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@_@ · 2020年10月07日

问一道题:NO.PZ2018062020000027 [ CFA I ]

问题如下:

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

选项:

A.

bullet mortgage.

B.

fully amortizingmortgage.

C.

partially amortizingmortgage.

解释:

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

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

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

老师,讲义上说在部分摊销贷款中,最后一笔支付的是balloon payment,为什么不能选c

1 个答案

WallE_品职答疑助手 · 2020年10月07日

同学您好,

就您画先的第一句话就于题干不符。

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NO.PZ2018062020000027 问题如下 A balloon paymentequto a mortgage’s originloamount is a characteristic of A.bullet mortgage. B.fully amortizingmortgage. C.partially amortizingmortgage. A is correct.A bullet mortgage is a specitype of interest-only mortgage in whithere are no scheleprincipalrepayments over the entire life of the loan. maturity, a balloon paymentis requireequto the originloamount.B isincorrebecause with a fully amortizing mortgage, the sum of all the scheleprinciprepayments ring themortgage’s life is suthwhen the last mortgage payment is ma, thelois fully repai with no balloon payment requireC isincorrebecause with a partially amortizing mortgage, the sum of all the scheleprinciprepayments is less thanthe amount borrowe resulting in a balloon payment equto the unpaiortgage balan(rather ththe originloamount).考点bullet mortgage解析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。所以,A是正确的。bullet mortgage是一种特殊类型的抵押贷款,在贷款的整个生命周期中没有预定的本金偿还。到期时,最后一期需要偿还的本金和一开始借款金额相等。 只有 amortization

2022-10-12 21:29 1 · 回答

NO.PZ2018062020000027 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么?AC不都是提前约定好的么?

2021-03-06 14:11 1 · 回答

fully amortizingmortgage. partially amortizingmortgage. A is correct.A bullet mortgage is a specitype of interest-only mortgage in whithere are no scheleprincipalrepayments over the entire life of the loan. maturity, a balloon paymentis requireequto the originloamount. B isincorrebecause with a fully amortizing mortgage, the sum of all the scheleprinciprepayments ring themortgage’s life is suthwhen the last mortgage payment is ma, thelois fully repai with no balloon payment require C isincorrebecause with a partially amortizing mortgage, the sum of all the scheleprinciprepayments is less thanthe amount borrowe resulting in a balloon payment equto the unpaiortgage balan(rather ththe originloamount). “a bullet mortgage is a specitype of interest-only mortgage” 请问这句话在讲义中什么地方?这是原版书中的题,讲义中没有的话会不会视频课漏掉知识点?

2020-11-20 23:07 1 · 回答

讲义210页,部分偿还贷款,最后yeyouballoom payment,为什么C不对?

2020-09-07 00:29 1 · 回答