<p>纽约市，纽约州 / ACCESS Newswire /2025 年 9 月 1 日/ 申请抵押贷款可能会让人感到不知所措，但其实并不一定如此。无论你是在积极寻找房屋、为未来做规划，还是不确定自己的状况，了解抵押贷款流程的基本知识都能帮助你为未来的房主身份做出最佳决策。</p>
<p><strong>什么是抵押贷款？</strong></p>
<p>简单来说，抵押贷款是借款人向贷款人借款以购买房地产——即土地及其上永久附着的任何物体，包括住宅物业如房屋和公寓。</p>
<p>当你申请抵押贷款时，你承诺在一段时间内连同利息偿还贷款人。大多数抵押贷款的还款是按月进行的，主要包括三个基本组成部分：</p>
<ul>
<li>本金：你从贷款人那里借的金额</li>
<li>利息：借款的成本，通常以本金的百分比表示</li>
<li>房产税：你年度房产税的一部分，由贷款人估算并收取</li>
</ul>
<p>你的抵押贷款还款可能还包括两个保险费：</p>
<ul>
<li>房屋保险：大多数贷款人要求投保以保护财产。有些贷款人会代你支付保费，并将费用包含在你的月账单中。</li>
<li>抵押贷款保险：如果你支付的首付少于购房价格的 20%，贷款人可能会要求你购买这项额外的保险，以保护自己在你停止还款的情况下。</li>
</ul>
<p><strong>常见的抵押贷款类型解释</strong></p>
<p>抵押贷款通常根据利率的运作方式进行分类：</p>
<ul>
<li>固定利率抵押贷款，利率在贷款期限内保持不变。</li>
<li>可调利率抵押贷款（ARM），利率在一个初始期限内固定，通常为三到十年，然后根据市场情况进行调整。</li>
</ul>
<p>固定利率抵押贷款提供可预测的还款，但利率通常高于可调利率抵押贷款的起始利率。可调利率抵押贷款通常起始利率较低，但之后可能会增加。</p>
<p>另一种对抵押贷款进行分类的方法是看它们是否属于政府项目。政府支持的抵押贷款由以下机构提供：</p>
<ul>
<li>联邦住房管理局（FHA）。获得 FHA 贷款的资格通常比其他抵押贷款更容易，适合信用评分较低的人群。</li>
<li>美国退伍军人事务部（VA）。VA 向符合条件的退伍军人、现役军人及某些幸存配偶提供抵押贷款。</li>
<li>美国农业部（USDA）。你想购买的房屋必须位于符合条件的农村地区才能获得 USDA 贷款。</li>
</ul>
<p>不属于政府项目的贷款称为常规抵押贷款。大多数美国抵押贷款都属于这一类别。</p>
<p><strong>抵押贷款流程的 5 个步骤</strong></p>
<p>你是否曾尝试组装家具，却发现说明书是用另一种语言写的？申请抵押贷款可能会让人有类似的感觉——只是涉及更多的文书工作、更严格的截止日期，以及借款大额资金的额外压力。</p>
<p>一些知识可以帮助你更好地管理抵押贷款流程。以下是申请抵押贷款的五个主要步骤：</p>
<p><strong>1. 获得预资格或预批准。</strong></p>
<p>预资格让你大致了解可以借多少。预批准涉及对你财务状况的更深入审查，并提供更准确的估算。获得任一项都能向卖家表明你是一个认真的买家。</p>
<p><strong>2. 找到房屋并提出报价。</strong></p>
<p>有了估算后，你可以与房地产经纪人合作，参观房屋，缩小选择范围，并在找到合适的房子时向卖家提交报价。</p>
<p><strong>3. 申请抵押贷款。</strong></p>
<p>在卖家接受你的报价后，提交正式的贷款申请。准备提供：</p>
<ul>
<li>工资单。</li>
<li>银行对账单。</li>
<li>税务申报表。</li>
<li>信用卡和贷款文件。</li>
</ul>
<p>你不必向预批准你的贷款人申请抵押贷款。预批准是非约束性的，因此你可以自由选择贷款人——只需确保更换不会影响你的成交。</p>
<p>4. 进行财务审查和承保。</p>
<p>贷款人和承保人将提取你的信用报告，验证你的文件，评估你的财务状况，并评估房屋的价值，然后才会给予最终批准。</p>
<p><strong>5. 完成贷款并获取钥匙。</strong></p>
<p>在成交日，你将签署最终文件，支付成交费用，并正式成为房主。</p>
<p><strong>让抵押贷款变得可管理</strong></p>
<p>了解抵押贷款的运作方式是自信和知情的房主身份的重要一步。虽然这个过程需要规划和文书工作，但了解预期可以帮助你更清晰地向前推进。</p>
<p><strong>来源</strong></p>
<p>https://www.consumerfinance.gov/owning-a-home/explore/understand-the-different-kinds-of-loans-available/</p>
<p>https://www.hud.gov/helping-americans/loans</p>
<p>https://www.va.gov/housing-assistance/home-loans/eligibility/</p>
<p>https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do</p>
<p><strong>联系方式</strong>：</p>
<p>Sonakshi Murze</p>
<p>经理</p>
<p>sonakshi.murze@iquanti.com</p>
<p><strong>来源：</strong> iQuanti</p>
<p>查看 ACCESS Newswire 上的原始新闻稿</p>

曼哈顿大桥投资股份

AOMR

<p>本文提供了关于抵押贷款的全面概述，解释了其基本组成部分、类型以及抵押贷款申请流程。抵押贷款被定义为用于购买房地产的贷款，通常包括本金、利息和物业税的支付。文章讨论了常见的抵押贷款类型，如固定利率抵押贷款和可调利率抵押贷款，以及政府支持的选项，如 FHA、VA 和 USDA 贷款。文章概述了获得抵押贷款的五个关键步骤：预审、寻找房屋、申请抵押贷款、财务审查和贷款结算，强调了理解这一过程对于明智购房的重要性</p>

<p>NEW YORK CITY, NY / ACCESS Newswire / September 1, 2025 / A mortgage loan can feel overwhelming, but it doesn't have to be. Whether you're deep into house hunting, planning for the future, or unsure where you stand, getting familiar with the basics of the mortgage process can help you make the best decision for your future as a homeowner.</p>
