A borrower is buying a primary residence with a purchase price of $200,000 and a loan amount of $170,000. The appraised value comes in at $210,000. What is the loan-to-value ratio for this transaction? A) 80.95% B) 85.00% C) 89.01% D) 95.24%
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- Margo borrows $1900, agreeing to pay it back with 2% annual interest after 16 months. How much interest will she pay?Round your answer to the nearest cent, if necessary.If a borrower takes out an interest-only loan, when are they expected to pay the principal of the loan? only after the borrower refinances as a balloon payment at the end of the loan term They aren't; interest over time will add up to more than the principal amount. in periodic monthly paymentsWhat is the APR on a $700,000 fixed rate mortgage loan fully amortizing over 30 years if the stated annual interest rate is 5.5% and the lender charges 1.5% as an origination fee, $750 for an appraisal and $18 for a credit report? a.5.65% b.5.72% c.5.36% d. 5.5%
- Long-term debt typically describes debt that will mature in two years or more. Select one: a. True b. FalseEvaluating the credit quality of debt using traditional measures such as ratings are an example of which type of risk? aLiquidity Risk b.Interest Rate Risk c.Credit Risk d.Market Risk. When choosing between long and short term borrowing, which of the following is not usually a relevant consideration for a company? Any costs associated with refinancing, such as arrangement fees and penalties. Likely interest rate movements. Matching the term of the loan with the nature of the assets being financed. The principal agent problem.
- If the contract annual interest rate on a $2,880,000 fixed rate loan that is fully amortizing over 20 years with equal monthly payments is 6.25%, what is the effective yield to the lender if the lender charges 1.5% as an origination fee, $288 for a credit report and $3,080 for an appraisal fee and the loan is repaid after ten years? a. 6.25% b. 6.51% c. 6.46% d. 6.49%A borrower wants to lower the amount of money they pay in interest over the life of a loan. Which of these tactics is best for decreasing the amount of interest the borrower would pay? making payments small enough to create negative amortization never defaulting on a monthly payment making monthly payments on a non- amortized loan making biweekly payments on an amortized loan83 What is the loan amount on the purchase price of $249.955.00 If the borrower is putting 18% down? A) $204,693.10 B) $204,936.10 C) $204,963.10 D) $204,966.10
- Use the exact interest method (365 days) and the ordinary interest method (360 days) to compare the amount (in $) of interest for the loan. Principal 10,000,000 Rate % 10 Time (days) 1 Exact Interest Ordinary InterestWhat is the loan-to-value ratio of a loan of $90,000 on a property sold for $120,000? 80% 75% 85% 100.33% +In general, how much does each point paid by a borrower add to a lender's yield? 0.125% 0.247% 0.5% 0.25% +