题目
Which of the following characteristics of a residential mortgage loan would best protect the lender from a strategic default by the borrower?
选项
A.Recourse
B.A prepayment option
C.Interest-only payments
答案
A
解析
： A is correct. In a recourse loan, the lender has a claim against the borrower for the shortfall between the amount of the mortgage balance outstanding and the proceeds received from the sale of the property. A prepayment option is a benefit to the borrower and would thus not offer protection to the lender. An interest-only mortgage requires no principal repayment for a number of years and will not protect the lender from strategic default by the borrower. ： A是正确的。在追索权贷款中，贷款人有权就未偿按揭余额与出售物业所得收益之间的差额向借款人提出申索。提前还款选择权对借款人有利，因此不会对贷款人提供保护。仅利息抵押贷款在若干年内无需偿还本金，且不会保护贷款人免受借款人的战略性违约。