<p>紐約市，紐約州 / ACCESS Newswire /2025 年 9 月 1 日/ 申請抵押貸款可能會讓人感到不知所措，但其實並不一定如此。無論你是在積極尋找房屋、為未來做規劃，還是不確定自己的狀況，瞭解抵押貸款流程的基本知識都能幫助你為未來的房主身份做出最佳決策。</p>
<p><strong>什麼是抵押貸款？</strong></p>
<p>簡單來説，抵押貸款是借款人向貸款人借款以購買房地產——即土地及其上永久附着的任何物體，包括住宅物業如房屋和公寓。</p>
<p>當你申請抵押貸款時，你承諾在一段時間內連同利息償還貸款人。大多數抵押貸款的還款是按月進行的，主要包括三個基本組成部分：</p>
<ul>
<li>本金：你從貸款人那裏借的金額</li>
<li>利息：借款的成本，通常以本金的百分比表示</li>
<li>房產税：你年度房產税的一部分，由貸款人估算並收取</li>
</ul>
<p>你的抵押貸款還款可能還包括兩個保險費：</p>
<ul>
<li>房屋保險：大多數貸款人要求投保以保護財產。有些貸款人會代你支付保費，並將費用包含在你的月賬單中。</li>
<li>抵押貸款保險：如果你支付的首付少於購房價格的 20%，貸款人可能會要求你購買這項額外的保險，以保護自己在你停止還款的情況下。</li>
</ul>
<p><strong>常見的抵押貸款類型解釋</strong></p>
<p>抵押貸款通常根據利率的運作方式進行分類：</p>
<ul>
<li>固定利率抵押貸款，利率在貸款期限內保持不變。</li>
<li>可調利率抵押貸款（ARM），利率在一個初始期限內固定，通常為三到十年，然後根據市場情況進行調整。</li>
</ul>
<p>固定利率抵押貸款提供可預測的還款，但利率通常高於可調利率抵押貸款的起始利率。可調利率抵押貸款通常起始利率較低，但之後可能會增加。</p>
<p>另一種對抵押貸款進行分類的方法是看它們是否屬於政府項目。政府支持的抵押貸款由以下機構提供：</p>
<ul>
<li>聯邦住房管理局（FHA）。獲得 FHA 貸款的資格通常比其他抵押貸款更容易，適合信用評分較低的人羣。</li>
<li>美國退伍軍人事務部（VA）。VA 向符合條件的退伍軍人、現役軍人及某些倖存配偶提供抵押貸款。</li>
<li>美國農業部（USDA）。你想購買的房屋必須位於符合條件的農村地區才能獲得 USDA 貸款。</li>
</ul>
<p>不屬於政府項目的貸款稱為常規抵押貸款。大多數美國抵押貸款都屬於這一類別。</p>
<p><strong>抵押貸款流程的 5 個步驟</strong></p>
<p>你是否曾嘗試組裝傢俱，卻發現説明書是用另一種語言寫的？申請抵押貸款可能會讓人有類似的感覺——只是涉及更多的文書工作、更嚴格的截止日期，以及借款大額資金的額外壓力。</p>
<p>一些知識可以幫助你更好地管理抵押貸款流程。以下是申請抵押貸款的五個主要步驟：</p>
<p><strong>1. 獲得預資格或預批准。</strong></p>
<p>預資格讓你大致瞭解可以借多少。預批准涉及對你財務狀況的更深入審查，並提供更準確的估算。獲得任一項都能向賣家表明你是一個認真的買家。</p>
<p><strong>2. 找到房屋並提出報價。</strong></p>
<p>有了估算後，你可以與房地產經紀人合作，參觀房屋，縮小選擇範圍，並在找到合適的房子時向賣家提交報價。</p>
<p><strong>3. 申請抵押貸款。</strong></p>
<p>在賣家接受你的報價後，提交正式的貸款申請。準備提供：</p>
<ul>
<li>工資單。</li>
<li>銀行對賬單。</li>
<li>税務申報表。</li>
<li>信用卡和貸款文件。</li>
</ul>
<p>你不必向預批准你的貸款人申請抵押貸款。預批准是非約束性的，因此你可以自由選擇貸款人——只需確保更換不會影響你的成交。</p>
<p>4. 進行財務審查和承保。</p>
<p>貸款人和承保人將提取你的信用報告，驗證你的文件，評估你的財務狀況，並評估房屋的價值，然後才會給予最終批准。</p>
<p><strong>5. 完成貸款並獲取鑰匙。</strong></p>
<p>在成交日，你將簽署最終文件，支付成交費用，並正式成為房主。</p>
<p><strong>讓抵押貸款變得可管理</strong></p>
<p>瞭解抵押貸款的運作方式是自信和知情的房主身份的重要一步。雖然這個過程需要規劃和文書工作，但瞭解預期可以幫助你更清晰地向前推進。</p>
<p><strong>來源</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>聯繫方式</strong>：</p>
<p>Sonakshi Murze</p>
<p>經理</p>
<p>sonakshi.murze@iquanti.com</p>
<p><strong>來源：</strong> iQuanti</p>
<p>查看 ACCESS Newswire 上的原始新聞稿</p>

曼哈頓大橋投資股份

AOMR

