Amortization sentence example

amortization
  • Here, individuals learn how amortization spreadsheets work.
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  • The lower goodwill amortization charge in 2005 reflects the goodwill impairment charge taken in 2004.
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  • This is a preferable method for many because the interest rates are generally low and the amortization is long, allowing borrowers to steadily pay down the debt for smaller amounts monthly.
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  • The principal adjustments are made in respect of rationalization costs, the impairment of goodwill and the amortization of acquired intangibles.
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  • Earnings per share, before amortization of acquisition-related intangibles and restructuring charges, are expected to be $ 0.26.
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  • There has been no new non-marketable borrowing since the 1980s, and the debt is being gradually repaid under fixed amortization schedules.
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  • This is referred to as amortization, and could be as little as five years or as many as thirty.
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  • Additionally, homeowners who enjoy their tax breaks should take the IRS amortization schedule into consideration.
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  • A mortgage amortization calculator gives you the rate at which your home is building equity.
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  • Potential first-time buyers should make an attempt to understand the way interest rates work with home loans, in addition to obtaining some knowledge regarding the basic amortization structure of home loans.
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  • Apply for a fixed rate mortgage with the shortest amortization you can afford, because this will avoid any rude surprises from sudden interest rate increases.
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  • Use the amortization calculator below to find out how much you can expect to pay for your monthly mortgage payment based on the amount you borrow.
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  • The best fixed rate mortgage has as few fees as possible and has the shortest amortization, allowing you to comfortably make monthly payments without putting a dent into your lifestyle.
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  • A mortgage amortization table is a valuable tool for homeowners and those who are thinking about buying a home.
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  • Reading a mortgage amortization table will show you how much of the principal will remain on your mortgage at the end of each year the mortgage runs.
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  • Another interesting bit of information contained in a mortgage amortization table is the total amount of interest you will pay for the privilege of owning a home with a mortgage.
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  • You can also use a mortgage amortization table to find out what the impact of any extra payments will be on your mortgage.
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  • It can be hard to figure out how a mortgage gets paid off over time without first viewing samples of amortization schedules.
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  • There is no lack of amortization schedule samples available on the Web.
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  • Yahoo Real Estate - This bare bones calculator creates samples of amortization schedules that include property taxes, Private Mortgage Insurance (PMI) and hazard insurance.
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  • Microsoft Office Online - This site offers an amortization schedule template that users can open up as an Excel spreadsheet.
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  • It is suitable for someone who, for whatever reason, just wants to know what an amortization schedule is and what it looks like.
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  • These schedules can also be very helpful for people with adjustable rate mortgages, since they can print out new amortization schedules as their rates change.
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  • Real estate agents can also use sample amortization schedules to help potential buyers who are not sure what their price range should be.
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  • No matter how a sample amortization schedule is used, it's important to realize that mortgage rates are not set in stone until the home buyer signs on the dotted line, no matter what the sample schedule says.
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  • Amortization spreadsheets contain long, complex calculations.
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  • The most common amortization spreadsheets are those from Excel.
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  • Using amortization spreadsheets can really give you a look at how expensive a mortgage can be to the average homeowner, even if the interest rate is low.
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  • Use an amortization spreadsheet to find out how much monthly payments will be.
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  • Use amortization schedules to determine if refinancing your home is a good investment.
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  • This includes a balloon payment calculator spreadsheet and a simple interest Excel amortization spreadsheet.
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  • Sometimes the data from the amortization chart is also plotted on a line graph with the x axis representing time and the y axis representing the dollar amount.
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  • It can be difficult to understand what an amortization chart is without actually seeing one.
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  • Vertex42.com provides examples of both the traditional amortization chart and the line chart.
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  • The Federal Reserve Board's site has an image of an amortization bar chart that gives another visual take on the difference between principal payments and interest payments.
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  • It is also easy to create your own customized amortization schedule.
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  • The Internet offers many options for websites with amortization schedules.
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  • Many of the sites have free, printable amortization tables.
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  • It is not difficult to find amortization schedules.
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  • You can create your own straight line amortization chart with an Excel spreadsheet.
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  • Mortgage-x.com - This website has a very large selection of amortization schedules covering many types of mortgage loans.
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  • Schedules range from a very simple 30-year Amortization Schedule to a more complex Pay Option ARM Amortization Calculator.
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  • You do not have to pay to receive an accurate, easy-to-read amortization schedule.
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  • A simple interest amortization schedule is useful when calculating simple interest on large loans, such as mortgage and auto loans.
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  • Amortization schedules offer many benefits to borrowers.
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  • Amortization schedules are not an efficient tool for tracking variable rate mortgages, but they work very well for fixed interest rates.
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  • However, any time you alter from your payment plan by paying extra or skipping a payment, you change the amortization schedule.
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  • It is extremely difficult to create and maintain hard copy simple amortization schedules.
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  • Because of this, nearly everyone relies on virtual spreadsheets to calculate and adjust their simple interest amortization schedule.
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  • Vertex42 offers a free, downloadable amortization schedule for Excel.
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  • You can obtain a copy of your amortization table by contacting your lender.
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  • In most states, law requires mortgage lenders to supply borrowers with a copy of their amortization schedule before document signing.
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  • Although the concept of amortization can seem complex, it is relatively easy to create an amortization table.
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  • You can use an online amortization calculator or you create an amortization table using a spreadsheet which has been preprogrammed with the mathematical calculations necessary to amortize your information onto the spreadsheet.
