新西兰金融学论文代写:分期付款

新西兰金融学论文代写:分期付款

考虑中提供的信息,对客户案例研究,很明显,客户安德鲁和斯蒂芬妮·威尔逊只会资格首次业主拨款标准需要满足效果的其他计划不符合的客户。因此,贷款给这对夫妇的实际要求是(370000.00 – 7000.00)= 363000.00美元。考虑到利率为7.57%,贷款期限为25年,每月分期付款为2699.09美元。看看安德鲁和斯蒂芬妮每月的收入合计(Net),7800美元,这对夫妇就可以支付每月分期付款了。如果贷款协议规定每年分期付款,那么每年分期付款将是32765.17美元。考虑到这对夫妇每年的净收入为93600.00美元,这对夫妇将会在25年内偿还贷款。

因此,这对夫妇很有可能在25年的时间里履行偿还贷款的承诺。

银行抵押贷款保险允许借款人借款高达95%的购买价格的比通常需要较低的存款,传统银行要求借款人存款至少20%的房屋价值,银行通过银行抵押贷款保险能提供住房贷款存款较低的潜在买家。考虑到这对夫妇的资产,将需要提供贷款保险;这种按揭保险的保险费是3775.00美元。

可能影响客户偿还贷款能力的问题是夫妻双方继续各自工作的稳定性。万一他们将来失去工作,那对夫妇支付分期付款的能力将会受到极大的阻碍。除此之外,客户端,即两人似乎很有财务根据条款和条件偿还贷款分期付款是否每个月月底支付应付未来25年或未来25年每年年底(ComlawGov盟,2014)。

新西兰金融学论文代写:分期付款

Considering the information as provided in the case study about the clients, it is clear that the clients Andrew and Stephanie Wilson will only be eligible to First Home Owners Grants as the criterions need to be satisfied to avail the benefit of other schemes are not met by the clients. Hence, the actual requirement of loan to the couple will be (370000.00 – 7000.00) = $363000.00. Considering the rate of interest at 7.57% p.a. and the term of the loan is 25 years, the monthly instalment will be $2699.09. Looking at the monthly combined income (Net) of Andrew and Stephanie, $7800, the couple is well placed to pay the monthly instalments. If the loan agreement provides for yearly payment of instalment, the annual instalment will be $32765.17. Considering the yearly net combined income of the couple is $93600.00, the couple will be in a good position to repay the loan amount in 25 years.

Hence the couple will likely be able to fulfil their commitments of repaying the loan within the period of 25 years.

The lender mortgage insurance allows the borrower to borrow up to 95% of the purchase price of the home with lower deposit than usually required, traditionally lenders require borrower to deposit at least 20% of the home value, lenders by using lender mortgage insurance will be able to offer home loan to the prospective buyer with lower deposit. Lender mortgage insurance will be needed considering the assets the couple has; the amount of premium for such mortgage insurance will be $3775.00.

The issue that may affect the ability of the client to repay the loan is the stability of the couple in continuing their respective jobs.In case any of them lose their job in future, the ability of the couple to pay the instalment amount will be greatly hampered. Apart from this, the client, i.e. the couple seems to be well placed financially to repay the loan according to the terms and conditions whether the instalment are payable at the end of each month for next 25 years or payable at the end of each year for next 25 years(ComlawGov AU, 2014).