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Copyright © 2012, Campbell R. Harvey. All Rights Reserved.


GOST 7.67 Latin three-letter geocode for Armenia. The code is used for transactions to and from Armenian bank accounts and for international shipping to Armenia. As with all GOST 7.67 codes, it is used primarily in Cyrillic alphabets.
Farlex Financial Dictionary. © 2012 Farlex, Inc. All Rights Reserved

Adjustable rate mortgage (ARM).

An adjustable rate mortgage is a long-term loan you use to finance a real estate purchase, typically a home.

Unlike a fixed-rate mortgage, where the interest rate remains the same for the term of the loan, the interest rate on an ARM is adjusted, or changed, during its term.

The initial rate on an ARM is usually lower than the rate on a fixed-rate mortgage for the same term, which means it may be easier to qualify for an ARM. You take the risk, however, that interest rates may rise, increasing the cost of your mortgage. Of course, it's also possible that the rates may drop, decreasing your payments.

The rate adjustments, which are based on changes in one of the publicly reported indexes that reflect market rates, occur at preset times, usually once a year but sometimes less often. Typically, rate changes on ARMs are capped both annually and over the term of the loan, which helps protect you in the case of a rapid or sustained increase in market rates.

However, certain ARMs allow negative amortization, which means additional interest could accumulate on the outstanding balance if market rates rise higher than the cap. That interest would be due when the loan matured or if you want to prepay.

Dictionary of Financial Terms. Copyright © 2008 Lightbulb Press, Inc. All Rights Reserved.


See adjustable-rate mortgage.
The Complete Real Estate Encyclopedia by Denise L. Evans, JD & O. William Evans, JD. Copyright © 2007 by The McGraw-Hill Companies, Inc.


See Adjustable Rate Mortgage.

The Mortgage Encyclopedia. Copyright © 2004 by Jack Guttentag. Used with permission of The McGraw-Hill Companies, Inc.
References in periodicals archive ?
TEWL at the buttocks and inner upper arms was significantly higher in both age groups of infants compared to the mothers.
Possible software errors of cloud data with successful data extraction according to 3D software: A) Cloud data of 3D scanner with additional spatial dots; A1) Successful extraction of data despite additional spatial dots; A2) Cloud data error caused by movement during the scan; A3) Software error not producing the full cloud data body image on forearm; A4) Software error not producing the full cloud data body image on wrist; A5) Successful extraction of data despite Software error not producing the full cloud data body image on wrist; A6) Software error not producing the full cloud data body image on upper arm and forearm; A7) Successful extraction of data despite Software error not producing the full cloud data body image on upper arm and forearm.
For upper arm length subjects were asked to stand straight with the elbow flexed at 90 and the distance between the acromion and olecrenon processes was measured.13 The midpoint between these two processes was marked and the subject was then asked to let the arm hang loosely by his side.
The fistula adequacy rate was lower in forearm fistulas as compared to upper arm fistulas (40% vs.
Eser, Khorshid, Gunes, and Demir (2007) also found that body position affected blood pressure readings in their study of young adults, with SBP and DBP highest in the supine (lying) position compared to sitting or standing positions, even when the upper arm was used for blood pressure measurement and was positioned at the correct right atrium level.
VACS researchers planned this new study to further assess the impact of HIV and other, traditional risk factors on fractures of the hip, vertebrae (spine), and upper arm. (1) These types of fractures are often "fragility fractures," meaning they do not result from trauma, but rather may be a marker of frailty.
TARGET AREA: This exercise firms up triceps and upper arm muscles HOW TO DO IT: Sit with your back to a bench or chair and place your hands on it, a shoulder's width apart.
The location for BP measurement traditionally has been the upper arm (from shoulder to elbow).
In this case, we present a "spare parts" surgical technique to successfully close a large defect of the shoulder and chest wall using a fillet of upper arm pedicled flap.
* Your healthcare professional should help you select a cuff-style upper arm monitor, make sure it's accurate, and show you how to use it.
A recent study found that the thickness of a child's upper arm tissue (fat and muscle in the deltoid area) was often less than the length of the needle used.

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