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分享 我读REAL ESTATE FINANCE AND INVESTMENTS 第五章 可调整利率和可变付款抵押贷款
cyh 2013-1-25 11:37
Adjustable and Floating Rate Mortgage Loans  可调整利率和可变付款抵押贷款 In this chapter, we will show how mortgage loan terms can be modified to incorporate variable interest rates. Loans with adjustable interest rates become necessary from time to time, depending on the rate of economic expansion and expected rates of inflation. In many situations, when the expected rate of inflation accelerates and becomes more uncertain, questions arise as to whether borrowers or lenders will bear the risk of future interest rate changes. During these times, fixed interest rate lending becomes very costly to borrowers because fixed interest rates and mortgage payments increase at a greater rate than borrower incomes. This imbalance between loan payments and borrower incomes motivates both borrowers and lenders to seek ways to modify loan agreements so that real estate purchases can be financed at loan payment levels that are commensurate with current borrower incomes. Adjustable rate mortgage (ARM) loans provide one solution to the imbalance problem. Through a variety of options, including the benchmark index chosen for ARM interest rates, the volatility of the index, frequency of payment adjustment, annual and over-the-loan-life interest rate caps, and negative amortization and other features, lenders and borrowers can negotiate loans and payment structures that result in interest rate risksharing agreements that are satisfactory to all parties.
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分享 哪裏有氣槍鉛彈模具賣13711189737汽槍鉛彈模具貨到付款
zzz1230z 2012-12-1 00:01
那裏有4.5mm5.5mm鉛彈出售13711189737Q2207575558-4.5mm鉛彈,汽槍鉛彈,氣槍鉛彈,鉛彈鳥槍,鉛彈槍,5.5鉛彈模具,鉛彈汽槍,鉛彈鉗,鉛彈母雞,鉛彈制作,鉛彈手狗,鉛彈氣狗,哪裏有賣鉛彈.4.5/5.5汽槍氣槍氣狗汽狗鉛彈模具貨到付款不收定金!
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