a fixed-rate mortgage is usually a good choice, since it locks in the current rate and protects you from the higher rates to come. When rates are falling, an adjustable-rate mortgage (ARM) becomes more attractive, as its interest rate changes periodically (usually every one, three, or five years), allowing you to benefit from the new, lower rates. Some people choose an ARM even when rates are rising. This is because the interest rate on an ARM is substantially lower -- as much as two percentage points lower than that of a 30-year fixed-rate mortgage. That means youÆll pay less until mortgage rates have increased a full two percentage points. After that, youÆll pay more than a fixed rate. There are also hybrid ARMs, which have a fixed rate for a certain time period -- typically three to 10 years -- and then become adjustable. (A 5/1 ARM, for example, has a fixed rate for five years, after which the interest rate is adjusted annually.) Hybrid ARMs can be the right choice if rates are likely to rise in the short-term but then flatten or fall. However, these long-term trends can be difficult to predict. Refinancing A change in the interest rate trend can make it worthwhile to switch to a different type of mortgage. When rates are falling, you can save money by moving from a fixed-rate to an adjustable-rate mortgage, so you can benefit from the lower rates. If interest rates appear set for a sustained rise, switching from an ARM to a fixed-rate mortgage can lock in a lower rate and protect you from higher payments. However, you should make sure that any closing costs donÆt offset the benefits of refinancing. For more information on mortgages and interest rates, visit http://www.lendingtree.com/cec/yourhome/yourmortgage/interest-rate-trends.asp? Title: Mortgages And Loans. Islamic Finance Avoids Interest. Word Count: 1397 Summary: Two million Muslims in the UK face an ethical dilemma if they want a mortgage or a loan. Conventional mortgages and loans all require the payment of interest and ôribaö as interest is called under Islamic law, is forbidden by the Koran. British financial institutions are increasingly catering for Muslims' specialist needs through a number of alternative arrangements that respects the teachings of the Koran. Here are just two of them: Ijara with diminishing Musharaka û t... Keywords: islamic,finance,glossary Article Body: Two million Muslims in the UK face an ethical dilemma if they want a mortgage or a loan. Conventional mortgages and loans
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Dean Diesel Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Dean Diesel Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Dean Diesel Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Dean Diesel Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Dean Diesel Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Dean Diesel Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Dean Diesel Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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