They're moving away from ordspråk

They're moving away from bank cards and credit cards -- short-term installment debt -- into various forms of mortgage borrowing with lower interest rates and long terms.

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Bonnie Martinich

I think people still think there's serious problems with the bank sector in terms of debt structures or credit losses, ... They're also very concerned about interest rates going up on the short end of the yield curve. Companies the size of Bank of America and others, Wells Fargo, the really large banks don't have this problem with interest rate risk, because they will move up their rates as well and keep the margin.

Tobias Levkovich

Don't keep borrowing, freeze the credit cards, if you haven't already. Don't get a second mortgage on the house.

And so then of course, the problem is that now we're coming to judgment day with interest rates going up a bit. And people are finding themselves unable to afford not only the mortgage, but also the bills, car payments, credit cards. The whole nine yards.

One reason why homeowners may be willing to increase the mortgage rate on their first-lien mortgage is because interest rates on most home-equity lines of credit have been pushed up again as the Fed increased short-term interest rates in January and March, which in turn pushed up the prime rate.

Low interest rates and rampant house price appreciation have really been driving borrowing. As long-term rates finally start to rise, the pace of debt accumulation will slow.

Indeed, at current growth rates, credit cards and debit cards will both surpass check in terms of total annual transactions in 2007. Such rapid change presents opportunities and challenges for an industry traditionally geared toward paper-based payment,

Indeed, at current growth rates, credit cards and debit cards will both surpass check in terms of total annual transactions in 2007. Such rapid change presents opportunities and challenges for an industry traditionally geared toward paper-based payment.

This is in line with our expectation that demand for new housing would 'cool off' towards the end of 2005 and in early 2006 as higher short-term interest rates, driven by the Fed, would ultimately translate into higher long-term borrowing rates.

The numbers show that the government is opening the faucets when it should save money or spend more moderately. They may not see a consequence in the short term, but in the medium- to long-term, it makes it harder for the country to lower borrowing costs and reduce debt.

Bank loans have pretty attractive interest rates these days. Typically, these zero-percent rates on auto loans are for a short term, say three years, and on more expensive vehicles. People end up buying the car, but use a bank loan to do so. Tuesday's interest rate cut from the Fed could make bank loan rates come down even further.

Fritz Elmendorf

Credit cards offer convenience. Credit cards offer emergency life preservers. If you start to use your credit card for daily expenses, and you start paying for pizza at 18 percent interest -- do the math.

[In 2002, rates on both types of cards are nearly certain to rise. Even fixed-rate cards are no shelter.] The jockeying around to find a low-rate card is really only half the equation, ... The real thing to do is pay down debt.

We can thank our friends at the Fed because the interest rate increases they have made are pushing credit cards and other rates such as home equity lines of credit higher.

Now what happens to the market depends on the interest rate structure. Long rates have been better than expected, but I think we can see them rising, moving into alignment with what's going on with the economy and with short-term rates.

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Här har vi samlat ordstäv och talesätt i 35 år!

Vad är ordspråk?
Hur funkar det?
Vanliga frågor
Om samlingen
Ordspråkshjältar
Hjälp till!

Du är aldrig ensam med en schysst ordspråkssamling.

www.livet.se/ord