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| 2006-8-28 11:46:46 [点击数：2148] |
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《参考消息》2006年7月14日第4版：一朝买房，终生还贷？
【英国《卫报》7月8日文章】题：缩短期限还是终生还贷？
Life saver - or a life sentence?
Saturday July 8, 2006
The Guardian
（1） With today's buyers requiring ever-larger home loans, some banks and building societies have come up with a clever trick for bringing the dream of home ownership within their r________①: increasing the term of the loan in order to reduce the monthly payments.
（2）But it's a trick with a nasty catch. While your monthly outlay will be lower, by the time the deal comes to an end you'll have paid far more - perhaps an extra £150,000 - than if you had a standard 25-year mortgage.
Robert McLean, 36, recently signed up for a mortgage with Northern Rock which he is being allowed to pay back over 35 years... by which point he will be 71. He recently bought a two-bedroom house with his wife, and was offered a five-year fixed-rate deal with an initial rate of 6.2%. To o_________② this high interest rate the bank recommended its Together mortgage, which allows the couple to borrow more than most high street lenders allow and to stretch the term of the loan.
Mr McLean (not his real name) does not have a p_________③ job but works on contract in the public sector. Despite this, he says the bank allowed him and his partner to borrow more than four times their joint earnings.
（A）________________________________________________.（至于未来，这对夫妻希望他们的财务状况在今后几年内有个大的改观，帮助他们在退休前还清这笔按揭贷款。）
They are not the only ones who are being offered the option of going long on their borrowing. If the trend for extending people's mortgage terms accelerates, it could mean we end up w________④ goodbye to the traditional 25-year loan. Already in the United States, most major banks now offer 40-year mortgages.
（3）It all has frightening echoes of the Japanese property bubble of a few years back, when absurdly high property prices led to the development of 100-year mortgages, which were designed to be paid off by the borrower's children and grandchildren.
On the f________⑤ of it, the maths of mortgage stretching looks pretty good. If you signed up for a £200,000 home loan to be paid back over 25 years, you would pay £1,140 a month in the first two years and £1,329 a month for the remainder of the term, assuming a two-year tracker rate of 4.79% which then converts into a 6.5% standard rate.
That monthly repayment after two years falls to £1,157 - a saving of £172 a month or more than £2,000 a year - if you increase the term to 40 years. For those with t_______⑥ finances, that £172 a month saving could be the difference between getting on the property ladder and being forced to continue renting.
But those lower payments come at a price. After 25 years, you would have handed over a total of £394,241 in mortgage payments, based on the above example. But with a 40-year term, the total amount repaid soars to £549,931.
Stretching the life of a loan over several decades means people could be storing up serious problems for the future. （4）If during the intervening years they have not taken action, such as shortening th
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| 2006-8-28 11:46:46 [点击数：2148] |
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