Mortgages
There are many different types of mortgages. It is very important to find out which mortgage that is best and right for you.
Some of the most common mortgages available today include:
Fixed rate mortgages
The lender's interest rate may be a prime consideration should you plan to stay in your home for an extended period of time. A fixed rate loan means your interest rate will not change during the term of the loan, and these loans are available in a variety of payment terms. The easiest one to qualify for is the 30-year mortgage, which also allow for the maximum deductions on interest. The 20-year mortgage saves a considerable amount of interest, and allows owners to get out of debt sooner. The 15-year fixed rate mortgage allows you to build up equity faster, but your payments may be substantially larger.
Adjustable rate mortgage
An adjustable-rate mortgage (ARM) offers an interest rate that will vary with changing market rates. This interest rate may get you into a home with lower initial payments than those of a fixed rate mortgage. Because of this, you may qualify for a larger loan. However, your payment may go up when interest rates are raised. Many ARM agreements also give you the option of locking the rate in within a certain time period.
Balloon mortgage
Balloon loans offer more buying power through lower interest rates on shorter term financing. You may want to consider this option if you have a stable income, and can afford to make a sizable monthly house payment; especially if you currently lack the resources for a large down payment. During the final year of the mortgage term, your entire outstanding balance is due to the lender. Balloon mortgages are also desirable if you plan to sell or refinance your home within a few years.
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貸款
貸款有很多不同的種類，所以選擇一個合適你的貸款是很重要的。最常見的有以下幾種：
定息貸款：
如果你的物業是長期自住，貸款利率也許是最重要的考慮因素。定息貸款顧名思義貸款利率全期也不會改變，而供款的種類有很多不同的選擇。最容易通過審批的是３０年的貸款，也有最多的利息稅務優惠。２０年貸款可以為你節省一筆可觀的利息開支，也可讓業主早點還清貸款。１５年定息貸款讓你盡快付清貸款，但你的每月供款也會大大提升。
浮息貸款：
浮動利息貸款（ＡＲＭ）提供一個讓貸款利率跟隨市場利率浮動的方案。浮息貸款讓你可以用比定息貸款較少的定金購買房子，因此你可能借一筆更大的貸款。但是你的供款也會因為利率上漲而上升，因此很多浮息貨款也讓你可以在一定的時限內鎖定貸款利率。
氣球貸款：
氣球貸款是中短期貸款，在一定時間後需一次付清尾款。如果你有穩定的收入，並確定在一定時間後可以全部付清，你可選擇這種貸款。在貸款的最後一年，將尾款一次過付給貸款人。如果你想在幾年之內賣掉房子或重新貸款，這會是一個好的選擇。
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