DTI:  Debt to income ratio 债务收入比

LTV  Loan to value 贷款房屋价值比

CLTV The combined loan-to-value (CLTV) ratio is the ratio of all secured loans on a property to the value of a property. 指用同一房产做抵押的两个贷款的总额与这个房屋的价值的比例,通常也换算成百分比。 假设一个房子价值$1,000,000,其中第一贷款$700,000,第二贷款$100,000。 那么第一个贷款的LTV是70%,第二个贷款的LTV是10%,CLTV是80%。

1)如果贷款是Home Equity Line of Credit,请用Line 的最高限额(Limit)而不是Balance来计算LTV/CLTV,即使Balance是零。
2)买房贷款中计算LTV/CLTV用的房屋价值是Appraisal估价和Purchase Price中较低的那个。( 出处: )

SOFR The Secured Overnight Financing Rate, is based on actual transactions in the Treasury repurchase (repo) market, where extensive trading happens daily. This is the market where investors offer borrowers overnight loans backed by their U.S. Treasury bond assets. 担保隔夜融资利率 (SOFR) 基于国债回购 (repo) 市场中的实际交易,该市场每天都会发生大量交易。 这是投资者向借款人提供由其美国国债资产支持的隔夜贷款的市场。

ARRC Alternative Reference Rates Committee is a group of private-market participants convened to help ensure a successful transition from USD LIBOR to a more robust reference rate

There are two key differences between LIBOR and the recommended ARR(Alternative Reference Rates) that have implications for financial markets: − LIBOR includes a component of bank credit risk, whereas ARRs are considered akin to risk-free rates (meaning free of bank credit risk).

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SOFR takes into account actual lending transactions between institutions, making it more reliable than Libor, which Weller says was subject to insider manipulation.
Effective December 31, 2021, Libor will no longer be used to issue new loans in the U.S. It is being replaced by the Secured Overnight Financing Rate (SOFR), which many experts consider a more accurate and more secure pricing benchmark.Sep 6, 2022     –