将近23%的美国人的抵押贷款余额高于手头住房的价值。
Nearly 23% of Americans with mortgages owe more than the value of their homes.
在每个时间点的抵押贷款余额,都等于每月偿还额乘以,方括号内的值,T是剩余年份数。
At every point of time your mortgage balance is equal to your mortgage payment times that square bracketed thing, where t is the amount of time you have left.
根据这个公式抵押贷款余额,每个月都要重新计算,理解这一点非常重要,他们会给你寄对账单,告诉你抵押贷款余额减少的情况。
It's very important to understand that the mortgage balance is recomputed, according to this formula every month and they will send you a statement showing how your mortgage balance is falling.
What this equation merely says is that the present value of your remaining payments is always equal to the mortgage balance.
这个等式说明了,剩余偿还额的现值,就等于抵押贷款的余额
A peculiar property of this is that the mortgage balance falls slowly at first and then it gradually picks up; it's just a property of this formula.
其中一个特别的性质是,刚开始抵押贷款余额降得很慢,渐渐的,越降越快,这就是这个公式的性质
It's very important to understand that the mortgage balance is recomputed, according to this formula every month and they will send you a statement showing how your mortgage balance is falling.
根据这个公式 抵押贷款余额,每个月都要重新计算,理解这一点非常重要,他们会给你寄对账单,告诉你抵押贷款余额减少的情况
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