<div class="lb-trans"><p>纽约市，纽约州 / ACCESS Newswire /2025 年 9 月 1 日/ 申请抵押贷款可能会让人感到不知所措，但其实并不一定如此。无论你是在积极寻找房屋、为未来做规划，还是不确定自己的状况，了解抵押贷款流程的基本知识都能帮助你为未来的房主身份做出最佳决策。</p>
</div><p><strong>What is a mortgage?</strong></p>
<div class="lb-trans"><p><strong>什么是抵押贷款？</strong></p>
</div><p>Simply put, a mortgage is a loan from a lender to buy real estate - meaning land and anything permanently attached to it, including residential properties like homes and condos.</p>
<div class="lb-trans"><p>简单来说，抵押贷款是借款人向贷款人借款以购买房地产——即土地及其上永久附着的任何物体，包括住宅物业如房屋和公寓。</p>
</div><p>When you take out a mortgage, you promise to repay the lender over time with interest. Most mortgage payments are made monthly and consist of three basic components:</p>
<div class="lb-trans"><p>当你申请抵押贷款时，你承诺在一段时间内连同利息偿还贷款人。大多数抵押贷款的还款是按月进行的，主要包括三个基本组成部分：</p>
</div><ul>
<li>Principal: The amount you borrow from the lender</li>
<li>Interest: The cost of borrowing money, typically expressed as a percentage of the principal</li>
<li>Property taxes: A portion of your annual property tax, estimated and collected by your lender</li>
</ul>
<div class="lb-trans"><ul>
<li>本金：你从贷款人那里借的金额</li>
<li>利息：借款的成本，通常以本金的百分比表示</li>
<li>房产税：你年度房产税的一部分，由贷款人估算并收取</li>
</ul>
</div><p>Your mortgage payment might also include two insurance premiums:</p>
<div class="lb-trans"><p>你的抵押贷款还款可能还包括两个保险费：</p>
</div><ul>
<li>Home insurance: Most lenders require a policy to protect the property. Some pay the premium on your behalf and include the cost in your monthly bill.</li>
<li>Mortgage insurance: If you put down less than 20% of the purchase price, your lender may require this additional policy to protect itself if you stop making payments.</li>
</ul>
<div class="lb-trans"><ul>
<li>房屋保险：大多数贷款人要求投保以保护财产。有些贷款人会代你支付保费，并将费用包含在你的月账单中。</li>
<li>抵押贷款保险：如果你支付的首付少于购房价格的 20%，贷款人可能会要求你购买这项额外的保险，以保护自己在你停止还款的情况下。</li>
</ul>
</div><p><strong>Common mortgage types explained</strong></p>
<div class="lb-trans"><p><strong>常见的抵押贷款类型解释</strong></p>
</div><p>Mortgages are often grouped by how the interest rate works:</p>
<div class="lb-trans"><p>抵押贷款通常根据利率的运作方式进行分类：</p>
</div><ul>
<li>Fixed-rate mortgages, where the interest rate remains the same throughout the life of the loan.</li>
<li>Adjustable-rate mortgages (ARM), where the interest rate is fixed for an introductory period, usually between three and 10 years, then adjusts based on market conditions.</li>
</ul>
<div class="lb-trans"><ul>
<li>固定利率抵押贷款，利率在贷款期限内保持不变。</li>
<li>可调利率抵押贷款（ARM），利率在一个初始期限内固定，通常为三到十年，然后根据市场情况进行调整。</li>
</ul>
</div><p>Fixed-rate mortgages offer predictable payments, but the rate is often higher than an ARM's starting rate. ARMs typically start lower, but your rate may increase later.</p>
<div class="lb-trans"><p>固定利率抵押贷款提供可预测的还款，但利率通常高于可调利率抵押贷款的起始利率。可调利率抵押贷款通常起始利率较低，但之后可能会增加。</p>
