固定利率抵押贷款

对于复杂性，一种可能的反应是要求简单化。比如，只允许发放标准的30年期固定利率抵押贷款。

A potential response to complexity would be to require simplicity – for example , by allowing only the standard 30-year fixed-rate mortgages .

固定利率抵押贷款提前偿还风险估计

Estimating Prepayments Risk on Fixed - rate on Mortgage Loan

考虑违约风险的固定利率抵押贷款支持证券三因素定价模型

A 3-Factor Pricing Model with Default Risk for Fixed Rate Mortgage-Backed Securities

现在大多数30年期固定利率抵押贷款是由房利美和房贷美支持。

Right now most 30-year fixed rate mortgages are backed by Fannie Mae and Freddie Mac .

最后，本文提出了收取浮动的违约金率的观点，违约金率可以与市场利率等因素挂钩进行定价，也可以推出固定利率抵押贷款合同以管理提前还贷风险。

Finally , this paper suggests the floating penalty rate , which can be linked with the market interest rate and other factors . Fixed-rate mortgage loan contract can also be launched to manage prepayment risk .

固定利率住房抵押贷款创新研究

New Study on Housing Mortgage Loan with Fixed Interest Rate

固定支付利率抵押贷款定价的一般原理

Principle of pricing the fixed - rate - mortgage

利用期权定价理论，固定支付利率抵押贷款定价问题可以模型为一个自由边界问题或变分不等式方程。

The Fixed-Rate-Mortgage pricing problem can be modified as a free boundary problem or a variational inequality by the option theory .

固定利率住房抵押贷款作为传统金融产品有较长的历史，其结构也并不复杂。

As far as Fixed Rate Mortgage loan ( FRM ) is concerned , as a financial instrument with long history , its structure is not complicate .

1945年第二次世界大战结束，并在随后一年出现婴儿潮，这种30年的、固定利率的抵押贷款成了社会基石，社会群体最大化地出现空前多的私房房主。

When World War II ended in1945 and the Baby Boom began the following year , the30-year , fixed-rate mortgage became a cornerstone of society and led to unprecedented levels of homeownership .

但根据欧洲央行的统计数字，1月份，欧元区浮息抵押贷款及头年为固定利率的抵押贷款的平均利率下降了70个基点，至4.39%。

But according to the ECB statistics , the interest rate on floating-rate eurozone mortgages and those with rates initially fixed for up to a year fell by 70 basis points in January to an average of 4.39 per cent .

固定支付利率的抵押贷款定价理论&限于在支付日提前支付或违约

Pricing the Fixed-Rate-Mortgage Contracts - Limitting on Payment-dates to Prepay or Default

例如，如果我们用有资产担保的债券为固定利率的长期抵押贷款筹集固定利率的长期融资，那么它就可能稳定房地产市场。

Covered bonds , for example , could steady housing markets if used to raise long-term fixed rate funding for long-term fixed rate mortgages .