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Business Briefs - Herald News
NEW YORK -- The world's third-largest independent chemical company has denied reports it defaulted on millions in loans. LyondellBasell Industries AF was downgraded Tuesday by credit ratings agencies Standard & Poor's and Moody's. The company was ...

2008 The Year in Review, - Manhasset Press
Nighttime closures on the Roslyn Viaduct construction begin Jan. 21 for the protection of motorists and workers. The Tower Foundation of Manhasset holds presentations on Interactive Whiteboards (IAW). Tower's goal is to place an IWB in every ...

Today's Mortgage Terms starting with P

Payment Cap: A limit on the size of the monthly payment of an adjustable-rate mortgage or other variable rate loan.

Point: A point is equivalent to 1 percent of a mortgage loan. Lenders might charge "origination points" to cover expenses of processing a loan. Some borrowers might pay "discount points" to reduce the loan's interest rate.

Pre-Approval: The process of calculating how much money a potential homebuyer could borrow.

Prepayment Penalty: A lender's charge to the borrower for paying down the loan before the end of its term.

Pre-Qualification: A non-binding process of calculating how much money a potential homebuyer can borrow before applying for a loan. Information submitted during pre-qualification is subject to verification at application.

Principal: It is the amount of money borrowed or owed, excluding interest.

View all Terms

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