</div><p>Another way of grouping mortgage loans is by whether they're part of a government program. Government-backed mortgages are offered by:</p>
<div class="lb-trans"><p>另一种对抵押贷款进行分类的方法是看它们是否属于政府项目。政府支持的抵押贷款由以下机构提供：</p>
</div><ul>
<li>Federal Housing Administration (FHA). Qualifying for FHA loans is often easier than other mortgages, making them a good option for people with low credit scores.</li>
<li>U.S. Department of Veterans Affairs (VA). The VA offers mortgages to eligible veterans, service members, and certain surviving spouses.</li>
<li>U.S. Department of Agriculture (USDA). The home you want to purchase must be in an eligible rural area to get a USDA loan.</li>
</ul>
<div class="lb-trans"><ul>
<li>联邦住房管理局（FHA）。获得 FHA 贷款的资格通常比其他抵押贷款更容易，适合信用评分较低的人群。</li>
<li>美国退伍军人事务部（VA）。VA 向符合条件的退伍军人、现役军人及某些幸存配偶提供抵押贷款。</li>
<li>美国农业部（USDA）。你想购买的房屋必须位于符合条件的农村地区才能获得 USDA 贷款。</li>
</ul>
</div><p>Loans that aren't part of a government program are called conventional mortgages. Most U.S. mortgages fall into this category.</p>
<div class="lb-trans"><p>不属于政府项目的贷款称为常规抵押贷款。大多数美国抵押贷款都属于这一类别。</p>
</div><p><strong>5 steps of the mortgage process</strong></p>
<div class="lb-trans"><p><strong>抵押贷款流程的 5 个步骤</strong></p>
</div><p>Have you ever tried to assemble furniture only to discover the instructions were written in another language? Getting a mortgage can feel like that - except with more paperwork, stricter deadlines, and the added pressure of borrowing a large sum of money.</p>
<div class="lb-trans"><p>你是否曾尝试组装家具，却发现说明书是用另一种语言写的？申请抵押贷款可能会让人有类似的感觉——只是涉及更多的文书工作、更严格的截止日期，以及借款大额资金的额外压力。</p>
</div><p>A little knowledge can help make the mortgage process more manageable. Here are the five main steps in applying for a mortgage:</p>
<div class="lb-trans"><p>一些知识可以帮助你更好地管理抵押贷款流程。以下是申请抵押贷款的五个主要步骤：</p>
</div><p><strong>1. Get prequalified or preapproved.</strong></p>
<div class="lb-trans"><p><strong>1. 获得预资格或预批准。</strong></p>
</div><p>Prequalification gives you a ballpark figure for how much you can borrow. Preapproval involves a deeper review of your finances and gives you a more accurate estimate. Getting either shows sellers you're a serious buyer.</p>
<div class="lb-trans"><p>预资格让你大致了解可以借多少。预批准涉及对你财务状况的更深入审查，并提供更准确的估算。获得任一项都能向卖家表明你是一个认真的买家。</p>
</div><p><strong>2. Find a home and make an offer.</strong></p>
<div class="lb-trans"><p><strong>2. 找到房屋并提出报价。</strong></p>
</div><p>With an estimate in hand, you can work with a real estate agent to tour homes, narrow down your options, and submit an offer to the seller when you find the right house.</p>
<div class="lb-trans"><p>有了估算后，你可以与房地产经纪人合作，参观房屋，缩小选择范围，并在找到合适的房子时向卖家提交报价。</p>
</div><p><strong>3. Apply for your mortgage.</strong></p>
<div class="lb-trans"><p><strong>3. 申请抵押贷款。</strong></p>
</div><p>After the seller accepts your offer, submit a formal loan application. Be prepared to provide:</p>
<div class="lb-trans"><p>在卖家接受你的报价后，提交正式的贷款申请。准备提供：</p>
</div><ul>
<li>Pay stubs.</li>
