"If we are able to work something out with the borrower, were they get to keep their house, and my client gets to have payments according to the mortgage, that's a win for everybody."
VOA: standard.2010.02.17
A good example of an annuity is a mortgage on a house.
关于年金的一个很好的例子就是房屋抵押
If you buy a house and you don't pay the mortgage, the contract says you lose the house-- you're out--you've got to pay or it goes back to the mortgage originator.
如果你抵押贷款买房,却没有还房贷,贷款合同规定,你将被取消赎回权,失去房子,所以你必须偿还贷款,否则你的原始贷款人就会收回房子
The other is I take a mortgage, I buy a house, I pay it off, I go into a heavy indebtedness but with a good rational reason and it all works out in the end.
另一种情况是,我分期贷款买了一套房子,我还清了贷款,却债台高筑,这样,于情于理都能说通,而且,最终无事一身轻。
You pay every year a fixed amount on your house to the mortgage originator and then after so many-- n is 30 years, typically--you would then have paid it off.
你每年都在你的房子上支付一定数目的偿款,给抵押商然后,数年后,设n是30年,一般来说你已经能偿清贷款了
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