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This document discusses the differences between renting versus owning a home, and floating versus fixed interest rates for home loans. It provides an example where purchasing a $132,000 home with a $1,200 monthly mortgage results in accumulating more equity over time compared to annually increasing $1,000 rent payments. It also explains that floating interest rates can adjust with economic changes, while fixed rates are set for a certain period before potentially changing. Most home loan borrowers prefer floating rates so their payments adjust to interest rate movements in the economy.
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years
3.Present and future values of a cash flow stream
An investment will pay $150 at the end of each of the next 3 years, $250 at the end of Year 4, $300 at the end of Year 5, and $600 at the end of Year 6.
a. If other investments of equal risk earn 4% annually, what is its present value? Round your answer to the nearest cent.
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b. If other investments of equal risk earn 4% annually, what is its future value? Round your answer to the nearest cent.
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Problem 5-14
Future value of an annuity
Find the future values of these ordinary annuities. Compounding occurs once a year. Round your answers to the nearest cent.
a. $1,000 per year for 10 years at 6%.
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b. $500 per year for 5 years at 3%.
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c. $1,000 per year for 16 years at 0%.
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Rework previous parts assuming that they are annuities due. Round your answers to the nearest cent.
d. $1,000 per year for 10 years at 6%.
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e. $500 per year for 5 years at 3%.
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f. $1,000 per year for 16 years at 0%.
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Problem 5-9
Present and future values for different periods
Find the following values using the equations and then a financial calculator. Compounding/discounting occurs annually. Round your answers to the nearest cent.
a. An initial $500 compounded for 1 year at 8%.
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b. An initial $500 compounded for 2 years at 8%.
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c. The present value of $500 due in 1 year at a discount rate of 8%.
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d. The present value of $500 due in 2 years at a discount rate of 8%.
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Problem 6-1
Yield Curves
TERM
RATE
6 months
5.03%
1 year
5.41%
2 years
5.65%
3 years
5.79%
4 years
5.87%
5 years
6.1%
10 years
6.35%
20 years
6.63%
30 years
6.76%
a. Plot a yield curve based on these data.
The correct sketch is A, B, C, D
.
b. What type of yield curve is shown?
1. The yield curve is abnormal
2.upward sloping
3. curve is flat
4. downward sloping
5. inverted
c. What information does this graph tell you?
1. In general the rate of inflation is expected to increase and the maturity risk premium is less than zero
2. In general the rate of inflation is expected to decrease and the maturity risk premium is less than zero
3. In genera the rate of inflation is expected to increase and the maturity risk premium is greater than zero
4. The shape of the yield curve depends only on expectations about future inflation which is expected to increase
5. In general the rate of inflation is expected to decrease and the maturity risk premium is greater than zero
d. Based on this y ...2016 Simple Mortgage Guide
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https://passrealestate.toay/ These slides overview interest rate covers, constant payment mortgages, how to calculate outstanding balances as well as accelerated Bi-Weekly payments. Principal & Interest splits are also covered in detail.
As an example, Finding the "Interest Rate"
Example
A private investor expects to receive $281.72 per month for a period of 17 years as a result of a mortgage loan she has just advanced. Calculate the investors expected yield (expressed as a nominal rate with semi-annual compounding) on her investment if the loan was for $23,250.
Amortization Period
Example
Ex. A Mortgage in the amount of $150,000 requires the buyer to make payments of $1,250 per month for as long as necessary to fully amortize the loan at 8% per annum, compounded semi-annually. How many full payments of $1,250 will be required?
Outstanding Balances & Introducing Terms
Example
While mortgage payments are calculated using the amortization period, the actual length of the mortgage contract may be different than the amortization period
The Length of a mortgage contract is referred to as a Term. The life of the mortgage loan is split up into Terms because of the sometimes long Amortization Periods that come with Mortgage Loans.
Due to these Terms, it is important to be able to calculate an Outstanding Balance, as even though the Term is over, it does not mean that the loan is paid in full - or in other words Fully Amortized
Course Details
This course has been created by Alisha Ilaender and Shane Toews, with www.passrealestate.today to assist with Mortgage Broker licensing designation.
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- 1. Introduction to business finance
- 2. Buying VS Renting Pride of Ownership Appreciation Property Tax Deductions mortgage balance decreases and equity builds mortgage balance decreases and equity builds
- 3. The renter starts out paying $1000 per month with annual increases of 5%.The homeowner purchases a home for $132,000 and pays a monthly mortgage of $1,200 +864 +72 1000 1072 7 +252 +21 1000 1021 6 -336 -28 1000 972 5 -888 -74 1000 926 4 -1416 -118 1000 882 3 -1920 -160 1000 840 2 -2400 -200 1000 800 1 Yearly Difference Monthly Difference Mortgage Payment Rent Payment Years
- 4. Floating interest rate Loan with a variable or floating interest rate i.e. the interest rate would change from time to time in line with the market changes in interest rates. The nominal interest rate is 5.60% per annum and the duration of the loan is 20 years, and with the changes in economy, the bank will increase the interest rates.
- 5. Fixed interest rate Fixed rate loan with the same repayment structure as of the first alternative with a nominal 6.55% per annum which is kept fixed for the next two years while the duration of the loan is 20 years, in two years the new interest rate will be fixed for a future period.
- 6. Conclusion When it comes choosing interest rate structure, majority of home loan borrowers go for the floating interest rate loan because you can adjust your cash outflows with the interest rates floating with the change in economy, and if interest rates falls you will benefit from floating interest rates over fixed interest rates.