在备考FRM考试的时候，是不是觉得需要掌握的内容有很多，备考起来很费劲。其实，只要找到适合自己的教材和课程，学习起来也是很简单的。住房抵押贷款在FRM考试中的详细内容有哪些？

Lien Status：

A first lien would give the lender the first right to receive proceeds on liquidation

Credit Classification：

Prime (A-grade) loans；

Subprime (B-grade) loans；

Alternative-A loans: are the loans in between prime and subprime.

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Fixed-rate mortgages；

Adjustable-rate mortgages (ARMS): default risk is high

Prepayments：

Prepayments reduce the mortgage balance and amortization period. They can occur because of the following reasons:

ž Home is sold

ž Refinancing due to lower rates

ž Partial prepayments

Credit Guarantees：

With agency MBSs, the investor bears no credit risk because the GSEs have been paid a fee to guarantee the underlying mortgages；

With a non-agency MBS, there is some credit risk but that is mitigated through the process of subordination.【资料下载】[融跃财经]FRM一级ya题-pdf版

Fixed-Rated, Level-Payment Mortgages：

The amount of the principal payment increases as time passes.

The amount of interest decreases as time passes. Interest is calculated on a declining principal balance

The ability of the borrower to repay results in prepayment risk.

附译文：留置权状态：

第 一留置权将赋予贷款人在清算时获得收益的第 一权利

信用等级：

优质（A级）贷款

次级（B级）贷款

另类贷款：介于优质贷款和次级贷款之间的贷款。

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利率类型：

固定利率抵押贷款

可调利率抵押贷款（ARMS）：违约风险高

预付款：

提前还款减少了抵押贷款余额和摊销期。可能是因为以下原因：

房屋出售

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部分预付款

信用担保：

对于代理MBS，投资者不承担任何信用风险，因为GSE已经支付了一笔费用来担保基础抵押贷款

对于非代理MBS，存在一定的信用风险，但通过从属过程可以缓解。

固定利率、水平付款抵押贷款：

本金的数额随着时间的推移而增加。

利息随着时间的推移而减少。利息按本金余额递减计算

借款人的还款能力导致提前还款风险。

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