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广超 · 2020年10月14日

问一道题:NO.PZ2016031002000036 [ CFA I ]

问题如下:

Residential mortgages that may be included in agency RMBS are most likely required to have:

选项:

A.

a maximum loan-to-value ratio. Loans below this maximum level could be included in the asset pool.

B.

partial payment on the mortgaged property.

C.

a maximum percentage down payment.

解释:

A is correct.

Conforming loans that may be securitized in agency RMBS have a maximum loan-to-value ratio, minimum percentage down payments and insurance on the mortgaged property.

老师BC选项是什么意思?讲义哪里涉及了么?
1 个答案
已采纳答案

WallE_品职答疑助手 · 2020年10月14日

要进入Agency MBS的资产池,这个房贷必须要满足一定的条件;满足条件可进入。

所以设定的门槛有:Maximum Loan-to-Value Ratio,低于这个Ratio的符合进Agency MBS资产池的一个条件;

对于Down payment的门槛,有一个最低的Down Payment Percentage要求,高于这个要求符合Agency MBS的一个条件。

而B选项,对抵押财产的部分偿付并未提及。