中文讲解贷款课程（2023）。第二十集《从零开始》美国贷款经纪考试准备视频 - 那种贷款行为是掠夺房屋净值？ 英文不好如何通过贷款经纪考试？建友地产贷款培训（二零二三）。

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中文讲解贷款课程（2023）。第二十集《从零开始》美国贷款经纪考试准备视频 - 那种贷款行为是掠夺房屋净值？ 英文不好如何通过贷款经纪考试？建友地产贷款培训（二零二三）。



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0:00:00 - Intro
0:00:15 - Predatory Lending （掠夺性贷款）
0:01:55 - High Cost Loan （高成本贷款）
0:04:04 - APOR
0:06:15 - Higher Priced Mortgage Loans （更高代价房屋贷款）

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那种贷款行为是掠夺房屋净值

Predatory Lending (掠夺性放贷)

Home Ownership And Equity Protection Act (HOEPA)
房屋持有以及房屋净值保户法

Establishes Disclosure Requirements and
Protect Against Deceptive and Unfair Practices

Enforced by CFPB for all federally-regulated depository institution （联邦监查存款机构）

State attorney general (州检查总长)regulates non-depository lenders （非存款贷方）

Gives Federal Reserve Board （联储会） the power to prohibit unfair and deceptive （不公平及欺骗行为）practices for all mortgage loans


High Cost Loan 高成本贷款(另称为Section 32 Loans)

Closed end （封闭） or open end（开放） loans secured by borrower’s principal residence

Excludes Reverse Mortgage, construction loan,
Or USDA loan. And loans made on second or vacation home

A loan is considered high cost if:
APR for first lien APOR by more than 6.5 percentage points, or
APR for second mortgage APOR by more then 8.5 percentage points, or
Loan amount is $21,980 or more and the total points and fees 5% of the total loan amount.

APOR = Average Prime Offer Rate
Average APR currently offered to consumers by a representative sample of lenders for prime loans （优惠级贷款）.

If threshold (门槛) is reached, creditors must disclose the followings to consumers:
APR
Regular （定期） payment amount
Loan amount
For variable rate, amount of maximum monthly payment and the fact that interest rate may increase
For refinance, the total amount borrowed

Higher Priced Mortgage Loans （简称为HPML）
Closed-end mortgage loan (封闭端房贷) secured by borrower’s principal residence

Definition: APR exceeds APOR by:
1.5% for a first loan （第一顺位贷款）
2.5% for first lien jumbo loan (大额贷款)
3.5% for subordinate loan (附属贷款)

If loan is higher-priced mortgage loan, MLO must establish:
Borrower’s ability to repay (借款人还债能力)
Escrow account for taxes, insurance and PMI for 5 years
A full appraisal