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1. Mortgage Type: Ò»°ãÀ´Ëµ£¬15ÄêµÄÀûÂʱÈ30ÄêÒªµÍ£¬ARMÆðʼµÄteaser rate ±ÈFixed Payment µÄÒªµÍ¡£

2. LTV Ratio (Loan-To-Value Ratio), ¾ÍÊÇÄÃÄãµÄLoan Amount ³ýÒÔÄã·¿×ӵļÛÖµ¡£Ð¡ÓÚ80%µÄ£¨»»¾ä»°½²£¬down payment ³¬¹ý20%£©µÄ£¬rate »áµÍһЩ¡£³¬¹ý80%µÄ£¬³ýÁËÀûÂÊ»á¸ß£¬Ò»°ã»¹»á±»ÒªÇó½»¶îÍâµÄMortgage Insurance¡£

3. Income Ratio: ÊÇÖ¸monthly mortgage payment ³ýÒÔ monthly income, income ¿ÉÒÔÊÇ before tax (front ratio) »òÊÇ after tax (back ratio). Õâ¸öratio ×îºÃ²»Òª³¬¹ý28% (before taxor) »òÊÇ 36% (after tax)¡£