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The cows I buy are typically sent to the butcher between 30 and 36 months old. And at that age, they usually have an average weight of about 1,300 pounds. We tell you what you’ll get for a specific price, and that’s what we deliver.

We would have less control if we bought our cows from a large ranching operation. Because Smokey is my close and personal friend, my cows get special treatment. That’s why many butchers only hang their beef after slaughter for up to two weeks because they want to free up space in their freezers and turn profits faster. It represents the total beef weight you bring home and stuff inside your freezer. There are several ways you may not have thought of to locate cattle for sale where you live. For instance, you can talk to your online friends in agricultural social media groups, search Craigslist, ask your local 4H chapter, or even question the neighborhood butcher.

Schedule Processing Date

• Stay patient, evaluate your options, and focus on health and temperament above all else.
• However, if there’s any confusion, you might need a cowculator for this step.
• Butchers commonly maintain various relationships with ranchers, so they’re likely to know where you can forge a relationship with a pig or cow farmer.
• You want a healthy cow that’s been cared for and raised diligently.
• While it is possible to expedite the process and have everything taken care of in a month, this is rare and often requires months of preparation and planning.

Capital Farms emphasizes practical meal planning by organizing cuts for different cooking methods, ensuring every portion such as sirloin steak or roast is ready for various recipes. This system supports consumers with clear strategies to rotate meals and minimize waste while maximizing the value of their whole beef investment. The service allows customers to tailor their order to include these extra components, meeting the needs of those who value a comprehensive approach to meal planning.

How do you get the best value on beef? Will you really save money?

Capital Farms employs this approach to guarantee that personalized cutting requests are accurately met, providing clients with premium beef that aligns with their meal planning and culinary requirements. Commitment goes beyond a single transaction and requires ongoing organizational efforts, particularly for arranging freezer space and scheduled meal planning. Buyers who opt for a whole cow benefit from direct control over premium cuts and reliable access to high-quality protein that meets stringent standards. Effective freezer organization helps ensure that premium cuts remain fresh for extended periods. The shelf life of a whole beef supply often depends on careful storage and meal planning.

Education about these processes is crucial for consumers to make informed choices in agriculture and food sourcing. The processing timeline for a whole cow order at Capital Farms starts immediately after order confirmation. Experts work methodically, ensuring every stage from initial weighing to detailed trimming is executed with precision and transparency. The team prioritizes clear communication, making sure customers understand the timeline and receive updates as each milestone is reached.

This involves understanding how the cow is raised, processed, and packaged. Knowing what to expect at each step will help you plan better and avoid surprises. Capital Farms professionals recommend using premium cuts for both everyday dishes and special occasions, providing ideas for hearty stews or grilled meals that suit busy lifestyles. The organized storage system and detailed labeling simplify the process, allowing buyers to access and plan meals with ease and confidence. The ground beef is ideal for both home kitchens and professional environments, offering a practical solution to meet various culinary needs.

Facts About Beef

• And you can expect your frozen meat to stay edible for at least a year.
• Readers will learn about the ordering process, processing journey, and the valuable cuts included when you purchase whole beef.
• Contact your second cousin you haven’t spoken to in three months.
• This guide offers detailed insights into the different options, ensuring buyers understand the distinct qualities and uses of each cut for a balanced meal plan.

It also touches on related aspects such as jerky production, pasture-raised cattle, and cuts like oxtail, offering clear insights on managing purchase expenses and value when buying a whole cow. The logistics of freezer organization play a vital role in maintaining the quality of meat throughout storage. Capital Farms recommends clear-cut organization for whole cow cuts to streamline access and maintain quality. The efficient arrangement in a well-structured freezer system allows customers to store premium beef products, such as steak and roast, in a systematic order that supports straightforward meal planning.

All About the Meat Inspection Process for Food Safety

Vetting these ranchers confirms they prioritize raising cattle to maturity, ensuring a consistent and high-quality product from start to finish. As I mentioned, my wife and I work with our friend, Smokey, a cattle rancher, to keep a young steer in the pastures at all times. Our meat freezer is always well-stocked, and there’s always another happy and well-treated cow in the field waiting to replenish its supply. Contact your second cousin you haven’t spoken to in three months. Get on your Facebook, Twitter (X), and other social media accounts and talk to your online friends.

