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When home buyers expect their income to increase,______are ideal options for the
When home buyers expect their income to increase,______are ideal options for the
游客
2025-06-20
18
管理
问题
When home buyers expect their income to increase,______are ideal options for them.
选项
A、SAMs
B、ARMs
C、RAMs
D、GPMs
答案
D
解析
答案为D项。shared—appreciation mortgage,SAM“分享增值抵押贷款”。借款人可支付较低的利率,并以和贷款人分享住宅的增值为代价,以保证贷款人的实际收益。Reverse annuity mortgage,RAM“逆向年金抵押贷款”,指贷款者向年老的住房所有者提供住房作为抵押的现金贷款,按月支付,期限不固定,至户主去世为止。作为一种贷款,这笔收入是免税的。住房抵押后,住房所有者仍住自己的住房,进行正常的维修,直至去世后,由房地产绎营公司卖掉房子偿还贷款。graduated—payment mortgage,GPM“累进偿还抵押贷款”。这类贷款可以采用调节利率,也可以采用固定利率,但偿还是累进计算的。借款者最仞几年偿还额少,有的甚至不足于偿付当月利息,以后逐月逐年提高还款额。当借款人预期朱来收入逐年增加时,选择累进偿还抵押贷款可以减轻开始的还款压力,随着收入的增加,还款额再逐渐加码。故本题选D项。
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