题目
William Marolf obtains a 5 million EUR mortgage loan from Bank Nederlandse. A year later the principal on the loan is 4 million EUR and Marolf defaults on the loan. Bank Nederlandse forecloses, sells the property for 2.5 million EUR, and is entitled to collect the 1.5 million EUR shortfall, from Marolf. Marolf most likely had a:
选项
A.bullet loan.
B.recourse loan.
C.non-recourse loan.
答案
B
解析
： B is correct. Bank Nederlandse has a claim against Marolf for 1.5 million EUR, the shortfall between the amount of the mortgage balance outstanding and the proceeds received from the sale of the property. This indicates that the mortgage loan is a recourse loan. The recourse/non-recourse feature indicates the rights of a lender in foreclosure. If Marolf had a non-recourse loan, the bank would have only been entitled to the proceeds from the sale of the underlying property, or 2.5 million EUR. A bullet loan is a special type of interest-only mortgage for which there are no scheduled principal payments over the entire term of the loan. Since the unpaid balance is less than the original mortgage loan, it is unlikely that Marolf has an interest only mortgage. ： B是正确的。荷兰银行向Marolf提出了150万欧元的索赔，即未偿抵押贷款余额与出售财产所得收益之间的差额。这表明抵押贷款是一种有追索权的贷款。追索权/无追索权特征表示贷款人在丧失抵押品赎回权方面的权利。如果Marolf有无追索权贷款，银行将只有权获得出售标的财产的收益，即250万欧元。子弹贷款是一种特殊类型的只付利息的抵押贷款，在整个贷款期限内没有预定的本金支付。由于未付余额低于原始抵押贷款，因此Marolf不太可能拥有仅利息的抵押贷款。