Suppose that your monthly net income is $2,950. Your monthly debt payments include your student loan payment and a gas credit card. They total $590. What is your debt payments-to-income ratio? %
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Suppose that your monthly net income is $2,950. Your monthly debt payments include your student loan payment and a gas credit card. They total $590. What is your debt payments-to-income ratio? %
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- A company has $500 million in total assets, $10 million in notes payable, and $45.6 million in long-term debt. What is the debt ratio?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 payments
- With the success of your business, you are ready to establish a storefront. However, you do not have the necessary funds to acquire the building and pay the necessary rent. You are considering borrowing a short-term note from a bank for $130,000. Required part B. Research the lending practices of a local bank. Determine the interest rate charged for a $130,000 loan. What collateral does the bank require to secure the loan? Determine your overall payback amount if you were to repay the loan in less than one year. Choose either a payback with periodic payments or all at the end of the loan term and compare the outcomes. After conducting your research, would you consider borrowing the money? What positive and negative outcomes accompany borrowing the money? Instead of borrowing on a short-term note, you are thinking on borrowing $130,000 and signed a 5-year, note payable with a 12% interest rate. Each annual payment is in the amount of $34,920 and payment is due each Dec. 31. What is…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 loanA 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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- “Suppose that you have been given a summer job at J limited, a company that manufactures sophisticated radar sets for commercial aircraft. The company, which is privately owned, has approached a bank for a loan to help finance its tremendous growth. The bank requires financial statements before approving such a loan. You have been asked to help prepare the financial statements and were given the following list of costs: The cost of the memory chips used in a radar set. Factory heating costs. Factory equipment maintenance costs. Training costs for new administrative employees. The cost of the solder that is used in assembling the radar sets. The travel costs of the company’s salespersons. Wages and salaries of factory security personnel. The cost of air-conditioning executive offices. Wages and salaries in the department that handles billing customers. Depreciation on the equipment in the fitness room used by factory workers. Telephone expenses incurred by factory management.…You have deposited $10,800 into an account that will earn an interest rate of 8% compounded semiannually. How much will you have in this account at the end of 10 years? $16,564.89 $27,213.75 $23,664.13 $28,396.96Use 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 Interest