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The dollar amount charged as a loan origination fee, which is included in the annual percentage rate (APR) calculation. For many loans a 1% origination fee is common. For example, a 1% fee on a $120,000 loan would cost $1,200. With a longer mortgage term, your monthly payments are smaller because you have more time to pay the loan back. However, a longer term will cost more in total interest, and long-term mortgage interest rates are usually higher than short-term ones. For example, compare a $200,000 mortgage with a 15- or 30-year term. Annual Percentage Rate (APR) The cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees. For home equity lines, the APR is just the interest rate.

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Assume an investment that pays you 2000 dollars in the end of the first, second, and third year for an annual interest rate of 12% compounded quarterly. Calculate  Notice, that the annual equivalent of his rate is slightly less than 6%, at 5.926% In other words, 5.926% compounded monthly is 6.09% annually. If you are comfortable using the formula to calculate the present value of an annuity, this is   Yearly Compound Interest Formula. If you put P dollars in a savings account with an annual interest rate r , and the interest is compounded yearly, then the 

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Unemployment Rate in New Zealand averaged 5.97 percent from 1985 until 2019, labour force participation rate decreased to 70.1 percent from 70.4 percent.

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