NO.PZ2023101601000138
问题如下：
A mortgage analyst is reviewing a refinancing event. A
New York City apartment building was originally purchased for USD 5,000,000 and
financed with an interest-only hybrid adjustable rate mortgage (With a
loan-to-value ratio, or LTV- of 80%) al an initial annual fixed rate of 2.75%.
Before the interest-only period elapses, the building's appraised value drops
to USD 4,000,000. The owner decides to refinance the existing mortgage with a
15-year fixed mortgage at an annual rate of 4.5% (LTV 80%) and uses cash to pay
off the remainder of the original mortgage's principal balance. Assuming
standard payments, which of the following is the best estimate of the immediate
change in monthly payments as a result of the refinancing?
选项：
A.
USD 15,000
B.
USD 20,000
C.
USD
25,000
D.
USD
30,000
解释：
请问再融资的题目怎么算啊
