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Mortgage Constant Definition

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Long Term Fixed Rate Mortgage Advantages and Disadvantages of Fixed Rate Mortgage – The fixed rate mortgage has a long history and is considered the standard of home loan financing instruments. long before the adjustable rate mortgage came along the fixed rate mortgage was being used and is still being used by many home buyers. There is a reason for that loyalty.Flat Rate Loan a loan with a 15% flat interest rate to a 25% declining balance rate. If all institutions used the same calculation method then borrowers would be able to make more informed decisions.

Mortgage constant, also called "mortgage capitalization rate" is the capitalization rate for debt.It is usually computed monthly by dividing the monthly payment by the mortgage principal. An annualized mortgage constant can be found by multiplying the monthly constant by 12, or dividing the annual debt service by the mortgage principal.

An adjustable-rate mortgage (ARM) is a loan with an interest rate that changes. Among the most common indexes are the rates on 1-year constant-maturity.

Mortgage down payments, substantial home improvements. they will not continuously rebalance to follow an index whose roughly constant duration requires selling shorter maturity bonds to buy longer.

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annual mortgage constant. The amount of annual debt service compared to the principal amount of a loan and then expressed as a dollar amount. Annual debt service / Mortgage principal = Annual mortgage constant. The constant tells you the total principal and interest payments per year per $100 of debt.

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Loan Constant Definition and Explanation – – Loan constant is a percentage which compares the entire amount of a loan by its annual debt service. In order to determine a property’s loan constant, a borrower will need to know information including the term, interest rate, and amortization of a loan.

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