<li>Bank statements.</li>
<li>Tax returns.</li>
<li>Credit card and loan documents.</li>
</ul>
<div class="lb-trans"><ul>
<li>工资单。</li>
<li>银行对账单。</li>
<li>税务申报表。</li>
<li>信用卡和贷款文件。</li>
</ul>
</div><p>You don't have to apply for a mortgage from the lender that preapproved you. Preapproval is nonbinding, so you're free to shop around - just be sure switching won't change your closing.</p>
<div class="lb-trans"><p>你不必向预批准你的贷款人申请抵押贷款。预批准是非约束性的，因此你可以自由选择贷款人——只需确保更换不会影响你的成交。</p>
</div><p>4. Go through the financial review and underwriting.</p>
<div class="lb-trans"><p>4. 进行财务审查和承保。</p>
</div><p>The lender and underwriter will pull your credit report, verify your documents, evaluate your finances, and assess the home's value before giving final approval.</p>
<div class="lb-trans"><p>贷款人和承保人将提取你的信用报告，验证你的文件，评估你的财务状况，并评估房屋的价值，然后才会给予最终批准。</p>
</div><p><strong>5. Close on the loan and get the keys.</strong></p>
<div class="lb-trans"><p><strong>5. 完成贷款并获取钥匙。</strong></p>
</div><p>On closing day, you'll sign the final paperwork, pay closing costs, and officially become a homeowner.</p>
<div class="lb-trans"><p>在成交日，你将签署最终文件，支付成交费用，并正式成为房主。</p>
</div><p><strong>Mortgages made manageable</strong></p>
<div class="lb-trans"><p><strong>让抵押贷款变得可管理</strong></p>
</div><p>Understanding how mortgages work is a key step toward confident and informed homeownership. While the process takes planning and paperwork, knowing what to expect can help you move forward with clarity.</p>
<div class="lb-trans"><p>了解抵押贷款的运作方式是自信和知情的房主身份的重要一步。虽然这个过程需要规划和文书工作，但了解预期可以帮助你更清晰地向前推进。</p>
</div><p><strong>Sources</strong></p>
<div class="lb-trans"><p><strong>来源</strong></p>
</div><p>https://www.consumerfinance.gov/owning-a-home/explore/understand-the-different-kinds-of-loans-available/</p>
<div class="lb-trans"><p>https://www.consumerfinance.gov/owning-a-home/explore/understand-the-different-kinds-of-loans-available/</p>
</div><p>https://www.hud.gov/helping-americans/loans</p>
<div class="lb-trans"><p>https://www.hud.gov/helping-americans/loans</p>
</div><p>https://www.va.gov/housing-assistance/home-loans/eligibility/</p>
<div class="lb-trans"><p>https://www.va.gov/housing-assistance/home-loans/eligibility/</p>
</div><p>https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do</p>
<div class="lb-trans"><p>https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do</p>
</div><p><strong>CONTACT</strong>:</p>
<div class="lb-trans"><p><strong>联系方式</strong>：</p>
</div><p>Sonakshi Murze</p>
<div class="lb-trans"><p>Sonakshi Murze</p>
</div><p>Manager</p>
<div class="lb-trans"><p>经理</p>
</div><p>sonakshi.murze@iquanti.com</p>
<div class="lb-trans"><p>sonakshi.murze@iquanti.com</p>
</div><p><strong>SOURCE:</strong> iQuanti</p>
<div class="lb-trans"><p><strong>来源：</strong> iQuanti</p>
</div><p>View the original press release on ACCESS Newswire</p>
<div class="lb-trans"><p>查看 ACCESS Newswire 上的原始新闻稿</p>
</div>

抵押贷款运作方式的详细信息