What determines the composition of banks’ loan portfolios? Evidence from transition countries[J] . Ralph De Haas,Daniel Ferreira,Anita Taci.Journal of Banking and Finance . 2009 (2)Haas R.D., Ferreira D., and Taci A. What Determines the Composition of Banks' Loan Portfolios? Evidence From...
If you're refinancing aconventional mortgage, a low appraisal can prevent you from doing so. The home needs to appraise at or above the amount you want to refinance for your loan to be approved. If your existing mortgage is anFHA mortgage, you can refinance without an appraisal through the...
When you calculate, use your current income, and don't assume you'll be making more money down the road. Raises don't always happen, and careers change. If you base the amount of home you buy on future income, you might as well set up a romantic dinner with your credit cards as yo...
For many student loan borrowers, the amount they pay toward their debt each month is not insignificant. In fact, theaverage monthly student loan paymentis currently $393, which can be an overwhelming expense if you're struggling to make ends meet. But fall into the habit of missing your stu...
But as you might suspect, creditors typically don't want to settle for anything less than the full amount, so thenegotiation processis almost always tough. Many people choose to hire a debt settlement company and have them do the work instead. In most cases, the company will instruct you ...
It determines total borrowing costs. An APR is set based on your credit score, income and the term and amount of the loan.Expect a higher interest rate if you’re in the market for a longer-term loan or if your credit score is fair or poor. A shorter loan term or higher credit ...
As you use your credit card and manage loans, lenders typically report your activity to credit reporting agencies or credit bureaus. That information goes into your credit report, which determines your credit score.Why do credit scores matter?When a company decides to give you credit, they’re ...
The federal income tax system is progressive, which means that tax rates go up the greater taxable income you have. The term "tax bracket" refers to the income ranges with differing tax rates applied to each range. When figuring out what tax bracket you
The ex-dividend date, sometimes called the ex-date, determines if a shareholder will receive an upcoming dividend payment. “Shareholders who own the stock before the ex-dividend date will be paid the next dividend,” says Sabina Smailhodzic Lewis, CFP and founder and financial planner at Avant...
If you carry a credit card balance, it's important to know about your purchase APR. A purchase APR determines how much interest you'll pay on purchases you make with your credit card if you carry a balance. Credit card companies determine many APRs based