浮动利率抵押贷款计划披露

你的利率和付款是如何确定的:

Your adjustable interest rate following the initial fixed rate term will be based on an index plus a margin. 该指数是美国国债的周平均收益率.S. 调整为固定期限为一年的国库券. 《2021十大正规网赌网址》每周都会发布有关该指数的信息. The margin to be added to the index is provided in Table A - listed in the next section "How Your Interest Rate and Payment Can Change."

Your adjustable interest rate will equal the index plus our margin rounded to the nearest 1/8 percent, unless your interest rate "cap" limits the amount of change in the adjustable interest rate.

Your payment will be based on the interest rate, loan balance, the remaining loan term.

你的利率如何变化:

Your initial interest rate will remain fixed for the first 3, 5, 7 or 10 years. The initial interest rate will change to an adjustable interest rate on the first day following the end of the fixed term. 例如, on a 3/1的手臂 the rate will change to an adjustable interest rate on the first day of the 37th month and on a 5/1的手臂 the rate will change on the first day of the 61st month. The interest rate may continue to change on that day every 12th month thereafter.

The interest rate and payment change will be subject to the following limits:

后期负责:

If your payment arrives later than 15 days after it is due you will be charged 5.每月付款的00%.

承担贷款:

Someone buying your home may not be allowed to assume the remainder of the mortgage on the original terms.

发售日期:

If all or any part of the property securing the ARM or any interest in it is sold or transferred (or if beneficial interest of the Borrower is sold or transferred and the Borrower is not a natural person) without the Lender's prior written consent, 贷款人可以, 由其选择, 要求立即全额偿还贷款.

第三方支付:

Your total monthly payment may also include an escrow payment with your monthly payment of principal and interest. These escrow payments will be put into an escrow account so that we can pay large semi- annual or annual expenses associated with your property when they are due. 这些费用包括每年的财产税, 评估, 地租、年按揭和灾害保险费, 如适用于你的财产.

The escrow payment is calculated as the estimated annual total of the Escrow Expenses 除以每年到期的支付次数.

如果你不能在到期时支付代管款项, the Lender will have the right to deduct it from your monthly payment and require you make up the difference. The Lender may also reject any monthly payment which is less that the amount of principal, 利息和每月到期的代管付款, exercise the rights provided in the contract regarding default for late or delinquent payments.

一年一次, your escrow account will be analyzed to assure that the proper amount of funds is being collected monthly. 此时此刻, a new escrow payment will be calculated as the estimated annual total of your current Escrow Expenses less your current escrow balance, 除以每年到期的支付次数.

当全部按揭余额已偿还给贷款人时, any amounts left in the escrow account after the necessary Escrow Expenses have been paid will be returned to the borrower. If insufficient funds are available in the escrow account to pay necessary Escrow Expenses, the additional expense amount shall be immediately due and payable by the borrower.

其他资料及资源:

For additional information and resources pertaining to Adjustable Rate Mortgage loans, review the 了解可调利率按揭 手册.
 

2016年2月8日更新