NO.PZ2024042601000132
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：
如题
