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临江仙 · 2020年05月10日

问一道题:NO.PZ2019052801000106

问题如下:

Which of the following factors is least likely to influence the level of residential mortgage prepayments?

选项:

A.

Seasonality.

B.

Inflation.

C.

Housing prices.

D.

Age of mortgage pool.

解释:

B is correct.

Seasonality does impact the level of prepaymentsthey are noticeably higher in the summertime. Increases in housing prices may spur an increase in prepayments caused by refinancing mortgages stemming from borrowers wanting to take out some of the increased equity for personal use. The lower the age of the mortgage pool, the less likely the risk of prepayment.

housing price这是什么机制?

在中国也是房价上涨,导致提前还款增多么?

1 个答案
已采纳答案

小刘_品职助教 · 2020年05月11日

同学你好,

如果房价上涨,之前贷款的人需要把之前房子的贷款提前还了来贷款买新房子。  书上是把这个归入到refinancing 需求中的。

在中国有一部分是这样的,身边应该有不少人在换新房子的时候需要把之前房子的贷款还掉来贷新的贷款,不然不一定能贷那么多款,二是没还清贷款的房子也不好出售。