Learning more about buying cattle is important, especially if you want to add some more cattle in your existing herd or want to establish a new business. If you’ve been dreaming of saving money and having better-tasting beef that you know all about, all while giving a young steer a better life, then maybe it’s time to take action. I don’t want to eat beef loaded with steroids, antibiotics, “vaccines,” and other poisonous chemicals not intended by nature. Let’s look closer at these considerations that affect the quality of the beef you purchase – and the degree that you get what you want instead of what you have to accept. It gained its weight naturally from non-toxic plants, as nature intended.

This means a quarter cow can fit in a small chest type freezer, and whole beef orders will need a large chest type freezer. This is typically when you will finalize payment with the processor and the rancher. Some ranchers may require payment for hauling and the cow once the hot hanging weight is determined, but some may wait until the entire process is finished. Capital Farms demonstrates that bulk purchases of whole beef can lower overall expenses, providing significant savings compared to buying individual cuts. Various factors contribute to whether or not you get a good deal when you buy a cow. You’ll need to consider how much meat you’re getting, the animal’s health, any hidden fees, how long the animal hung before final processing, and the size of the ranching operation where your cow got raised.

If unfortunately you don’t have the money right on hand, then you have to make arrangements to pay later. And these two ways are by auction and directly from private farm or livestock market. However, if there’s any confusion, you might need a cowculator for this step. Craigslist is a powerful resource for finding anything you want for sale.

Complete Guide to the Best Animals for Small Farms and Homesteads

This structured approach guarantees that every whole cow purchase is supported by transparent practices and accessible support, matching the needs of clients seeking reliable, high-quality beef options. Purchasing grass fed whole beef provides customers with the opportunity to stock premium cuts directly from trusted sources, guaranteeing transparency in farming practices and effective quality assurance. This method aligns well with consumer preferences for straightforward, trustworthy meat products while supporting sustainable operations on reputable ranches.

How to Choose the Right Cattle Breed for Your Farm

Capital Farms provides clear details about the selection of steak cuts, enabling customers to choose options that best meet their culinary needs. With expert advice on the best practices for storage and preparation, buyers gain confidence in using each cut for tailored recipes and consistent quality in every culinary creation. Capital Farms coordinates detailed pickup and delivery schedules for finished whole beef to ensure a seamless transition from processing to storage. Customers benefit from reliable service and How to buy a cow clear scheduling instructions that simplify planning for premium grass fed, grain finished beef orders. Capital Farms ensures that each customer has the opportunity to communicate detailed cutting preferences during the ordering journey. The structured fee system also covers meticulous work required for cuts comparable to pork and ground beef, addressing concerns over consistent quality and portion control.

The taste of grass fed beef stands apart with a naturally lean flavor that satisfies those seeking a clean and distinct profile. Experts note that the texture is typically firmer, which appeals to chefs and home cooks looking for reliable consistency in whole cow for sale selections. Capital Farms applies clear processing fees that take into account the diverse cuts such as skirt steak, brisket, and picanha, ensuring that the overall cost reflects expert handling from ranch to table. The transparent cost process supports a reliable pricing model that benefits customers by maximizing value without compromising quality. So, for instance, if you want to purchase a half cow, about 400 pounds of quality beef, you will need approximately a 14 cubic foot freezer.

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Stock market today: Dow, S&P 500, Nasdaq futures eye a recovery from tech-led sell-off

Instead, an independent Wall Street Journal commission decides whether a share is to be included or excluded. Like the Swiss Market Index (SMI), the Dow Jones is a price index. The shares included in it are weighted according to price; the index level represents the average of the shares included in it. Dividend payments are not considered in the index.

Ostatnia zwyżka akcji może także być związana z możliwością wypłaty dywidendy, choć analitycy nie wierzą, aby stało się to już w tym roku. Akcje banku zanotowały sporą zwyżkę, mimo niezrealizowanej obietnicy zwiększenia free floatu. Subfundusz BNP Paribas Akcji AQUA jest jasnozielonym produktem inwestycyjnym zgodnie z art. 8 SFDR.