<p>本文提供了關於抵押貸款的全面概述，解釋了其基本組成部分、類型以及抵押貸款申請流程。抵押貸款被定義為用於購買房地產的貸款，通常包括本金、利息和物業税的支付。文章討論了常見的抵押貸款類型，如固定利率抵押貸款和可調利率抵押貸款，以及政府支持的選項，如 FHA、VA 和 USDA 貸款。文章概述了獲得抵押貸款的五個關鍵步驟：預審、尋找房屋、申請抵押貸款、財務審查和貸款結算，強調了理解這一過程對於明智購房的重要性</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>紐約市，紐約州 / ACCESS Newswire /2025 年 9 月 1 日/ 申請抵押貸款可能會讓人感到不知所措，但其實並不一定如此。無論你是在積極尋找房屋、為未來做規劃，還是不確定自己的狀況，瞭解抵押貸款流程的基本知識都能幫助你為未來的房主身份做出最佳決策。</p>
</div><p><strong>What is a mortgage?</strong></p>
<div class="lb-trans"><p><strong>什麼是抵押貸款？</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>簡單來説，抵押貸款是借款人向貸款人借款以購買房地產——即土地及其上永久附着的任何物體，包括住宅物業如房屋和公寓。</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>當你申請抵押貸款時，你承諾在一段時間內連同利息償還貸款人。大多數抵押貸款的還款是按月進行的，主要包括三個基本組成部分：</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：你從貸款人那裏借的金額</li>
<li>利息：借款的成本，通常以本金的百分比表示</li>
<li>房產税：你年度房產税的一部分，由貸款人估算並收取</li>
</ul>
</div><p>Your mortgage payment might also include two insurance premiums:</p>
<div class="lb-trans"><p>你的抵押貸款還款可能還包括兩個保險費：</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>房屋保險：大多數貸款人要求投保以保護財產。有些貸款人會代你支付保費，並將費用包含在你的月賬單中。</li>
<li>抵押貸款保險：如果你支付的首付少於購房價格的 20%，貸款人可能會要求你購買這項額外的保險，以保護自己在你停止還款的情況下。</li>
</ul>
</div><p><strong>Common mortgage types explained</strong></p>
<div class="lb-trans"><p><strong>常見的抵押貸款類型解釋</strong></p>
</div><p>Mortgages are often grouped by how the interest rate works:</p>
<div class="lb-trans"><p>抵押貸款通常根據利率的運作方式進行分類：</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>固定利率抵押貸款，利率在貸款期限內保持不變。</li>
<li>可調利率抵押貸款（ARM），利率在一個初始期限內固定，通常為三到十年，然後根據市場情況進行調整。</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>固定利率抵押貸款提供可預測的還款，但利率通常高於可調利率抵押貸款的起始利率。可調利率抵押貸款通常起始利率較低，但之後可能會增加。</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>另一種對抵押貸款進行分類的方法是看它們是否屬於政府項目。政府支持的抵押貸款由以下機構提供：</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>聯邦住房管理局（FHA）。獲得 FHA 貸款的資格通常比其他抵押貸款更容易，適合信用評分較低的人羣。</li>
<li>美國退伍軍人事務部（VA）。VA 向符合條件的退伍軍人、現役軍人及某些倖存配偶提供抵押貸款。</li>
<li>美國農業部（USDA）。你想購買的房屋必須位於符合條件的農村地區才能獲得 USDA 貸款。</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>不屬於政府項目的貸款稱為常規抵押貸款。大多數美國抵押貸款都屬於這一類別。</p>
</div><p><strong>5 steps of the mortgage process</strong></p>
