Refinancing is replacing an existing debt with a debt obligation, often bearing different and better terms for the borrower. The most popular form of consumer refinancing is for a home mortgage.
What are the advantages of refinancing?
Definition
Refinancing
The repayment of a loan with funds from a new loan secured by the same property as the first loan. The new loan may be from the same or a different lending institution.
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When an owner obtains a new first mortgage on his real estate, the homeowner has undergone a home refinancing. Simply put, think of home refinancing as trading in an old first mortgage for a new first mortgage.
Refinancing
Same as refunding. New securities are sold by a company and the money is used to retire existing securities. Object may be to save interest costs, extend the maturity of the loan, or both.
Refinancing risk
Operational risk
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Refinancing
An extension and/or increase in amount of existing debt.
Reflation
Government monetary action that causes a reversal of deflation.
A refinancing technique where debt holders forgive some of the debt they hold in exchange for equity in the company. Often this is done in bankruptcy or near-bankruptcy situations if the company is unable to pay back the debt.
A refinancing deal in which a debt holder gets an equity position in exchange for cancellation of the debt.
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The refinancing of an existing mortgage for the purpose of changing the interest and/or term of a mortgage without advancing new money on the loan. This differs from a cash-out refinance, in which new money is advanced on the loan.
Long-term refinancing operations (LTRO) Long-term collateralized loans extended by the ECB to member banks. Terms have ranged from 3 months up to 3-years.
Threshold for refinancing
The point when the weighted-average coupon of an MBS is at a level to induce homeowners to prepay the mortgage in order to refinance to a lower-rate mortgage, ...
[ITDS] acquisition credit fees other than interest charged by a thrift institution for making, refinancing or changing a loan or a loan commitment. Acquisition credits are sometimes referred to as loan origination fees.
cash-out refinancing The process of taking out of a new mortgage at an amount that exceeds the existing... cashbook An accounting book which documents both cash receipts and disbursements.
Application: A Callable Bond is a way to make a bet about refinancing costs at the Call Date. The issuer is betting that interest rates will drop, the bond price will rise, he will call the bond, and he will refinance at a lower rate.
A central bank is a privately held refinancing bank of last resort, thus a monetary monopoly. Most will hold reserves of some description, usually foreign currency and gold reserves.
If the Debt Ratio is decreasing, it is generally a positive sign, showing the company may be paying off its Short-Term Debt or possibly refinancing its Short Term Debt into Long Term Debt.
Typically, a mortgage borrower can prepay the mortgage loan by selling the property, refinancing the mortgage, paying off the loan in part or in whole, or defaulting on their loans.
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If your credit scores are in the 500's to low 600's, you may want to consider refinancing if a mortgage loan is available for you.
But they are only based on membership or benefits in the minimum reserve requirement, but when refinancing. The substantial amount of money that would rotate the activities of the U.S. central bank's so-called federal funds rate.
And the really bizarre thing is, the NASD's warning is based on data more than two years old: "From 2001 through the first half of 2002, 11% of total funds obtained from mortgage refinancings were used for stock-market and other financial investments.
The tendency of a Pool of MBS to reflect an especially High rate of Prepayments the first time it crosses the threshold for refinancing, ...
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This is similar to refinancing the mortgage on your house so you can make lower monthly payments.
In addition the ECB conducts several fine tuning operations through its main short term refinancing operations which are conducted weekly.
LPL Investment Holdings Inc. Announces Proposed Refinancing of Senior Secured Credit Facilities
Publish Date: Mar 06, 2012 08:30 AM
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Refinancing triggered by falling interest rates causes increased prepayments, which can cause bonds that are mortgage-backed to be called early. For the homeowner, however, prepayment provides an opportunity to save on mortgage loans.
Paying down debt and refinancing other debt at lower interest rates.
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Companies with lower values should consider liquidating some inventory, refinancing short-term debt with long-term debt and/or consider a sale/leaseback of fixed assets.
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Time value: It is determined by the remaining lifespan of the option, the volatility and the cost of refinancing the underlying asset (interest rates).
Time value = option price - intrinsic value ...
The term is usually used with reference to LDC debt. The term rescheduling is considered to be refinancing to avoid any implication of default. Major sovereign debt rescheduling for Brazil, and Mexico have been undertaken in recent years.
Prepayment Risk The risk of loss of additional profits due to the early repayment of principal on a higher yielding debt instrument or loan, than could be obtained at current market prices (e.g., refinancing of mortgages when interest rates fall).
maturity within a serial issue of securities (usually the last maturity) that contains a disproportionately large percentage of the principal amount of the issue. The payment of the balloon may be contingent upon or presume some form of refinancing ...
Prepayment can also accelerate when interest rates fall and mortgage holders subsequently refinance their homes. Therefore, CMOs are subject to interest rate risk, which manifests itself as an increase in refinancing activity.
Banks manage their interest rate risk by selling callable CDs. On the call date, the banks determine if it is cheaper to replace the investment or leave it outstanding. This is similar to refinancing a mortgage.
Refunding: Selling a new bond issue and using the proceeds to call an outstanding issue (usually done to decrease interest costs or extend maturity). Also called refinancing.
 See also: Investment, Interest, Market, Interest Rate, Rate
  
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