Ch 8 p pt presentationca7

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Economy & Finance Business

Loan Terms and Note Payments

Chapter 8

1

Interest
• Simple Interest—paid only on the amount of principal still
owed.
• Term Loan—requires payments of interest only with the
entire principal being repaid at a specified time.
• Amortization—payments include portions for both principal
and interest.
• Distribution of Principal and Interest

2

Variations in Payments and Interest
Rates
• Graduated-Payment Mortgage (GPM)
• Adjustable-Rate Mortgage (ARM)
– Adjustment periods
– Initial rate
– Note rate
– Qualifying rate
– Index
– Margin
– Interest rate caps
– Payment caps
3

Innovative Payment Plans
• The 15-Year Mortgage
• Reverse Annuity Mortgage (RAM)
• Fannie Mae Senior Housing Program
• Fannie Mae’s Two-Step Mortgage Plan

4

Variations in Formats
• Open-end mortgage
• Construction mortgage
• Blanket mortgage
• Release clauses
• Leasehold mortgage
• Package mortgage
• Manufactured home mortgages
• Purchase-money mortgage
• Hard-money mortgage (equity mortgage)
• Bridge loan
• Wraparound encumbrance (Wrap)
• Mortgage participation

5

Tax-Deferred Mortgage Lending
• Installment sales
• Option to buy
• Lease with option of buy
• Exchanges—Internal Revenue Code Section
1031

6

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Ch 8 p pt presentationca7

1. Loan Terms and Note Payments Chapter 8 1

2. Interest • Simple Interest—paid only on the amount of principal still owed. • Term Loan—requires payments of interest only with the entire principal being repaid at a specified time. • Amortization—payments include portions for both principal and interest. • Distribution of Principal and Interest 2

3. Variations in Payments and Interest Rates • Graduated-Payment Mortgage (GPM) • Adjustable-Rate Mortgage (ARM) – Adjustment periods – Initial rate – Note rate – Qualifying rate – Index – Margin – Interest rate caps – Payment caps 3

4. Innovative Payment Plans • The 15-Year Mortgage • Reverse Annuity Mortgage (RAM) • Fannie Mae Senior Housing Program • Fannie Mae’s Two-Step Mortgage Plan 4

5. Variations in Formats • Open-end mortgage • Construction mortgage • Blanket mortgage • Release clauses • Leasehold mortgage • Package mortgage • Manufactured home mortgages • Purchase-money mortgage • Hard-money mortgage (equity mortgage) • Bridge loan • Wraparound encumbrance (Wrap) • Mortgage participation 5

6. Tax-Deferred Mortgage Lending • Installment sales • Option to buy • Lease with option of buy • Exchanges—Internal Revenue Code Section 1031 6

Ch 8 p pt presentationca7

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