<div class="lb-trans"><p><strong>抵押貸款流程的 5 個步驟</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>你是否曾嘗試組裝傢俱，卻發現説明書是用另一種語言寫的？申請抵押貸款可能會讓人有類似的感覺——只是涉及更多的文書工作、更嚴格的截止日期，以及借款大額資金的額外壓力。</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>一些知識可以幫助你更好地管理抵押貸款流程。以下是申請抵押貸款的五個主要步驟：</p>
</div><p><strong>1. Get prequalified or preapproved.</strong></p>
<div class="lb-trans"><p><strong>1. 獲得預資格或預批准。</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>預資格讓你大致瞭解可以借多少。預批准涉及對你財務狀況的更深入審查，並提供更準確的估算。獲得任一項都能向賣家表明你是一個認真的買家。</p>
</div><p><strong>2. Find a home and make an offer.</strong></p>
<div class="lb-trans"><p><strong>2. 找到房屋並提出報價。</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>有了估算後，你可以與房地產經紀人合作，參觀房屋，縮小選擇範圍，並在找到合適的房子時向賣家提交報價。</p>
</div><p><strong>3. Apply for your mortgage.</strong></p>
<div class="lb-trans"><p><strong>3. 申請抵押貸款。</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>在賣家接受你的報價後，提交正式的貸款申請。準備提供：</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>工資單。</li>
<li>銀行對賬單。</li>
<li>税務申報表。</li>
<li>信用卡和貸款文件。</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>你不必向預批准你的貸款人申請抵押貸款。預批准是非約束性的，因此你可以自由選擇貸款人——只需確保更換不會影響你的成交。</p>
</div><p>4. Go through the financial review and underwriting.</p>
<div class="lb-trans"><p>4. 進行財務審查和承保。</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>貸款人和承保人將提取你的信用報告，驗證你的文件，評估你的財務狀況，並評估房屋的價值，然後才會給予最終批准。</p>
</div><p><strong>5. Close on the loan and get the keys.</strong></p>
<div class="lb-trans"><p><strong>5. 完成貸款並獲取鑰匙。</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，你將簽署最終文件，支付成交費用，並正式成為房主。</p>
</div><p><strong>Mortgages made manageable</strong></p>
<div class="lb-trans"><p><strong>讓抵押貸款變得可管理</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>瞭解抵押貸款的運作方式是自信和知情的房主身份的重要一步。雖然這個過程需要規劃和文書工作，但瞭解預期可以幫助你更清晰地向前推進。</p>
</div><p><strong>Sources</strong></p>
<div class="lb-trans"><p><strong>來源</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>聯繫方式</strong>：</p>
</div><p>Sonakshi Murze</p>
<div class="lb-trans"><p>Sonakshi Murze</p>
</div><p>Manager</p>
<div class="lb-trans"><p>經理</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>來源：</strong> iQuanti</p>
</div><p>View the original press release on ACCESS Newswire</p>
<div class="lb-trans"><p>查看 ACCESS Newswire 上的原始新聞稿</p>
</div>

抵押貸款運作方式的詳細信息