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中央銀行-中文版

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指數型房貸

指數型房貸

中文名詞 指數型房貸
英文名詞 Adjustable Rate Mortgage (ARM)
中文解釋

央行於民國91年初推動房貸利率訂價制度改革,以指標利率(如主要銀行之定期或定期儲蓄存款之平均利率、短期票券次級市場平均利率等)加碼訂價,該加碼幅度於貸款契約存續期間不得任意調整。此種以指標利率加碼訂價之房貸,稱為指數型房貸。[1]

英文解釋 ARMs refer to mortgages which are priced by adding a markup to benchmark interest rate (such as the average interest rate on time savings deposits offered by major banks). The markup is not adjustable at the bank's discretion during the tenure of the mortgage contract. In the year 2002, the Central Bank of China started to promote the Adjustable Rate Mortgages. [1]
關鍵字 Adjustable Rate Mortgage (ARM)
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