Getting 'no-cost' loans right under Reg Z

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Getting 'no-cost' loans right under Reg Z

机译：根据条例Z获得“免费”贷款

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Q. I am performing a truth in lending compliance review of our mortgage department. I have come across a "no-cost" loan. I am unsure about Regulation Z and the calculation of the APR for this type of loan. If the bank pays a typical finance charge item (i.e. loan origination fee) should it still be included in the finance charge and the APR calculation? A. No. Items paid for by other than the borrower or otherwise not imposed upon the borrower are typically exempt from the finance charge, especially if the borrower is not obligated to pay for it.

机译：问：我在对我们抵押部门的贷款合规性审查中表现出真实性。我碰到了一笔“免费”贷款。我不确定Z规则和此类贷款的实际年利率的计算。如果银行支付典型的财务费用项目（即贷款启动费），是否仍应将其包括在财务费用和APR计算中？ A.否。通常由借款人以外的其他人支付或未强加给借款人的项目免收财务费用，尤其是在借款人没有义务付款的情况下。

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《ABA Banking Journal》 |2013年第2期|47-47|共1页
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Getting 'no-cost' loans right under Reg Z

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