{"id":43,"date":"2020-03-05T18:48:30","date_gmt":"2020-03-05T18:48:30","guid":{"rendered":"https:\/\/kloan.us\/mortgage\/glossary\/"},"modified":"2022-11-10T17:37:25","modified_gmt":"2022-11-10T17:37:25","slug":"glossary","status":"publish","type":"page","link":"https:\/\/kloan.us\/mortgage\/glossary\/","title":{"rendered":"Glossary"},"content":{"rendered":"<p><strong>DTI<\/strong>:\u00a0 Debt to income ratio \u503a\u52a1\u6536\u5165\u6bd4<\/p>\n<p><strong>LTV<\/strong>\u00a0 Loan to value \u8d37\u6b3e\u623f\u5c4b\u4ef7\u503c\u6bd4<\/p>\n<p><strong>CLTV<\/strong> The combined loan-to-value (<b>CLTV<\/b>) ratio is the ratio of all secured loans on a property to the value of a property. \u6307\u7528\u540c\u4e00\u623f\u4ea7\u505a\u62b5\u62bc\u7684\u4e24\u4e2a\u8d37\u6b3e\u7684\u603b\u989d\u4e0e\u8fd9\u4e2a\u623f\u5c4b\u7684\u4ef7\u503c\u7684\u6bd4\u4f8b\uff0c\u901a\u5e38\u4e5f\u6362\u7b97\u6210\u767e\u5206\u6bd4\u3002 \u5047\u8bbe\u4e00\u4e2a\u623f\u5b50\u4ef7\u503c$1,000,000\uff0c\u5176\u4e2d\u7b2c\u4e00\u8d37\u6b3e$700,000\uff0c\u7b2c\u4e8c\u8d37\u6b3e$100,000\u3002 \u90a3\u4e48\u7b2c\u4e00\u4e2a\u8d37\u6b3e\u7684<b>LTV\u662f<\/b>70%\uff0c\u7b2c\u4e8c\u4e2a\u8d37\u6b3e\u7684<b>LTV\u662f<\/b>10%\uff0c<b>CLTV\u662f<\/b>80%\u3002<\/p>\n<blockquote><p>\u8ba1\u7b97LTV\uff0fCLTV\u7684\u6ce8\u610f\u95ee\u9898\uff1a<br \/>\n1\uff09\u5982\u679c\u8d37\u6b3e\u662fHome Equity Line of Credit\uff0c\u8bf7\u7528Line \u7684\u6700\u9ad8\u9650\u989d\uff08Limit\uff09\u800c\u4e0d\u662fBalance\u6765\u8ba1\u7b97LTV\uff0fCLTV\uff0c\u5373\u4f7fBalance\u662f\u96f6\u3002<br \/>\n2\uff09\u4e70\u623f\u8d37\u6b3e\u4e2d\u8ba1\u7b97LTV\uff0fCLTV\u7528\u7684\u623f\u5c4b\u4ef7\u503c\u662fAppraisal\u4f30\u4ef7\u548cPurchase Price\u4e2d\u8f83\u4f4e\u7684\u90a3\u4e2a\u3002( \u51fa\u5904\uff1ahttps:\/\/bbs.wenxuecity.com\/mortgage-loan\/723246.html \uff09<\/p><\/blockquote>\n<p><strong>SOFR<\/strong> 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. <strong>\u62c5\u4fdd\u9694\u591c\u878d\u8d44\u5229\u7387 (SOFR)<\/strong> \u57fa\u4e8e\u56fd\u503a\u56de\u8d2d (repo) \u5e02\u573a\u4e2d\u7684\u5b9e\u9645\u4ea4\u6613\uff0c\u8be5\u5e02\u573a\u6bcf\u5929\u90fd\u4f1a\u53d1\u751f\u5927\u91cf\u4ea4\u6613\u3002 \u8fd9\u662f\u6295\u8d44\u8005\u5411\u501f\u6b3e\u4eba\u63d0\u4f9b\u7531\u5176\u7f8e\u56fd\u56fd\u503a\u8d44\u4ea7\u652f\u6301\u7684\u9694\u591c\u8d37\u6b3e\u7684\u5e02\u573a\u3002<\/p>\n<p><strong>ARRC<\/strong> Alternative Reference Rates Committee <em>is a group of private-market participants convened to help ensure a successful transition from USD LIBOR to a more robust reference rate<\/em><\/p>\n<blockquote><p>There are two key differences between LIBOR and the recommended ARR(Alternative Reference Rates) that have implications for financial markets: \u2212 <b>LIBOR includes a component of bank credit risk, whereas ARRs are considered akin to risk-free rates<\/b>\u00a0(meaning free of bank credit risk).<\/p>\n<div class=\"TbwUpd NJjxre\"><cite class=\"iUh30 qLRx3b tjvcx\" role=\"text\">&#8212; https:\/\/www.macquarie.com<span class=\"dyjrff qzEoUe\" role=\"text\">\u00a0\u203a macq \u203a about \u203a company<\/span><\/cite><\/div>\n<div><\/div>\n<div class=\"TbwUpd\"><b>SOFR takes into account actual lending transactions between institutions, making it more reliable than Libor<\/b>, which Weller says was subject to insider manipulation.