI com um empréstimo de 500.000 dólares? Por exemplo, numa casa de $500.000, com uma taxa PMI de 1,5%, o montante total PMI é de $7.500, mas se decidir pagar $3.000 adiantados, apenas o montante restante de $4.500 é adicionado aos seus pagamentos mensais de hipoteca para…

With an FHA Loan, a large deposit is a deposit amount that exceeds 1% of the property sales price. If you’re applying for a Jumbo Loan, the definition of a large deposit is up to the loan underwriter’s discretion. O que é que conta como um grande depósito? Uma boa…

O capital da casa é o mesmo que uma hipoteca? Um empréstimo para aquisição de habitação é também uma hipoteca. A principal diferença entre um empréstimo para aquisição de habitação e uma hipoteca tradicional é que se contrai um empréstimo para aquisição de habitação após a compra e acumulação de…

Advice on how to manage paying a mortgage, in order to avoid getting into difficulties. Covers budgeting, finding the best mortgage deal and how to cope with reduced income or an increase in payment rates. Como posso liquidar os meus atrasos hipotecários? Your lender will discuss the different ways you…

Importantly, the foreclosure of a second mortgage means that the borrower’s right to redeem the property by paying off all the mortgage debts is extinguished. Under most state laws, the purchaser at the foreclosure sale of a second mortgage can proceed to take possession of the property and evict the…

Propensity sentence example During hot days he had a propensity for walking around in just his boxers. … Men have a slight increased propensity towards baldness. … A propensity for violence is in no doubt. … Natural propensity to war is the motive force in primitive societies only. O que…

In Mexico, foreigners are restricted from owning land within 50 kilometers of the coast or 100 kilometers of an international border. But the majority of timeshares are in beach resorts in places like Mazatlan, Los Cabos, Cancun, Cozumel, and Puerto Vallarta. Quanto é uma média de timeshare no México? De…

Private mortgage insurance, also called PMI, is a type of mortgage insurance you might be required to pay for if you have a conventional loan. Like other kinds of mortgage insurance, PMI protects the lender—not you—if you stop making payments on your loan. Quanto tempo paga ao PMI? Depois de…

É melhor pagar adiantado ou financiar? Pagar em dinheiro pelo seu carro pode ser a sua melhor opção se a taxa de juros que ganha com as suas poupanças for inferior ao custo de empréstimo depois de impostos. Contudo, tenha em mente que, embora liberte o seu orçamento mensal ao…

Credit risk assessment involves estimating the probability of loss resulting from a borrower’s failure to repay a loan or debt.…To assess credit risk, lenders often look at the 5 Cs: Credit history, Capacity to repay, Capital, The loan’s conditions and. Associated collateral. Como avaliaria o risco de crédito de uma…

Residual income is calculated as net income minus a deduction for the cost of equity capital. The deduction, called the equity charge, is equal to equity capital multiplied by the required rate of return on equity (the cost of equity capital in percent). Porque é que calcula os rendimentos residuais?…

Monthly rent or house payment. Monthly alimony or child support payments. Student, auto, and other monthly loan payments. Credit card monthly payments (use the minimum payment) O que é considerado uma dívida mensal recorrente? Compreender a dívida recorrente As obrigações financeiras são rotuladas como recorrentes se tiverem de ser pagas…

The loan balance is what you have left to pay on the mortgage principal. The difference between the original mortgage amount and the amount you’ve made in principal payments gives you the loan balance. O que significa equilíbrio na hipoteca? O montante que se pede emprestado com a sua hipoteca…

Return on investment measures how much net operating income a business generates in a certain period as a percentage of its average operating assets. ROI tells you how well you are using the resources in your business to generate operating profit. O que é o ROI na contabilidade? O retorno…

Origination points are paid to your lender for giving you a loan. Discount points give you the ability to lower the interest rate on your loan. In most cases, a point equals 1% of your mortgage loan. Os pontos de desconto fazem parte das taxas de originação? Os pontos também…

O que é uma pergunta categórica? As perguntas categóricas são um agregado de perguntas que muitas vezes têm uma lista de membros da categoria (ou alternativas de resposta) que as acompanha. Quais são os três exemplos de categórica? As variáveis categóricas representam tipos de dados que podem ser divididos em…

Median Household Income is a more accurate summary measure of income: Median household income is a more robust and accurate measure for summarizing income at the geographic level as compared to average household income since it is not affected by a small number of extremely high or low income outlier…

To qualify for a conventional loan, you’ll typically need a credit score of at least 620. Borrowers with credit scores of 740 or higher can make lower down payments and tend to get the most attractive conventional loan rates, however. Quem deve utilizar uma hipoteca convencional? Os empréstimos convencionais são…

The answer to this question is yes, you can give your house back to the bank to avoid foreclosure in a process known as deed in lieu of foreclosure. Before pursuing this option, first look into a short sale, loan modification, or simply selling the property. Pode simplesmente desistir de…

You bet! You can get preapproved for a home loan as often as you need. Every preapproval letter comes with an expiration date. And, once the preapproval has expired, you’ll need a fresh one to continue house hunting and making offers. Posso obter uma pré-aprovação de vários emprestadores? É correcto…