PKO BP z nową aplikacją. Nie tylko dla klientów

Ten projekt to dla InPost naturalne uzupełnienie naszej sieci o dodatkowe punkty, tak by być jeszcze bliżej Klientów. Współpraca z Bankiem BNP Paribas to przykład, jak Problemy finansowe Forex MMCIS grupy poprzez synergię różnych usług możemy tworzyć jeszcze wygodniejsze i bardziej dostępne rozwiązania. Budujemy sieć punktów Out of home (OOH) z myślą o codziennych potrzebach użytkowników i nieustannie otwieramy się na nowe kierunki rozwoju. A wszystko to by zapewniać naszym klientom maksymalną wygodę przy odbiorze paczek. Waldemar Brzoska nazywa to naturalnym uzupełnieniem sieci.

BNP Paribas Bank Polska SA – wiadomości

W placówkach banku staną popularne Paczkomaty. Tekst oryginalnego komunikatu Fitch Ratings jest dostępny na stronie internetowej Agencji. To dzięki nim możemy udostępniać Ci nasze treści.

Rynek cyfrowej reklamy zewnętrznej (DOOH), w na którym działa spółka jest drugim najszybciej rosnącym medium reklamowym po Internecie. Trend cyfryzacji reklamy oraz zwiększający się popyt na interaktywne kampanie sprawił, że rynek DOOH wzrósł w 2024 roku o ponad 30% vs 2023 rok, a bieżący rok może być rekordowy. Świadczą o tym wyniki spółki za ostanie kwartały w tym za 2Q25, które to okazały się zgodne ze wcześniejszymi prognozami zarządu. W drugim kwartale sprzedaż wyniosła 20,5 mln zł (+25% r/r), a skorygowany zysk netto wyniósł 7,4 mln zł (+57% r/r). Ponadto przed spółką jeszcze najlepsze sezonowo kwartały, gdzie intensyfikacja kampanii reklamowych jest znacząco większa w porównaniu z pierwszą połową roku.

BNP PARIBAS BANK POLSKA SA (29/ Akcja ratingowa podjęta przez agencję Fitch Ratings

Pomimo swojego wzrostowego charakteru spółka dzieli się z akcjonariuszami dywidendą (4,82 zł na akcje, 3% stopa dywidendy), co również oceniamy pozytywnie. Ponadto wyniki z realizacji bieżącego portfela wspierane są przez stabilizację kosztów po stronie materiałów i podwykonawców. Wartość portfela zamówień na koniec 3Q25 wyniosła 16,0 mld PLN vs 17,8 mld PLN Co przedsiębiorcy mówią o brokerze MaxiMarkets na koniec 2024 r., natomiast w tzw. Poczekalni są kontrakty o wartości 10 mld PLN, z czego połowa na rynku zagranicznym. Przychody w 2Q były wyższe o 24% r/r, EBITDA o 31% r/r a zysk netto był wyższy o 36% r/r, a wyniki były ponownie powyżej rynkowych oczekiwań.

• Chociaż spółka sprzedała mniej robotów daVinci r/r, to rosnąca baza maszyn przekłada się na wysoką dynamikę powtarzalnych przychodów ze sprzedaży usług, dostaw instrumentów i akcesoriów do ich obsługi (+70% r/r).
• BNP Paribas Bank Polska poprawił wynik netto do 695,5 mln zł w III kwartale 2025 r., wobec 635,5 mln zł rok wcześniej.
• Bank na giełdzie pozostaje w cieniu, bo w obrocie znajduje się relatywnie niewielka część akcji.
• Spółka odczuwa też nieco mniejszy poziom presji kosztowych niż w zeszłym roku.
• Ponadto backlog dostaw sprzętu w Alteris na ten rok jest o 30 mln zł wyższy r/r.
• Akcje banku zanotowały sporą zwyżkę, mimo niezrealizowanej obietnicy zwiększenia free floatu.

Kurs EUR/PLN 05 listopada 2025 r.

• Jeżeli spieniężysz inwestycję na wczesnym etapie, faktyczne ryzyko może się znacznie różnić, a zwrot może być niższy.
• Połączenie usług bankowych i logistycznych ma ogromny potencjał, ponieważ użytkowników bankomatu i automatu paczkowego łączą te same oczekiwania – wygody i bezpieczeństwa.
• Zarząd podtrzymuje natomiast powrót do dwucyfrowego zwiększenia wolumenów badań w drugim półroczu, utrzymanie lekkich podwyżek wycen świadczeń refundowanych i poprawę miksu badań w kierunku tych o wyższej rentowności.
• Zarząd oczekuje mniejszej skali podwyżek cen kart, co z uwagi na wysoką ubiegłoroczną bazę, może przełożyć się na lekki spadek rentowności brutto na sprzedaży.

