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The debt service coverage ratio ( DSCR ), also known as "debt coverage ratio" (DCR), is a financial metric used to assess an entity's ability to generate enough cash to cover its debt service obligations, such as interest, principal, and lease payments. The DSCR is calculated by dividing the operating income by the total amount of debt service due.
The "global mean sea level is projected rise (relative to 1986–2005) by 0.26 to 0.77 m by 2100 for 1.5 °C global warming" and about 0.1 m more for 2 °C. A difference of 0.1 m may correspond to 10 million more or fewer people exposed to related risks. [28] "
The U.S. housing market faces a significant problem: there aren't enough homes to go around. Experts at Freddie Mac say we need an extra 1.5 million homes to meet current demand. This shortage is ...
The term annual percentage rate of charge ( APR ), [1] [2] corresponding sometimes to a nominal APR and sometimes to an effective APR ( EAPR ), [3] is the interest rate for a whole year (annualized), rather than just a monthly fee/rate, as applied on a loan, mortgage loan, credit card, [4] etc. It is a finance charge expressed as an annual rate.
A mortgage loan or simply mortgage ( / ˈmɔːrɡɪdʒ / ), in civil law jurisdictions known also as a hypothec loan, is a loan used either by purchasers of real property to raise funds to buy real estate, or by existing property owners to raise funds for any purpose while putting a lien on the property being mortgaged.
The UK mortgage market is one of the most innovative and competitive in the world. [citation needed] Most borrowing is funded by either mutual organisations ( building societies and credit unions) or proprietary lenders (typically banks ). For a number of years the market operated with minimal state intervention, although this changed at least ...
Negative amortization. In finance, negative amortization (also known as NegAm, deferred interest or graduated payment mortgage) occurs whenever the loan payment for any period is less than the interest charged over that period so that the outstanding balance of the loan increases. [1] As an amortization method the shorted amount (difference ...
t. e. A mortgage-backed security ( MBS) is a type of asset-backed security (an "instrument") which is secured by a mortgage or collection of mortgages. The mortgages are aggregated and sold to a group of individuals (a government agency or investment bank) that securitizes, or packages, the loans together into a security that investors can buy.