二零二三美國考loan agent執照。第五集《從零開始》美國貸款執照考試準備視頻 -Nontraditional/Nonconforming Loans 非傳統/不符合兩房核貸標準貸款2023。 скачать в хорошем качестве

二零二三美國考loan agent執照。第五集《從零開始》美國貸款執照考試準備視頻 -Nontraditional/Nonconforming Loans 非傳統/不符合兩房核貸標準貸款2023。

#考MLO執照#美國貸款執照考試#英文不好如何通過貸款考試 二零二三考loan agent執照。第五集《從零開始》美國貸款執照考試準備視頻 -Nontraditional/Nonconforming Loans 非傳統/不符合兩房核貸標準貸款。英文不好如何通過貸款考試？2023 建友的微信號是attkennytan。歡迎加我們微信。 0:00:00 - 介绍 0:00:29 - Nontraditional/Nonconforming Loans 非傳統/不符合兩房核貸標準貸款 0:01:07 - A - Minus Loan 0:01:24 - Alt-A Loan / Alternative documentation loan 0:01:49 - Adjustable Rate Mortgages / ARMs 0:02:03 - Components of ARMs 0:02:35 - Index指數 0:03:06 - Margin 利潤 0:03:17 - Rate Adjustment Period利率調整期 0:03:34 - Interest Rate Cap/floor if any利率上下限 0:03:54 - Teaser Rate 0:04:19 - Hybrid ARM 混合浮動利率房貸 0:04:56 - -Conversion Option轉化選擇權 0:05:16 - ARM Disclosure 浮動利率房貸表白 0:05:59 - Loan To Value Ratio LTV 0:06:10 - ARM APR 0:06:28 - ARM Standardization 浮動利率貸款標準化 0:10:52 - FHA - Property Guidelines 物業準則 0:12:03 - Minimum Required Investment 0:12:36 - Gift 贈與 0:12:51 - VA loan軍人貸款 0:13:52 - Eligibility 0:14:09 - Borrower Qualifying Standards 借方合格標準 0:16:09 - VA - Property Guidelines 物業準則 0:16:59 - Establishing Reasonable Value 0:17:44 - Occupancy 0:17:58 - Variable Funding Fee 0:18:55 - Seller concession 賣方讓步 ------------------------------------------------ Keywords: Nontraditional/Nonconforming Loans 非傳統/不符合兩房核貸標準貸款 (1) 1.A-Minus Loan 減號貸款 2.Alt-A Loan 替代文件貸款 3.Adjustable Rate Mortgages 浮動利率房貸 4.Construction Loan 建築貸款 5.Subprime Loan 次級貸款 6.Home Equity Loan 房屋淨值貸款 7.Reverse Mortgage 反向抵押貸款 8.Seller Financing 賣方融資 9.Land Contracts 分期付款合同 A-Minus Loan - less than perfect credit, limited money for down payment, higher DTI Alt-A Loan -Alternative documentation loan -less documentation with good credit, e.g. verbal verification of employment 口頭驗証工作 Adjustable Rate Mortgages ARMs -lower start rate 低開始利率 - Components of ARMs 浮動利率貸款成份 -Index 指數 -Margin 利潤 -Rate Adjustment Period 利率調整期 -Interest Rate Cap/floor if any 利率上下限 -Conversion Option if any 轉化選擇權 Index = Cost of Money 金錢成本 -Treasury Bill 短期國庫卷 -Constant Maturity Treasury CMT -London Interbank Offered Rate LIBOR Margin -另稱為Spread -Remains constant 固定不變 Interest Rate = index plus margin Also known as fully indexed rate Rate Adjustment Period -Length of time between interest rate changes Teaser Rate – when start rate fully indexed rate. -Discounted interest rate 折扣利率 Interest Rate Cap 利率上限 -Limits number of percentage point an interest rate can be increased. Hybrid ARM – 混合浮動利率房貸 -ARM with an initial fixed rate period 1 year 浮動利率貸款固定利率期一年以上 -E.g. 3/1, 5/1, 7/1, 10/1 Conversion Option 轉化選擇 -Gives the borrower the right to convert to fixed rate 借款人可以把利率改成固定 ARM Disclosure 浮動利率房貸表白 -Consumer Handbook on Adjustable Rate Mortgage CHARM -APR -Terms of loan on note, i.e. index, rate, payment etc. APR -Must use composite APR 綜合APR ARM Standardization 浮動利率貸款標準化 -Lenders follow secondary market guidelines so the loan be sold to Fannie Mae and Freddie Mac. Loan To Value Ratio LTV Higher LTV may be allowed but stricter underwriting standards apply.