题目
A balloon payment equal to a mortgage’s original loan amount is a characteristic of a:
选项
A.bullet mortgage.
B.fully amortizing mortgage.
C.partially amortizing mortgage.
答案
A
解析
： A is correct. A bullet mortgage is a special type of interest-only mortgage in which there are no scheduled principal repayments over the entire life of the loan. At maturity, a balloon payment is required equal to the original loan amount. B is incorrect because with a fully amortizing mortgage, the sum of all the scheduled principal repayments during the mortgage’s life is such that when the last mortgage payment is made, the loan is fully repaid, with no balloon payment required. C is incorrect because with a partially amortizing mortgage, the sum of all the scheduled principal repayments is less than the amount borrowed, resulting in a balloon payment equal to the unpaid mortgage balance (rather than the original loan amount). ： 题目问的是一笔相当于抵押贷款原始贷款金额的大额付款是一种？ A是正确的。子弹抵押贷款是一种特殊类型的利息抵押贷款，在整个贷款期限内没有计划的本金偿还。到期时，需要一笔相当于原始贷款金额的大额付款。 B是不正确的，因为对于完全分期偿还的抵押贷款，在抵押贷款的生命周期内，所有计划的本金偿还的总和是一样的，当最后一笔抵押贷款付款时，贷款是完全偿还的，不需要气球付款。 C是不正确的，因为对于部分分期偿还抵押贷款，所有计划还本金额的总和小于借款金额，导致一个气球付款等于未付抵押贷款余额（而不是原始贷款金额）。