Pozytywnie postrzegamy spółkę na tle branży z GPW, biorąc pod uwagę silną pozycję bilansową, posiadane marki gier oraz pipeline nowych produkcji na kolejne lata. Spodziewamy się przyspieszenia dynamik wynikowych w drugiej połowie roku, m.in. Dzięki dostępności Cyberpunka w katalogu gier PlayStation Plus oraz postępującej sprzedaży gry na Nintendo Switch 2.

Wyniósł 2 135,6 mln zł wobec 1 817,7 mln zł rok wcześniej. Spółka wypracowała 69 mln zł zysku i 89 EBITDA, odpowiednio o 7,6% i 19,1% więcej niż zakładał konsensus. Zarząd jest zadowolona z odbioru gry Cyberpunk 2077 na konsole Nintedo Switch 2, która jest jedną z najbardziej popularnych gier tworzonych przez zewnętrznych producentów na tej konsoli. Prace nad czwartą odsłoną Wiedźmina postępują, a zespół pracujący nad nią liczy już 444 osób. Z kolei nad drugą odsłoną Cyberpunka pracuje 116 osób. Spółka kontynuuje także prace nad nieujawnionymi projektami.

Aktywa razem banku wyniosły 168,6 mld zł na koniec III kwartału 2025 r., wobec 167,5 mld zł na koniec 2024 r. BNP Paribas BP odnotował 2 170,8 mln zł skonsolidowanego zysku netto przypisanego akcjonariuszom jednostki dominującej wobec 1 849,1 mln zł rok wcześniej. BNP Paribas Bank Polska SA to uniwersalny bank oferujący szeroki zakres usług finansowych dla klientów indywidualnych i instytucjonalnych. Specjalizuje się w finansowaniu rolnictwa, gospodarki żywnościowej oraz infrastruktury regionalnej. Bank świadczy usługi bankowości detalicznej, korporacyjnej, MŚP oraz bankowości prywatnej.

Taki skład ponownie pozwolił także zamknąć miesiąc na plusie. Jednocześnie zdecydowanie największą wpływ na wynik miał BDX (BUDIMEX), którego akcje podrożały w październiku o ponad 15%. Lwia część wzrostów to zasługa publikacji wyników za trzeci kwartał pod koniec miesiąca. Analityków do tej inwestycji w większym stopniu skłaniają jednak perspektywy spółki związane z przyspieszeniem w obszarze inwestycji infrastrukturalnych. Wynik z tytułu odsetek wyniósł 1 456,6 mln zł wobec 1 579,4 mln zł rok wcześniej.

Kluczową informacją w ostatnich miesiącach było też przejęcie sieci tureckich klubów fitness MAC, która jest liderem tamtejszego rynku (121 lokalizacji, plany otwarć 26 klubów w tym roku). W ten sposób BFT buduje zarówno ofertę dla użytkowników kart, jak i zdobywa silną pozycję na rozdrobnionym rynku klubów, dodatkowo MAC cechuje się wysoką rentownością, a dotychczasowy zarząd ma pozostać w celu rozwoju biznesu. BNP Paribas Bank Polska poprawił wynik netto do 695,5 mln zł w III kwartale 2025 r., wobec 635,5 mln zł rok wcześniej. Po trzech kwartałach zysk grupy przekroczył 2,17 mld zł, co oznacza wzrost o 17,4 proc.

Francuski właściciel – BNP Paribas – wciąż kontroluje ponad 87 NinjaTrader Korzyści i wady proc. Kapitału, choć zobowiązał się wobec Komisji Nadzoru Finansowego, że free float zostanie zwiększony do 25 proc. KNF stawia takie wymogi wszystkim dziesięciu największym bankom w Polsce. Oznaczałoby to, że trzeba sprzedać ponad 12 proc. Dokładne stopy zwrotu, ich historię i inne szczegółowe parametry dotyczące wyników portfela BNP Paribas BM są dostępne dla abonentów BR Premium po wejściu w panel Twoje zyski z innej strony dostępnego na stronie portfela BNP Paribas BM. W IV kwartale bank zawiązał 1,02 mld zł rezerwy na poczet ryzyka prawnego związanego z portfelem kredytów frankowych, a w całym 2023 r.

