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三言午寺 · 2021年03月06日

不是很明白题目意思，是说balloon payment和一开始约定好每期要还的是一样的是哪个选项么？AC选项不都是提前约定好的么？

  1. CFA I
  2. Fixed Income

NO.PZ2018062020000027

问题如下：

A balloon payment equal to a mortgage’s original loan amount is a characteristic of a:

选项：

A.

bullet mortgage.

B.

fully amortizing mortgage.

C.

partially amortizing mortgage.

解释：

A is correct. A bullet mortgage is a special type of interest-only mortgage in which there are no scheduled principal repayments over the entire life of the loan. At maturity, a balloon payment is required equal to the original loan amount.

B is incorrect because with a fully amortizing mortgage, the sum of all the scheduled principal repayments during the mortgage’s life is such that when the last mortgage payment is made, the loan is fully repaid, with no balloon payment required.

C is incorrect because with a partially amortizing mortgage, the sum of all the scheduled principal repayments is less than the amount borrowed, resulting in a balloon payment equal to the unpaid mortgage balance (rather than the original loan amount).

不是很明白题目意思，是说balloon payment和一开始约定好每期要还的是一样的是哪个选项么？AC选项不都是提前约定好的么？

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1 个答案

吴昊_品职助教 · 2021年03月06日

嗨，从没放弃的小努力你好：


同学你好：

题目说期末余下最后一期需要偿还的本金和一开始借款金额相等的是哪一个。

不选C，因为C选项有一部分本金提前偿还了，最后一笔偿还的本金等于还没有支付的本金，不等于一开始的借款金额。即equal to the unpaid mortgage balance (rather than the original loan amount)。

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2022-10-12 21:29 1 · 回答

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