美国的变利率房贷(1)【沪江慢速VOA 9-16】

作者：Vitamin_C | 时间：1年前 | 阅读：1960次 | [划词　　　]
可变利率房贷对众多的业主是否有利呢？

【生词摘录】
mortgage 抵押
ARM- Adjustable Rate Mortgage 可调利率抵押贷款
broker n. 经纪人 v. 作为中间人来安排
take out 申请取得　办理（保险）
subprime loan 次级房贷
Federal Reserve （美国）联邦储备系统
The Federal Reserve Board 联邦储备委员会
target rate 目标收益率
securities 股票，有价证券

    Adjustable-Rate Home Loans Could Hurt Many American Homeowners(1/2)

    In the last few years, many Americans have bought houses with ARMs: adjustable-rate mortgages. These loans usually begin with lower interest rates for the first two or three years than fixed-rate mortgages. Then the rate changes as major interest rates rise or fall.

    Holders could be surprised by their new, larger monthly payments as their loans reset to a higher rate. Some people may not even know they have adjustable-rate mortgages. Some lenders and brokers who found loans for people are accused of misleading borrowers. Yet borrowers often did not even have to show proof of earnings.

    Now, many people who took out adjustable-rate mortgages may not be able to make their payments. And not only holders of risky subprime loans; even buyers with better credit histories could lose their homes.

    Next week, the Federal Reserve in Washington is expected to cut its target rate for short-term loans between banks. But long-term rates are the ones that affect things like housing loans, and these have been rising. Investors have been demanding higher returns in exchange for the risk of keeping money in longer-term securities.

     

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    （责编：Vitamin_C）
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