Video: Dab tsi yog 15 xyoo balloon mortgage?
2024 Tus sau: Stanley Ellington | [email protected]. Kawg hloov kho: 2023-12-16 00:17
A 30/ 15 balloon qiv qiv yog a 15 - xyoo qiv. Lub "30" sawv cev rau lub sij hawm amortization, uas yog xam rau 30 xyoo , thiab " 15 " stands for the length of the loan. A 30/ 15 qiv tsuas yog 15 xyoo , tab sis cov nyiaj them yog raws li 30 xyoo qiv.
Yog li ntawd, puas yog balloon them nqi tsev yog ib lub tswv yim zoo?
Hauv kev xav, a balloon qiv suab zoo li ib tswv yim zoo rau cov neeg yuav khoom hauv tsev hauv qee qhov xwm txheej, tab sis nco ntsoov koj xav txog qhov kev pheej hmoo rov qab los cuam tshuam nrog cov nyiaj qiv. Yog thawj lub sij hawm ntawm koj balloon qiv khiav tawm, thiab koj lub tsev muaj nqi tsawg dua koj tshuav, tsis muaj qiv yuav rov qab them koj li nqi tsev.
Kuj Paub, yog dab tsi yog qhov kev qiv nyiaj zais pa? A zais pa kev them nyiaj nqi tsev yog a nqi tsev uas tsis tag nrho amortize nyob rau lub sij hawm ntawm daim ntawv, yog li tawm hauv qhov nyiaj tshuav ntawm kev loj hlob. Qhov nyiaj them kawg yog hu ua a zais pa kev them nyiaj vim nws loj loj. Balloon kev them nyiaj tsev txhab nyiaj muaj ntau dua nyob rau hauv kev lag luam vaj tse ntau dua li cov vaj tsev nyob.
Tom qab ntawd, ib tug kuj yuav nug, dab tsi yog qhov piv txwv ntawm kev them nyiaj balloon?
Txhais: Balloon them nyiaj yog cov nyiaj tag nrho kev them nyiaj uas yog txuas rau a qiv , qiv nyiaj, lossis kev lag luam qiv . Yog a qiv muaj a kev them nqi zais pa tom qab ntawd tus neeg qiv nyiaj yuav tuaj yeem txuag tau tus nqi paj ntawm cov paj laum txhua lub hlis. Rau piv txwv , tus neeg ABC siv a qiv rau 10 xyoo.
Dab tsi yog 7 xyoo balloon qiv nyiaj?
A balloon qiv feem ntau yog luv luv, nrog lub sij hawm ntawm 5 xyoo rau 7 xyoo , tab sis kev them nyiaj yog raws li lub sijhawm ntawm 30 xyoo . Lawv feem ntau muaj tus nqi qis dua, thiab nws tuaj yeem yooj yim dua kom tsim nyog tshaj li ib txwm 30- xyoo - kho nqi tsev.
Pom zoo:
Lub npe dab tsi tau muab rau Wall Street kev sib tsoo ntawm 29th Lub Kaum Hli 1929 tseem hu ua kev lag luam poob ntawm xyoo 1929 uas ua rau muaj Kev Nyuaj Siab Loj nyob rau xyoo 1930 Kev Nyuaj Siab Loj yog lub ntiaj teb loj heev
Kev Nyuaj Siab Loj tau pib hauv Tebchaws Meskas tom qab muaj kev poob loj hauv cov nqi khoom lag luam uas pib thaum lub Cuaj Hlis 4, 1929, thiab tau dhau los ua xov xwm thoob ntiaj teb nrog kev lag luam lag luam poob ntawm Lub Kaum Hli 29, 1929, (lub npe hu ua Dub Tuesday). Nyob nruab nrab ntawm 1929 thiab 1932, thoob ntiaj teb cov khoom lag luam thoob ntiaj teb (GDP) poob los ntawm kwv yees li 15%
Lub tsev balloon frame yog dab tsi?
Balloon framing yog ib hom ntoo-tsev lub tsev uas siv ntev, ntsug 2 'x 4's rau sab nrauv phab ntsa. Cov 'studs' ntev ntev no tsis cuam tshuam, los ntawm lub sill saum lub hauv paus, mus txog rau lub ru tsev. Qee tus kuj tau xav tias hom framing no tsuas yog siv tau rau hauv cov khoom siv hluav taws xob, lub thawv zoo li lub tsev
Yuav ua li cas koj xam xyoo dhau xyoo trend?
Yuav ua li cas xam lub Xyoo-Tshaj-Xyoo Loj hlob Rate Tshem tawm xyoo tas los tus lej ntawm xyoo no tus lej. Qhov ntawd ua rau koj tag nrho qhov sib txawv rau lub xyoo. Tom qab ntawd, faib qhov sib txawv los ntawm tus lej xyoo dhau los. Qhov ntawd yog 5 paintings muab faib los ntawm 110 paintings. Tam sim no tsuas yog muab tso rau hauv feem pua
Qhov qiv nyiaj balloon yog dab tsi?
Kev qiv nyiaj balloon yog hom qiv nyiaj uas tsis them tag nrho nws lub sijhawm. Txij li nws tsis yog tag nrho amortized, yuav tsum tau them nyiaj balloon thaum kawg ntawm lub sij hawm kom them rov qab cov nyiaj tshuav ntawm cov nyiaj qiv
Kuv puas yuav tsum hloov kuv cov nyiaj qiv 30 xyoo mus rau 15 xyoo?
Kev them nyiaj rov qab rau 30-xyoo qiv nyiaj qiv tsev mus rau 15-xyoo qiv tuaj yeem pab cov tswv tsev muaj lawv lub tsev sai dua, tab sis nws kuj tuaj yeem ua rau muaj txiaj ntsig zoo uas lawv yuav txaus siab ntau npaum li: txuag nyiaj ntau txhiab daus las. Yog tias koj muaj peev xwm them taus cov nyiaj qiv nyiaj ntxiv txhua hli, hloov mus rau 15-xyoo qiv yuav yog qhov kev xaiv zoo