Użytkownik może wyłączyć w swojej przeglądarce internetowej opcję przyjmowania ciasteczek, lub dostosować ich ustawienia. Z drugiej strony trudno się dziwić głównemu akcjonariuszowi, że nie spieszy się ze sprzedażą akcji, skoro kurs rośnie, a niektórzy analitycy wyceniają je na ponad 100 zł. Wskaźnik ryzyka SRI jest obliczony przy założeniu, że będziesz utrzymywać inwestycję w produkt przez określony dla tego produktu czas (horyzont inwestycyjny).

For example, bonds issued by corporations may require periodic disclosures about their ability to meet maturity obligations. Maturity, also called the maturity date, is the date on which a debt instrument is agreed to be repaid. In the bond market, maturity is the date on which the bond issuer pays back everything they owe to bondholders. This includes the initial investment made by the bondholder, also known as the face value, par value, or principal, as well as any outstanding interest payments.

Futures and Options

Technological advancements in financial markets, including blockchain and smart contracts, are streamlining processes related to maturity dates. Automated systems ensure timely repayments and reduce the risks of defaults or delays. Governments often tax long-term investments differently than short-term ones. For example, some jurisdictions provide reduced capital gains tax rates for long-term holdings, encouraging investors to retain assets. Understanding these tax treatments helps investors optimise their portfolios and maximise post-tax returns based on their financial goals.

When a borrower doesn’t make payments on their mortgage, the account goes into delinquency. Let’s say an investor bought a 30-year Treasury bond in 1996 with a maturity date of May 26, 2016. One of the most notable examples is the issuance of 30-year Treasury bonds in developed countries like the United States and the United Kingdom. These bonds allow governments to secure funding for large-scale projects while providing investors with steady interest payments.

In emerging markets, shorter maturity dates are often preferred due to higher political and economic uncertainties. These markets typically offer higher yields to compensate for increased risks. The maturity date marks the repayment of the principal amount, while the coupon What Is Cryptocurrency date refers to periodic interest payments made during the bond term. For example, a bond may have semi-annual coupon dates but a single maturity date. Callable bonds allow issuers to redeem the bond before its maturity date, often when interest rates drop. While this benefits the issuer by reducing borrowing costs, it may disadvantage bondholders, who might have to reinvest at lower rates.

The maturity date can be calculated by adding the term with the issue date and then adjusting for the frequency of payments of interest. For example, homebuyers who are saving money for the down payment on a home that they intend to purchase within a year would be ill-advised to invest in a five-year term deposit. A better alternative in this scenario would be to consider a money market fund or a one-year term deposit. The maturity of an investment is a primary consideration for investors since it has to match their investment horizon. Andy Smith is a Certified Financial Planner (CFP®), licensed realtor and educator with over 35 years of diverse financial management experience.

• Let’s say that you have a $10,000 bond for a term of five years, with a 5% interest rate compounded monthly.
• Fixed-rate and variable-rate mortgages have maturity dates, but the total amount payable can vary due to fluctuating interest rates.
• It also refers to the amount of time you have by which a loan you have taken out must be fully paid back.
• Generally, institutions set up maturity dates at the time of loan sanctioning or investment made.

Typically, investors can find the final maturity date in the Authorization, Authentication, and Delivery section of the bond documents. Although investing and borrowing may be different, there are some commonalities between these two ventures. One of these is what’s called a maturity date, which is the date at which the relationship between the investor and issuer, or the borrower and creditor, ends. As an example of a maturity date, Big Tech Company issues a 7% bond with a 30-year maturity on January 15, 2024. The bond also contains a call feature that allows Big Tech to call the bonds after five years, at which point the maturity date can be accelerated. The maturity date on a foreign exchange forward or swap is the date on which the final exchange of currencies takes place.

Promissory notes

• For example, bonds issued by corporations may require periodic disclosures about their ability to meet maturity obligations.
• Investors can balance risks and returns by selecting instruments with varying maturities while ensuring liquidity at different intervals.
• Maturity dates on promissory notes can range from a few months to several years.
• A maturity date may change for several reasons, such as when you default, pay off the loan early, or opt for early withdrawal for an investment.
• This approach spreads out the risk and ensures consistent cash flow, as some investments mature regularly.

