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In accounting, the liquidity ratio expresses a company's ability to repay short-term creditors out of its total cash. It is the result of dividing the total cash by short-term borrowings. It shows the number of times short-term liabilities are covered by cash. If the value is greater than 1.00, it means fully covered. The formula is the following:
For a corporation with a published balance sheet there are various ratios used to calculate a measure of liquidity. [1] These include the following: [2] The current ratio is the simplest measure and calculated by dividing the total current assets by the total current liabilities. A value of over 100% is normal in a non-banking corporation.
You’ll find the current ratio with other liquidity ratios. General Electric’s (GE) current assets in December 2021 were $65.5 billion; its current liabilities were $51.95 billion, making its ...
Pool factors are only used to describe specific classes of securities, namely pooled asset-backed securities (ABSs) and mortgage-backed securities (MBSs) whose component payments are returned to investors on a monthly basis. [1] Pool factors are published monthly in the US for Ginnie Mae, Fannie Mae, and Freddie Mac mortgage-backed securities ...
An FNMA loan, aka a conforming loan or Fannie Mae-backed mortgage, is a loan or mortgage that has been sold to the Federal National Mortgage Association (FNMA, or Fannie Mae) — or one that meets ...
The ratio can be calculated with the following formula: A v a i l a b l e a m o u n t o f s t a b l e f u n d i n g R e q u i r e d a m o u n t o f s t a b l e f u n d i n g {\displaystyle {\frac {Available\ amount\ of\ stable\ funding}{Required\ amount\ of\ stable\ funding}}} ≥ 100%
Your DTI greatly impacts your ability to get approved for a loan or mortgage. Your debt-to-income ratio (DTI) is your total monthly debt payments divided by your total gross monthly income.
If a loan's origination amount is above the CLL then a mortgage is considered a jumbo loan, and typically has higher rates associated with it. This is because both Fannie Mae and Freddie Mac only buy loans that are conforming, to repackage into the secondary market, making the demand for a non-conforming loan much less. By virtue of the laws of ...