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苏·Xu · 2020年11月20日

＇问一道题：NO.PZ2018062020000027 [ CFA I ]

  1. CFA I
  2. Fixed Income

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).

“a bullet mortgage is a special type 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？
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1 个答案

WallE_品职答疑助手 · 2020年11月21日

同学您好，

基础班讲义P34页中，balloon payment属于bullet bond，到期有一大笔本金的归还。其本金在到期归还，不在期间摊销。

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