CFA固定收益考试题讲解来了！备考路上更清晰！

发布时间：2022-02-13 09:28来源： 融跃教育CFA

CFA考试中每日一练还是需要的，每年不仅仅要学习掌握CFA知识，还需要考生了解CFA考试题考哪些知识？那接下来看看小编为你准备的CFA考试题哦！

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Rose obtains a 8 million EUR mortgage loan from Bank Nederlandse.A year later the principal on the loan is 5 million EUR and Rose defaults on the loan.Bank Nederlandse forecloses,sells the property for 2.5 million EUR,and is entitled to collect the shortfall,2.5 million EUR,from Rose.Rose most likely had a:

A.bullet loan.

B.recourse loan.

C.non-recourse loan.

【Answer：B】

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解析：Bank Nederlandse has a claim against Rose for 2.5 million EUR,the shortfall between the amount of the mortgage balance outstanding and the proceeds received from the sale of the property.This indicates that the mortgage loan is a recourse loan.The recourse/non-recourse feature indicates the rights of a lender in foreclosure.If Rose had a non-recourse loan,the bank would have only been entitled to the proceeds from the sale of the underlying property,or 2.5 million EUR.

因为Rose在卖了抵押品并归还抵押品资金后，还需要通过其他方式来还未还的款，就说明这个贷款是有追索权的，如果没有追索权的话，银行只能拿回抵押品销售的2.5million，而不能拿到剩余的钱。

是不是看出来这道题考察的是什么知识了，那你在备考中是不是需要模拟练习呢？2022年2月CFA一二级考试即将到来，模拟练习很重要的，有需要可以扫一扫咨询哦！