<\/div>\n<div><span class=\"ILfuVd\" lang=\"en\"><span class=\"hgKElc\">Effective <strong>December 31, 2021<\/strong>, Libor will no longer be used to issue new loans in the U.S.\u00a0<b>It is being replaced by the Secured Overnight Financing Rate (SOFR)<\/b>, which many experts consider a more accurate and more secure pricing benchmark.<\/span><\/span><span class=\"kX21rb ZYHQ7e\">Sep 6, 2022\u00a0 \u00a0 \u00a0&#8211; https:\/\/www.forbes.com\/advisor\/investing\/what-is-libor\/<\/span><\/div>\n<div><\/div>\n<\/blockquote>\n<div class=\"B6fmyf\">\n<div class=\"eFM0qc\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>DTI:\u00a0 Debt to income ratio \u503a\u52a1\u6536\u5165\u6bd4 LTV\u00a0 Loan to value \u8d37\u6b3e\u623f\u5c4b\u4ef7\u503c\u6bd4 CLTV The combined loan-to-value (CLTV) ratio is the ratio of all secured loans on a property to the value of a property. \u6307\u7528\u540c\u4e00\u623f\u4ea7\u505a\u62b5\u62bc\u7684\u4e24\u4e2a\u8d37\u6b3e\u7684\u603b\u989d\u4e0e\u8fd9\u4e2a\u623f\u5c4b\u7684\u4ef7\u503c\u7684\u6bd4\u4f8b\uff0c\u901a\u5e38\u4e5f\u6362\u7b97\u6210\u767e\u5206\u6bd4\u3002 \u5047\u8bbe\u4e00\u4e2a\u623f\u5b50\u4ef7\u503c$1,000,000\uff0c\u5176\u4e2d\u7b2c\u4e00\u8d37\u6b3e$700,000\uff0c\u7b2c\u4e8c\u8d37\u6b3e$100,000\u3002 \u90a3\u4e48\u7b2c\u4e00\u4e2a\u8d37\u6b3e\u7684LTV\u662f70%\uff0c\u7b2c\u4e8c\u4e2a\u8d37\u6b3e\u7684LTV\u662f10%\uff0cCLTV\u662f80%\u3002 \u8ba1\u7b97LTV\uff0fCLTV\u7684\u6ce8\u610f\u95ee\u9898\uff1a 1\uff09\u5982\u679c\u8d37\u6b3e\u662fHome Equity Line of Credit\uff0c\u8bf7\u7528Line \u7684\u6700\u9ad8\u9650\u989d\uff08Limit\uff09\u800c\u4e0d\u662fBalance\u6765\u8ba1\u7b97LTV\uff0fCLTV\uff0c\u5373\u4f7fBalance\u662f\u96f6\u3002 2\uff09\u4e70\u623f\u8d37\u6b3e\u4e2d\u8ba1\u7b97LTV\uff0fCLTV\u7528\u7684\u623f\u5c4b\u4ef7\u503c\u662fAppraisal\u4f30\u4ef7\u548cPurchase Price\u4e2d\u8f83\u4f4e\u7684\u90a3\u4e2a\u3002( \u51fa\u5904\uff1ahttps:\/\/bbs.wenxuecity.com\/mortgage-loan\/723246.html \uff09 SOFR The Secured Overnight Financing Rate, is based [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"spay_email":"","footnotes":""},"class_list":["post-43","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kloan.us\/mortgage\/wp-json\/wp\/v2\/pages\/43","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kloan.us\/mortgage\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kloan.us\/mortgage\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kloan.us\/mortgage\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kloan.us\/mortgage\/wp-json\/wp\/v2\/comments?post=43"}],"version-history":[{"count":3,"href":"https:\/\/kloan.us\/mortgage\/wp-json\/wp\/v2\/pages\/43\/revisions"}],"predecessor-version":[{"id":112,"href":"https:\/\/kloan.us\/mortgage\/wp-json\/wp\/v2\/pages\/43\/revisions\/112"}],"wp:attachment":[{"href":"https:\/\/kloan.us\/mortgage\/wp-json\/wp\/v2\/media?parent=43"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}