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  • For example, Mortgage-x.com has several different pre-formatted spreadsheets including a straight line amortization chart which can be quickly created using an Excel spreadsheet.
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  • Finding amortization tables free online is not a problem.
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  • Amortization is the factoring of debt repayment, such as on a home mortgage.
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  • An amortization table breaks down the monthly payment by how much it is and what it is paying for.
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  • A number of websites allow you to create your own amortization table.
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  • This will bring up a full amortization table with all of your mortgage details.
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  • The following is a few lines from an amortization table.
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  • Perhaps the most interesting portion of an amortization table is the total interest paid section.
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  • If you do not have one, you can obtain an amortization table free through any of the above methods.
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  • Bankrate.com offers amortization schedules for 10- to 30-year mortgages, for fixed, fixed refinances, FHA, FHA refinances, ARM and ARM refinances.
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  • Amortization is the process of paying off a debt over a specific period of time, using regular payments (usually monthly).
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  • You will be able to see at a glance the percentage of interest and the percentage of principal in each payment in an amortization schedule.
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  • You'll receive an amortization chart that shows how the money you pay in each month will be allocated among principal, interest, and your escrow accounts.
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  • Be sure to request an amortization table from the mortgage calculator.
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  • You can also download and use mortgage amortization spreadsheets, which also allow you to plug in information to estimate the mortgage payment.
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  • A buyer and seller can enter into interest only, fixed rate amortization, less-than interest, or balloon financing.
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  • This may result in another 30 year amortization (or whatever term the lender and borrower agree on), which stretches out the amount of time a homeowner spends paying off his or her home.
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  • As you enter different amounts into the calculator, look at the amortization table.
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  • Use the amortization table to find out how much.
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  • The amortization schedule lists the monthly payment during the interest-only period and in the secondary repayment phase, which combines interest and principal.
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  • Before buying a home, it's important to understand the interest only mortgage amortization schedule.
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  • An amortization schedule is a table that outlines the payments made to pay down a mortgage.
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  • Amortization describes the process of paying off a debt over time by making regular payments over a set term.
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  • Instead of trying to figure it out yourself, use an amortization calculator.
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  • Use the calculator at Bankrate.com to calculate the amortization schedule.
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  • The amortization schedule reflects your monthly payment at that point.
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  • Some amortization schedules also outline any prepayments you make and factor that into the calculations.
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  • To include this information in the amortization schedule, list the frequency and amount on the mortgage calculator.
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  • In addition to providing you with an estimate of your monthly car payment, some calculators offer an amortization schedule.
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  • You'll also be able to see what additional payments will do to your overall payoff period and amortization.
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  • However, a quick look at an amortization calculator can show you the effect of this rate change.
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  • To provide for the repayment from earnings of the capital invested in a mining property and expended in development, and to provide for the depreciation in value of the plant and equipment, an amortization fund must be accumulated during the life of the mine; or, if it be desired to continue the business of mining elsewhere, a similar fund must be created for the purchase, development and equipment of a new property to take the place of the original deposit when that shall be exhausted.
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  • For the fourth quarter of 2001, SG&A expenses included $ 5.5 million of restructuring charges and $ 2.5 million of goodwill amortization.
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  • The lower goodwill amortization charge in 2005 reflects the goodwill amortization charge in 2005 reflects the goodwill impairment charge taken in 2004.
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  • If you used a fifteen year amortization rate the first time, you can go back and compare what your payments will be like with a thirty year mortgage, or if you use a different down payment.
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  • To cover the special risks of mining, capital should earn a higher interest than in ordinary business, and if we assume that the sinking-fund be safely invested, we must compute the amortization on a lower basis than 5%.
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  • The national expenditures are chiefly for the interest and amortization charges on the public debt, official salaries, military expenses in connexion with the army and navy, public works (including railway construction, port improvements, water and sewage works), the administration of the state railways, telegraph lines and post office, church subsidies, public instruction and foreign representation.
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  • The yearly charge for interest and amortization, about 124,000, is to be paid in two half-yearly instalments, and in the event of default the Russian bank will have the right to exercise effective control of the customs with a maximum number of twenty-five European employ/s.
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  • The amortization is to proceed by purchase when the unified bonds are below par, and when at or above par, by drawings.
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  • Assuming, for example, the life of the mine at ten years as before, and taking the interest to be earned by the amortization fund at 3%, and that on the investment at io%, we shall find that the annual income should amount to 18.7% per year.
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  • It was provided that amortization, at £10,000 yearly, should begin in 1917.
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  • In 1895 an arrangement was made for the reduction of interest to 4%, the beginning of amortization, and the creation of "coffee warrants" to be used in the payment of export duties on coffee assigned for the service of the debt.
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  • The amortization of the home and colonial debts was suppressed, and the redeemable debts of both classes were converted into 4% internal consols.
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  • Taking into account the risk attending all mining operations, which make necessary large interest and amortization charges on the cost of a tunnel, it will in most cases be advisable to raise the water to the surface by mechanical means.
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  • If, for example, we assume the life of a given mine at ten years and the rate of interest at 5%, it will be necessary that the property shall earn nearly 13% annually - viz., 5% interest and 8% for the annual payment to the amortization or the reserve fund.
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  • Consequently, the Spanish government had once more to attempt to make both ends meet by asking its creditors to assent to the suppression of all the amortization of imperial and colonial debts, and to a tax of 20% on the coupons of all the debts, whilst at the same time the Cortes were asked to authorize a consolidation and liquidation of the floating and war debts and an annual increase of 3,200,000 in already heavy taxation.
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