从还本付息安排看,ARM主要包括只付息(Interest Only)、负分期付款(Negative Amortization)和可选择(Option)三类;从贷款期限看,混合ARM(Hybrid ARM)是ARM的一种,主要包括2/28、3/27和5/25,其中次贷ARM中的2/2...
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负分期付款贷款甚至让人们只付每个月的一部分利息,然后把其它的加到本金里。这是增加他们的债务,而不是储蓄。
Negative amortisation mortgages even let people pay only part of their interest each month and to add the rest to the principal, increasing their debt, not their savings.
“负分期付款”抵押借款甚至可允许人们每月仅付部分利息,并将剩余部分加到贷款本金中,增加的是其贷款额,并不是存款额。
"Negative amortisation" (neg-am) mortgages even let people pay only part of their interest each month and to add the rest to the principal, increasing their debt, not their savings.
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