开始时,可调整利率抵押贷款一般会在条款中规定低于市场水平的引逗利率 (teaser rate),这也是广大美国住房抵押贷款借款人对此类产品非常追捧的原因 之一,目前可调整利率抵押贷款占据了市场50%以上的份额。
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低收入人群贷款时会享受到刚开始利率巨低的可调利率,但是随着时间的推移利率会慢慢增长“,这就是所谓的“引逗利率。
Low-income people were being given adjustable rate mortgages with very low starter rates, called "teaser rates," " that would be raised in the future.
Low-income people were being given adjustable rate mortgages with very low starter rates, called "teaser rates," " that would be raised in the future.
低收入人群贷款时会享受到刚开始利率巨低的可调利率,但是随着时间的推移利率会慢慢增长“,这就是所谓的“引逗利率。
in such a way that after the rates were raised, they likely couldn't afford to pay the mortgage anymore or they'd be under great stress in trying to do so.
这种“引逗利率,以至于到后来他们没有能力偿还贷款,或者为了还贷给生活造成巨大压力。
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