Commercial mortgage rates: comparing competitive pricing

Article Abstract:

Fixed-rate commercial mortgages are priced according to prices of Treasury bonds with similar maturities, prices for B double A rated bonds, and the lending institution's cost of funds. Consequently, conventional first mortgages can have a 200 to 300 basis point spread above the Treasury bonds selling with the same maturity dates. Mortgage rate setting is explained in terms of liens, mortgage term (in years), property types, and age of property. Mortgage fee reductions are also discussed in terms of dollar sizes of loans, funding schedules, and chargeable (and nonchargeable) fees. Property loans for less than $1 million are generally the most expensive loans, funding that is available within 60 to 90 days of the agreement attracts competitive rates, and chargeable fees can vary from 1 to 2 percent, depending upon the lender.

Economic aspects, Finance, Housing, Real estate industry, Mortgages

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Who Pays for 'Short Calls'?: FCC Specifies Charging Practices

Article Abstract:

The Federal Communications Commission (FCC) has found recently that long-distance telephone companies and resellers of long-distance service do not have to specify in tariffs their short-call charging practices. Short calls are busy signals, unanswered calls and so forth. But the companies do have to inform the Common Carrier Bureau of their practices. Most companies were found to be careful about their billing procedures. AT&T was not affected by this decision.

Laws, regulations and rules, Telephone companies, Competition, Telephone Company, Government Regulation, Tariff, FCC

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IRS Pays More Attention to Intercompany Pricing

Article Abstract:

United States companies with foreign subsidiaries are advised to conduct an economic analysis on their pricing to avoid tax assessment. Intercompany transactions should reflect comparative pricing as the market fluctuates. Factors such as risk, patents, corporate name, and technology should be considered in the analysis.

Prices and rates, Econometrics

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