If a company goes bankrupt and defaults on its bonds, bondholders have a claim on that company’s assets. But the type of bond (secured or unsecured) determines the priority of a bondholder’s claim. The maturity on an interest rate swap is the settlement date of the final set of cash flows. The maturity date also influences the yield-to-maturity (YTM) calculation, helping investors assess potential returns.

What Is a Maturity Date in Finance?

Interest is sometimes paid periodically during the lifetime of the deposit, or at maturity. Many interbank deposits are overnight, including most euro deposits, and a maturity of more than 12 months is rare. In contrast, the expiry date applies to contracts like options or futures, determining when they can no longer be exercised or traded. Long-term instruments like 30-year government bonds are more common in developed markets due to economic stability. Investors often use these instruments for retirement planning or as part of a diversified portfolio.

Tax Incentives for Specific Maturities

Depending on whether your debt instrument uses simple or compound interest, you can calculate maturity value differently. Investors with a conservative approach often choose short-term maturities, minimising exposure to market volatility. On the other hand, those with a higher risk tolerance might prefer long-term maturities, as they offer the potential for better returns despite increased market sensitivity. In 2020, several corporations restructured their debt due to economic pressures caused by the pandemic. Many opted to extend the maturity dates of their bonds to manage cash flow effectively and avoid defaults.

The maturity date is often the last payment date for loans and financial instruments. It signifies when the borrower must repay the principal and any remaining interest. For investments, it ends interest payments and returns the initial amount. Issuers are subject to regulations that govern the structuring of their financial instruments, including maturity dates. These rules ensure transparency, protect investors, and maintain market stability.

Developed Markets

These instruments often include flexible maturity dates or provisions for extension, providing issuers and investors with greater adaptability. Reinvestment risk arises when investors face difficulties finding investments offering similar returns upon the maturity of their current instruments. The maturity date of a financial instrument marks the date when the principal amount is due. For borrowers, it’s important to know the maturity date to understand when they’ll make the last payment to a financial institution and be debt-free. A maturity date may change for several reasons, such as when you default, pay off the loan early, or opt for early withdrawal for an investment.

On the other hand, government-issued savings bonds may have maturity dates years after they’re issued. First, one should know the term, issue date, and frequency of payment of the instrument. Frequency means how often interest is paid, which can be either monthly, quarterly, semi-annually, or annually. The maturity of a deposit is the date on which the principal is returned to the investor.

For businesses, knowing the maturity dates of loans and investments helps them manage cash flow effectively. It ensures that sufficient funds are available for repayments and reinvestment opportunities. The sensitivity of financial instruments to interest rate changes varies with their maturity. Long-term bonds, for example, are more affected by interest rate fluctuations than short-term bonds, impacting their market value. When you borrow money via a loan, the maturity date establishes its end date. The maturity date functions similarly for all debt instruments as it indicates the date when you need to repay the principal amount and when the debt terminates.

For investors, knowing when their funds will be returned helps in aligning investments with economic goals. For example, a person planning for their child’s education can select investments maturing just before tuition payments are due. Investors often choose long-term maturity with a long investment horizon or those planning for specific goals like retirement. However, they are more sensitive to interest rate fluctuations and market volatility, which can impact their value over time. For example, newly issued government-issued bonds usually have a 5 to 30-year maturity date, while corporate bond issuers typically offer a maturity date of no more than 10 years. For investors, a maturity date indicates the period of time during which they’ll receive interest payments.

Once the bond reaches maturity, the bond owner will receive the face value (also referred to as “par value”) of the bond from the issuer and interest payments will cease. In emerging economies like India and Brazil, short-term instruments with less than five years of maturities dominate due to higher market volatility. These instruments enable issuers to raise funds quickly while allowing investors to manage risks effectively.

Conversely, falling interest rates may make long-term instruments attractive, as they secure higher yields. Monitoring interest trends helps investors choose maturities aligned with market conditions. A maturity date is a fundamental concept in finance, referring to the date when the principal amount of a financial instrument becomes due.

By this time, the borrower must have settled all outstanding principal and interest amounts. Fixed-rate and variable-rate mortgages have maturity dates, but the total amount payable can vary due to fluctuating interest rates. In fixed deposits, the maturity date signifies the end of the deposit tenure.